vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: VA

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

1681c2 ) that you, the TransUnion 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 : DEPT OF EDXX/XX/XXXXAccount Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} DEPT OF ED/XX/XX/XXXX- Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} DEPT OF EDXX/XX/XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} DEPT OF EDUCATIONXX/XX/XXXX- Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX, Balance : {$4200.00} DEPT OF EDUCATIONXX/XX/XXXX Account Number :XX/XX/XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00}XX/XX/XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XXXX of XXXX I took a payment for a canoe of {$200.00} thru Venmo. The account had {$10.00} in it and it now had {$210.00}. A few days later I transferred the money to my bank but after XXXX failed attempts my account was locked. I contacted Venmo and provided all the proof of who I was and the account was unlocked. I inquired how to transfer the money to my bank as it failed XXXX times. I was told my bank declined the transfer. I called my bank ( XXXX XXXX XXXX XXXX ) and was told that they were no declining the transfer. I then called Venmo back and explained. I was told that the money could not be transferred to my bank. I asked for another option. A check would be mailed. It would take XXXX to XXXX weeks. I proved my identity and mailing address and waited. XXXX weeks passed and I called again. Told by Venmo the check would be delivered the next day XXXX. 
The next day no check. I waited till XXXX to call back. I was then told the account was suspended for fraud. They could not tell me why but said it was in the contract. 
I asked again how do I get my money and was told I can't. I explained I just want my money and to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
CFPB Complaint Complaint Regarding Affirm XXXX XXXX XXXX XXXX I purchased a cornhole set from XXXX XXXX, financed through Affirm. The product arrived damaged at delivery. XX/XX/XXXX, XXXX the day of delivery, I immediately emailed XXXX XXXX with photos of the damage. They never responded to my email, nor to multiple follow-up phone calls ( only voicemail, no return calls ). I then contacted Affirm to open a dispute. I submitted the photos of the damaged product and proof that I had contacted the merchant with no response. Affirm denied the dispute, stating that based on information provided by the merchant, they were siding with the merchant. When I asked Affirm to provide that information, they refused and told me I would have to obtain it directly from the merchant. The merchant ( XXXX XXXX ) still refuses to return calls or emails. I have now opened three separate disputes with Affirm, each time submitting the same evidence ( photos of damage, proof of contact attempts, emails ). Each time, Affirm denies the dispute with the same explanation : that they lack sufficient evidence or that the merchant claimed otherwise. Affirm refuses to provide transparency, continues to hold me responsible for payment, and is now threatening to negatively report my account to the credit bureaus if I do not pay. This is unacceptable. I did not receive merchandise in usable condition. I have fulfilled my responsibility to document and report the issue. The merchant has ignored me entirely. Affirm has denied my dispute multiple times without explanation or transparency, which violates my rights under the Fair Credit Billing Act. Resolution I am seeking : - Cancellation of this Affirm loan ( Product ID : XXXX, disputed amount {$280.00}, remaining balance {$210.00} ). 
- Written confirmation of a XXXX balance. 
- Assurance that no negative credit reporting will occur related to this account. 
- Removal of any existing negative reporting if it has already been placed. 
Supporting Evidence I can provide : - Photos of the XXXX set damaged at delivery. 
- Copy of my original email to XXXX XXXX ( sent on delivery date ). 
- Record of unanswered calls and voicemails to XXXX XXXX. 
- Affirm denial letters ( most recent dated XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
CFPB Complaint FCRA Dispute & Identity-Theft Addendum Complainant : [ Your Full Legal Name ] Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : [ # # # - # # # - # # # # ] | [ XXXX ] SSN ( last XXXX ) : [ ____ ] | XXXX : [ XXXX ] Company Complained Against : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SUBJECT FCRA 607 ( b ) , 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B Identity-Theft Blocking, Maximum Possible Accuracy, Reinvestigation & Method-of-Verification Failures.

1 ) Identity Theft Overlay & Personal Information Integrity I filed a valid Identity Theft Report ( FTC Ref # XXXX ) and Police Case # [ insert ]. Certain identifiers were compromised, yet Santander continues to furnish data that conflicts across CRAs and is inconsistent with identity theft blocking obligations under 605B. I requested bureaus to suppress obsolete addresses/phones ; my current verified address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX 

XXXX ) Account Under Dispute Tradeline : Santander Consumer USA ( Auto Loan, alleged acct ending XXXX ) Reporting Inconsistencies : Balance/Past-Due Conflict : XXXX : Balance {$0.00}, Past Due {$0.00}, Status Collection/Charge-off. 

XXXX : Balance {$15000.00}, Past Due {$15000.00}, Status Collection/Charge-off.

A charged-off account can not simultaneously report {$0.00} vs {$15000.00} balance. 

Contradictory Comments : Charged off as bad debt Paid profit and loss ( XXXX ). 

Unpaid balance reported as a loss by credit grantor ( XXXX  ). 
Mutually inconsistent ( paid vs unpaid ). 

Dates Conflict : XXXX Date Last Active XX/XX/XXXX. 

XXXX Date Last Active XX/XX/XXXX ; Date of Last Payment XX/XX/XXXX. 
A four-year discrepancy shows unreliable timestamping. 

Payment History : XXXX shows continuous CO ( charge-off ) for XXXX months. 

XXXX provides no matching payment history string. 

These contradictions violate 607 ( b ) ( maximum possible accuracy ) and 611 ( failure to conduct a reasonable reinvestigation ). 

XXXX ) Failure to Provide Proper Verification I requested copies of the following under 609 ( a ) ( 1 ) & 611 ( a ) ( 5 ) ( B ) : Original signed application/contract with signature authentication, Complete payment ledger, Charge-off worksheet and coding basis, Internal notes/data maps for dates and balances, XXXX  responses and furnisher codes. 

Santander has not produced these, nor reconciled CRA discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
I requested the bureaus and for the companies to remove transaction history, I have also requested the bureaus to remove any personal information such as name addresses phone numbers emails that are not mailable or callable per law and have left them with the information that should stay on the report. 
I also have hard inquiries that do not belong or are attached to any account and or that I did not initiate. 
I have not received any action from anybody besides stating that they are unable to comply with my request. I have also included the laws that are directly involved with this which would be 15 USC 6802 the privacy active 1974 15 USC 1611 15 USC 1681 and 15 USC 6801

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I received acknowledgment thru CFPB that they were looking into the charges that they admitted were false but on XX/XX/XXXX Barclay took {$1400.00} from my bank account electronically without my approval or permission even though I pay by check every month & have for years.I then had to go to my bank & sign paperwork to cancel the transaction.Its been very stressful dealing with this problem & I simply wish to part ways with this company but they are still saying I need to send a copy of my social security card front & back along with drivers license front & back as well to end this.With all that has happened I do not trust this process & have been advised by legal authorities not to provide any of the above information to Barclay based their continued negligence of fraud support on my account & permitting the fraudulent information to remain on my account which has negatively impacted my credit score

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 2025-09-21 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: OH

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

1681c2 ) that you, the TransUnion 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 
Account Being Disputed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Current Status : Account charged off, {$3300.00} past due Reported Balance : {$3300.00} Basis for Dispute : 1. Verification Required Under 15 U.S.C. 1681i : I dispute the accuracy of this account information. Under the FCRA, you must verify : o The charge-off amount of {$3300.00} is accurate o The payment history showing delinquency progression is correct o The dates reported ( charge-off in XX/XX/XXXX, delinquency starting XX/XX/XXXX ) are accurate o All reporting complies with 15 U.S.C. 1681s-2 2. Lack of Proper Validation : Per 15 U.S.C. 1681i ( a ) ( 5 ), I request verification including : o Original signed credit agreement o Complete payment history showing how the balance was calculated o Documentation of all charges, fees, and interest applied o Proof that proper notice was provided before charge-off 3. Accuracy of Delinquency Dates : Under 15 U.S.C. 1681e ( b ), you must maintain reasonable procedures to ensure maximum accuracy. I request documentation proving : o The first delinquency date of XX/XX/XXXX is correct o The charge-off in XX/XX/XXXX was properly calculated o All credits and payments were properly applied 4. Potential Reporting Violations : The account shows " Account closed at credit grantor 's request '' which may indicate the account closure was not voluntary. I request verification that the closure circumstances are accurately reported.

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 2025-09-21 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: LA

Complaint narrative:
Equifax not following investigation protocol, I have received another letter stating how they will not remove unauthorized inquiries. They have not sent me proof of validation! I have not received the method of verification like I have ask. I refuse to accept e-Oscor as an investigation ( according to FCRA, e-Oscor is not accepted as an investigation.

I have attached another dispute letter ( for the 4th time ) with more details, please read.

Thank You! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-21 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXX- Account XXXX : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXX- Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXXXXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} OXXXX XXXXS - Account Number : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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