vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On, XX/XX/year> I called Santander Bank regarding not receiving my new bank card upon opening an account. More than a week had passed since opening the new account. They requested I give it a few more days, and I complied. On, XX/XX/year> I called back after still not receiving my card. The gentleman I spoke to stated they would expedite me a new card and that the fee would be waived since there was no receipt of my original card. I received my expedited card on Monday, XX/XX/year>. Upon looking at my bank statement I was charged a {$30.00} expedited card fee. I immediately called the bank and spoke to customer service. I spoke with a gentleman who apologized and said it was a mistake, as he could see there was an " order '' NOT to charge me an expedited fee, due to " non-receipt '' of the original card. He stated he fixed the error and that my account should be credited within XXXX minutes. However, it was not. I called back later that day to inform the bank that the charge was still on the account and had not been credited. The woman I spoke to apologized and stated it takes longer than XXXX minutes and she put in a new request. She stated to give it XXXX hours. I waited until the next day and the account still wasn't credited. I proceeded to call the bank back and inform them of the situation Tuesday, XX/XX/year>. The gentleman I spoke to asked to place me on hold so he could put in a new order to have my account credited. After a long wait, he returned and ask that I give the bank two business days to resolve the issue and credit the account. It has now been 3 days. My account is still not properly credited and the information being given to me by bank customer service has been false. None of the proposed remedies or information received has been accurate. I continue to be told I will be credited and have not. I never should have been charged in the first place.

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 2025-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Chime account was closed approximately XXXX XXXX XXXX ago, and I was told that a paper check with my remaining balance of {$500.00} would be mailed to me within XXXX XXXX XXXX. That time has now passed, and I have still not received the check. 

I have contacted Chime multiple times, and the information I receive keeps changing. First, I was told the check would arrive by a specific date, then they extended the timeline, and now Im being told I may not receive it until XX/XX/XXXX, which is nearly XXXX XXXX after the account closure. 

There has been no tracking information provided, and no reliable confirmation that the check was ever mailed. This is unacceptable. I need the funds urgently to XXXX XXXX XXXX XXXX, and Chime is holding money that belongs to me without any reasonable explanation or accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : Unknown XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: NC

Complaint narrative:
I am writing to formally dispute an inaccurate collection account listed on my XXXX credit report by Williams & Fudge in the amount of {$15000.00}, allegedly originating from XXXX Michigan University. 

This debt is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. I was not properly notified that I was ineligible for XXXX XXXX XXXX  due to my SAP ( Satisfactory Academic Progress ) status prior to the XXXX 2020 semester. The university failed to inform me in time for me to drop my courses and avoid financial liability. 

Additionally, the XXXX 2020 semester was heavily impacted by the XXXX pandemic, which caused an abrupt transition to online education for which I was not prepared and did not consent. 
My decision to enroll was based on an expectation of in-person instruction, which was not fulfilled. 
As such, this collection account is based on unfair and unjust circumstances. I am formally disputing its accuracy and requesting that this account be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-05-16 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: TX

Complaint narrative:
My usual payment patterns are not reflected in this inaccurate record of late payments. I request that it be removed in order to ensure that my account is showing accurate information, since I have always made my payments on time.

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 2025-05-16 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 am a victim of identity theft and have discovered unauthorized accounts and/or inquiries on my credit report that I did not open, authorize, or have any involvement with. I have no knowledge of these accounts or transactions, and they were opened without my consent. These fraudulent items are negatively impacting my credit profile. I am formally requesting that these accounts and inquiries be permanently removed from my credit report as they are the result of identity theft. I have taken the necessary steps by filing an identity theft report and notifying the appropriate credit bureaus. Immediate action is requested to resolve this matter and restore the accuracy of my credit file.

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 2025-05-16 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:
Accounts are being reported under my name without my knowledge or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading. This misrepresentation of my financial history is unacceptable and has caused significant concern. I demand immediate clarification on the origin of these accounts and the entity responsible for reporting them. Prompt action is required to address and resolve this issue.

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 2025-05-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$510.00} XXXXXXXX # XXXX XX/XX/year> -- {$410.00}

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
that I am disputing the alleged debt referenced in your communications to me. I am currently receiving XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and therefore, any attempt to collect on or report this debt constitutes a direct violation of XXXX XXXX. XXXX, which prohibits the transfer, assignment, or garnishment of Social Security benefits. 
Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Sections XXXX through XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are legally obligated to cease all collection activities, including reporting of this debt to any credit reporting agencies, until a proper method of verification has been provided. 
I demand the immediate deletion of this account from all credit reporting agencies within 15 days of receipt of this letternot a correction, but complete removal. Failure to do so will be construed as a willful violation of the federal laws and XXXX subject your organization to civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are causing ongoing and significant harm to my financial well-being and daily life. I am under considerable stress, and resolving these issues would provide much-needed relief. I respectfully urge you to correct or remove these inaccuracies without delay.

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 2025-05-16 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: LA

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-16 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: TX

Complaint narrative:
There are accounts that was opened without my knowledge or authorization. Ive attached my ID, proof of address, and an identity theft affidavit to back up my claim.

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 2025-05-16 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX BALANCED {$260000.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXXXXXX XXXX  XXXX BALANCED {$9800.00} XXXX XXXXXXXX BALANCED {$6500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$820.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Failure to Protect Account Security and Prevent Identity Theft Failure to implement adequate security measures to prevent unauthorized access to my mortgage account despite multiple reports of identity theft and account security breaches ; Failure to respond appropriately to Federal Trade Commission ( " FTC '' ) Identity Theft Reports filed on XX/XX/year> ( Report # XXXX ) and XX/XX/year> ( Report # XXXX ) ; - Allowing continued unauthorized access to my account after being notified of identity theft and security breaches ; - Failure to restore account security after unauthorized changes to login credentials, mailing address, password, email, and bank account information. 

Failure to Comply with Court Order - Failure to remove the co-borrower from the account as required by the court order dated XX/XX/year> ( Case No XXXX ) ; - Continuing to provide account access to individuals no longer authorized to access the account pursuant to said court order. 

Failure to Provide Required Information - Failure to provide a complete and accurate mortgage record of payments ( " MRP '' ) and account interaction documentation despite multiple requests ; Failure to provide documentation regarding unauthorized changes to the account profile and security settings ; - Failure to provide information regarding steps taken to investigate and remedy reported identity theft and account security breaches.

Failure to Respond to Inquiries - Failure to adequately respond to multiple communications directed to SPS 's Ombudsman Department on the following dates : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ; Failure to assign a single point of contact to address ongoing account security issues as required by California Civil Code 2923.7.

Failure to Properly Process and Investigate Identity Theft Claims - Failure to properly investigate and respond to identity theft claims as required under the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq. ; Failure to implement appropriate measures to prevent further unauthorized access and changes to account information after being notified of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation