vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
An account from XXXX is being reported on my TransUnion credit file with a balance of {$510.00}, status Closed/ Charged off as bad debt, and last reported on XX/XX/year>2025. This account is not reported by XXXX  or XXXX, and no payment history or validation has been provided. 

I requested verification and documentation from the company, including proof of ownership and account records, but they did not provide the information. Reporting unverifiable and inconsistent information is a violation of the FCRA. I request that this tradeline be deleted from my TransUnion report if it can not be fully verified.

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 2025-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my Equifax credit file for the following account : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Authorized User ) Date Opened : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX ( 30 days late ) I dispute the accuracy of this late payment for the following reasons : 1. I am listed as an Authorized User on this account. As such, I should not be held liable for the payment history unless the account holder has a consistent pattern of delinquency, which is not the case here.

2. The payment history is otherwise clean, showing consistent OK or no reporting for every other month.

3. The account status is reported as Current with no past due balance and shows regular payments being made, including a recent payment of {$170.00} in XX/XX/XXXX. 
This suggests the reported late payment in XX/XX/XXXX is likely a reporting error or system glitch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have been having ongoing problems with my Santander XXXX XXXX  ending in XXXX. I was trying to post the payment for {$30.00} for XX/XX/year>2025. Then I got an email saying that my payment was going to be posted today XX/XX/XXXX. This is unacceptable and I called Santander online banking and talked to a supervisor, XXXX and told him about the two emails I got as well as seeing that the {$30.00} was going to come out of my checking account today. He said he can't see anything like that on his end. This is totally unacceptable. They're going to take money out of my account but nobody knows or sees it. This is Fraud as far as I'm concerned. Santander has no clue what's going on. I can't tell you how many complaints I had already registered about my checking account problems and/or the credit card and I have so many other credit cards and never have to really report anything like this. Once I get this problem resolved I want to cancel my credit card.

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 2025-09-06 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: CA

Complaint narrative:
CFPB Complaint : False 60-Day Delinquency Report by XXXX XXXX  XXXX XXXX XXXX XXXX  ) I am filing this complaint against XXXX XXXX  regarding the false and damaging reporting of a 60-day late payment on my XXXX XXXX XXXX XXXX  account XXXX 
FACTUAL TIMELINE : Payment due date : XX/XX/XXXX Full payment made : XX/XX/XXXX ( confirmed by XXXX own records see attached ) Balance as of XX/XX/XXXX : {$0.00} Reporting to credit bureaus : Not done until XX/XX/XXXX nearly 7 weeks after full payment was made 60-day delinquency reported : False and erroneous I was only 30 days late, not 60 SUMMARY OF MISCONDUCT : FALSE REPORTING : XXXX falsely reported me as 60 days delinquent, even though I paid the full balance two days before the XX/XX/XXXX due date. There was no payment due at all after that. 
SEVERE REPORTING DELAY : Despite my repeated calls and emails, XXXX refused to update the credit bureaus in a timely manner. It took almost 7 weeks during which multiple pulls showed the account as unpaid, triggering massive credit limit slashes across several of my cards. 
CREDIT DAMAGE : As a direct result of their false and delayed reporting : My credit score dropped over XXXX points My credit limits were slashed by 8090 % on multiple cards My access to credit was crippled This financial harm was entirely avoidable CONTEXT MATTERS : I have had a perfect payment history since XXXX, following a difficult divorce. Ive never missed a payment since then on the vast majority of my accounts. This one mistake which I promptly corrected was falsely amplified by XXXX negligence. 
THEY IGNORED ME FOR WEEKS : I called and emailed relentlessly throughout XXXX and XXXX asking XXXX  to update their reporting. They refused, stating it would take 30 days even though I provided proof of full payment before the due date. I asked for a confirmation letter and was repeatedly denied. I was given the runaround. The update didnt happen until XX/XX/XXXX, long after the damage was done. 
INCONSISTENT STATEMENTS : Their internal systems now list a XX/XX/XXXX due date, while the official mailed statements clearly show a XX/XX/XXXX due date. I am attaching the original statement as proof. This discrepancy adds further concern about their internal accuracy. 
DEMAND FOR CORRECTION : I demand that XXXX XXXX  and all associated credit bureaus : Immediately remove the 60-day delinquency from my credit report Correct the record to reflect that the account was only 30 days late at most Acknowledge their reporting delay and the financial damage it caused Issue a formal letter of correction for my records and future disputes Investigate how this delay and false data entry occurred

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I left my card at the us bank came back to find out it was shredded. The card was not distributed by us bank and was in my name.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Account name : XXXX  Account number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I state that the incorrect late payment notations on my accounts are in violation of 15 USC 1666. I have consistently made my payments on time, and any errors in this reporting are both unfair 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 explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer XXXX XXXX XXXX XXXX XXXX, IL. XXXX Subject : Immediately Remove All Late Payments To Whom It May Concern, In accordance with the Fair Credit Reporting Act this creditor XXXX  # XXXX, has violated my rights under 15u.s.c 1581 section 602 states that I have the right to privacy. 15 u.s.c 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 u.s.c 1681b ( 2 ) and pursuant to 15 u.s.c 1666b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I demand my late payments be updated to paid on time according to the U.S. laws stated above Thanking You In Advance XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the following hard inquiries on my Equifax credit report and believe they are fraudulent or unauthorized XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> & XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) Please remove these inquiries immediately as required by the Fair Credit Reporting Act ( FCRA ). 

I am writing to dispute several hard inquiries listed on my Experian credit report that I did not authorize and believe to be fraudulent or unauthorized. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries must be made with my explicit consent. 
The unauthorized inquiries are : XXXX XXXX XXXX XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) I request that these inquiries be removed from my Experian credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, we accepted what we were told was a 0 % interest financing promotion for a loan of {$7300.00}. In XX/XX/XXXX, we obtained an additional {$9700.00} under what we understood to be the same 0 % terms. 

Our initial monthly statements indicated that, by making the minimum monthly payment of {$250.00}, the balance would be paid off in approximately four years. At no time during the application or agreement process was it explained to us that the promotion involved retroactive interest charges or that the balance had to be paid in full within a fixed promotional period to avoid those charges. 

Because we relied on the information provided, we set up automatic payments for the minimum amount each month, in line with the four years to pay off information on the statement. 

On XX/XX/XXXX, we were unexpectedly assessed {$3000.00} in interest charges, and the interest rate on the account jumped from 0 % to 28.99 %. Additional charges followed : XX/XX/XXXX {$130.00} in interest. 

XX/XX/XXXX {$4100.00} in interest. 

In total, more than {$7000.00} in surprise interest was added to our account. 

We contacted Wells Fargo on XX/XX/XXXX, to dispute these charges. At that time, we were informed for the first time that this was not truly a 0 % interest rate but instead a deferred interest promotion that required full payoff within 18 months or else all accrued interest at 28.99 % would be retroactively applied. This was never made clear to us at the time of the loan, nor was it disclosed in any way that we understood. 

This practice feels misleading and harmful to consumers. We acted in good faith based on the representations provided, but we are now being penalized with thousands of dollars in unexpected interest. Wells Fargo has refused to provide any resolution despite our concerns. 

We request that the deferred interest be reversed or otherwise adjusted to reflect the original understanding of a 0 % financing promotion with payments spread over four years, as presented in our statements.

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 monetary relief
Consumer complaint received 2025-09-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief