vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit file contains several entries that are the direct result of criminal identity fraud, as I have never signed any documentation or given authorized consent for these accounts to be opened in my name. I have previously notified your organization about this serious situation and am now demanding the immediate deletion and suppression of these unauthorized accounts from my credit profile. The ongoing presence of these false entries has created substantial personal hardship and financial barriers, wrongfully misrepresenting my actual payment history and credit obligations. Unless this matter receives appropriate resolution, I will be forced to explore all available legal remedies to protect my consumer rights and seek proper redress. These illegitimate credit items have severely impacted my ability to secure essential financing for critical life goals, including home acquisition and providing adequate support for my family 's financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Formal Legal Dispute Letter [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX Florida XXXX ] [ XX/XX/XXXX ] [ TransUnion [ XXXX XXXX XXXX ] [ XXXX PA XXXX ] Re : Formal Dispute of Credit Report Entry Pursuant to 15 U.S.C. 1681i Dear TransUnion ], NOTICE IS HEREBY GIVEN that I am disputing the following entry on my credit report, which is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

- Account Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX - Date of Entry : [ XX/XX/XXXX ] - Reason for Dispute : This entry is inaccurate because Payments and balance Pursuant to 15 U.S.C. 1681i, I demand that you conduct a reasonable investigation into the accuracy of this entry and correct the error. I also demand that you delete the entry from my credit report if it can not be verified.

Please respond to this dispute in writing, as required by 15 U.S.C. 1681i, and provide me with the results of your investigation. If the dispute is resolved in my favor, please provide me with a copy of the updated credit report. 

Sincerely, [ XXXX XXXX ] - 15 U.S.C. 1681i : Procedure in case of disputed accuracy - FCRA : Regulates credit reporting agencies and provides consumer protections

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
In XXXX, I entered into an auto loan agreement with Santander Consumer USA for my first vehicle purchase. I was a recent XXXX XXXX graduate, XXXX XXXX XXXX XXXX XXXX XXXX. I went to the dealership looking for a dependable car, but instead, I was pressured into signing loan documents I didnt fully understand. The loan came with a 27 % interest rate and a $ XXXX monthly payment, which was completely unreasonable for my income at the time. 

This situation meets several definitions of a predatory loan. Santander and the dealership took advantage of my lack of financial experience and approved a loan they knew I could not realistically afford. I wasnt given clear explanations, fair options, or time to make an informed decision. I was a young first-time buyer who trusted what I was being told and ended up in an unfair and exploitative agreement. 

I have made payments on this loan for nearly eight years, yet my balance has barely decreased. The excessive interest has made it almost impossible to make progress, keeping me in a constant cycle of debt despite my efforts to stay current. 

What makes this even more upsetting is that Santander was already investigated and required to provide loan forgiveness and relief to consumers who were victims of their predatory lending practices. Thousands of borrowers across the country received help and debt cancellation due to the same unfair tactics that were used on me. Yet, for reasons I dont understand, I was not included in that relief, even though my situation clearly fits the same pattern. 

I am asking for loan forgiveness or release based on the unfair and deceptive nature of this loan. I was not treated fairly, I was not protected as a consumer, and I should not continue to suffer under the weight of a loan that never should have been approved in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
SUPPLEMENTAL COMPLAINT PLEASE LINK, DO NOT RESTART FCRA TIMELINE Prior CFPB complaint : # XXXX ( still open ). This filing corrects/updates attachments and adds supporting documents. It is not a new dispute. 

On XX/XX/year>, Experian received my mailed dispute ( XXXX XXXX, delivered to XXXX, TX XXXX ). The Experian tradeline for XXXX XXXX  ( Acct # XXXX ) shows Paid in settlement {$2200.00} written off / Account paid in full for less than full balance ( status updated XX/XX/year>, balance/past due {$0.00} ). Yet the payment history still displays Charge-Off and XXXX XXXX marks through XXXX, including months after the settlement, and the item remains Potentially negative. The portal also shows Reinvestigation info ( XXXX ), but the reporting remains unchanged, and no Method of Verification ( MOV ) has been provided. 

This is internally contradictory and materially misleading, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation ). I also requested MOV under 611 ( a ) ( 6 ) ( B ) ( iii ) & ( a ) ( 7 ) and the DOFD to confirm no re-aging. 

Relief requested : ( 1 ) Correct or delete the tradeline ; ( 2 ) Remove all post-settlement CO/DPD and align Metro 2 fields ( Balance = {$0.00} ; Amount Past Due = {$0.00} ; closed/settled ; remove Potentially negative label ) ; ( XXXX ) Provide MOV within 15 days ( who at XXXX was contacted ; when/how ( ACDV/AUD ) ; what records were reviewed ; contact details/IDs ) ; ( 4 ) Provide DOFD ; ( 5 ) If Experian claims the dispute is frivolous, issue the required 611 ( a ) ( 3 ) notice with specific reasons ; ( 6 ) Ensure any reinsertion follows 611 ( a ) ( 5 ) ( B ) ( certification + 5-day notice ).

Timelines : Under 611 ( a ) ( 1 ), the 30-day clock runs from XX/XX/year>. If Experian relies on the additional information attached with this supplement, 611 ( a ) ( 1 ) ( B ) allows up to 45 days total. Please do not treat this as restarting the clock. 

Attachments ( Exhibits XXXX ) : Experian update notice ; XXXX XXXX screenshots ( Paid in settlement/ {$0.00} + payment-history CO/DPD + Reinvestigation info XXXX ) ; prior CFPB ack ; supplemental evidence ; XXXX XXXX proof of delivery ; redacted ID/SSN.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been going to the same bank to cash my payday check, I use two forms of ID each time. Its been a year and 4 months with no changes to name or personal information. Today when going to cash my payday check I was told by the teller, who has had to " verify '' my employment several times over the past year and 4 month, that due to a XXXX on my ID I can no longer cash the check. The manager refused to help or to tell me why the recent change. I have always felt very discriminated against and being a XXXX with a XXXX name is a minority here and clearly felt with in the Huntington bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: TN

Complaint narrative:
ON XX/XX/year> I STARTED CALLING WAY2GO UNEMPLOYMENT CARD ABOUT XXXX AND HUNG UP AFTER WAITING ON PHONE FOR AND HOUR, CALLED AGAIN AND AFTER ABOUT 30 MINUTES FINALLY ANSWERED ASKED MY NAME AND TOLD ME THERE WAS NOTHING ON MY CARD AND DIDNT ASK FOR CARD NUMBER SHE SAID CARD ENDING WITH XXXX. THAT WAS NOT MY CARD NUMBER I GAVE HER MY CARD NUMBER AND SHE SAID HOLD ON. CAME BACK AND SAID I WOULD HAVE TO PAY FOR A NEW CARD WHICH WAS {$5.00}, WHY SHOULD I HAVE TO PAY FOR A NEW CARD WHEN SOMEONE HAS TAKING ALL MY MONEY OFF THE CARD, I ALSO TOLD HER WHEN I GO ON MY CARD IT IS STATING THAT THERE IS ANOTHER CARD LINKED WITH MY CARD FROM MISSISSIPPI USING MY SS NUMBER AND MY ADDRESS. I TOLD HER I HAVE NEVER RECEIVED UNEMPLOYMENT FROM MISSISSIPPI, SHE SO OKAY, WAS REDIRECTED TO THE FRAUD DIVISION WHERE I WAS PLACED ON HOLD FOR 2 HRS I FINALLY HUNG UP AFTER WAITING SO LONG. SOMEONE HAS TAKING ALL MY MONEY OFF OF MY CARD AND I WOULD LIKE TO HAVE IT REPLACED.SOMEONE WAS ALSO ABLE TO CHANGE MY PIN NUMBER ON MY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Its been numerous times where Zelle failed me as in investigating and Making sure the claims and problems I had sending money was resolved. They make it so easy to be scammed and Took advantage of regardless of how secure the system supposed to be. They also informed me that tracking and recovering lost funds were impossible which I think is not fair to hardworking individuals as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX has shown a fluctuating pattern of improvement on credit for it to turn around and be negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leavings user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account reported by your organization. This collection entry has appeared without any prior notification or communication from your agency informing me of this alleged debt. Additionally, I have substantial concerns regarding whether this claimed obligation is legitimate and accurate. Under the provisions of the Fair Debt Collection Practices Act, I am entitled to receive proper verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish complete validation documentation and take necessary corrective measures to resolve this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am writing to report unauthorized transactions on a Chime account that were completed without the account holders knowledge or consent. The transactions occurred yesterday and were not authorized, and a prompt investigation is requested. I also request a full refund of the unauthorized amounts and confirmation that the account has been secured against further unauthorized activity. Under the Electronic Fund Transfer Act ( Regulation E ), the account holder is entitled to a timely investigation and reimbursement for valid claims of unauthorized electronic transactions. If this issue is not resolved promptly, it will be escalated to the Consumer Financial Protection Bureau ( CFPB ) and all available options for settlement will be pursued. Please confirm receipt of this complaint in writing as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation