vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-12 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute several inaccuracies on my credit report. Below is a list of accounts that I believe have been reported inaccurately. Please investigate and rectify the issues. The details are separated by each credit bureau for clarity. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Issue : This account does not accurately reflect my payment history. Please review and correct it. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account is inaccurately reported. Please update the information. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : This account appears inaccurately as a charged off. Please investigate and update accordingly. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : There is an error in the reporting of this account. Kindly investigate and resolve it. 

Inquiries : XXXX  Date : XX/XX/XXXX Issue : Please verify this inquiry. 

Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX Issue : These late payments are inaccurate. I request a thorough review of this information.

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 2025-11-12 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: MA

Complaint narrative:
I am a consumer working to correct inaccuracies on my credit report. I respectfully request that the accounts listed below be reviewed for inaccuracies and corrected accordingly. These accounts are in dispute as they do not accurately reflect the true status of my credit history. The details of the disputed accounts are as follows : Charged Off Account ( s ) : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my credit report and found out that I have some unauthorized inquiries.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reporting ongoing, deliberate fraudulent reporting and data manipulation by XXXX XXXX, XXXX and the credit bureaus XXXX Equifax, and XXXX. 

I previously disputed two private XXXX loan accounts that were closed and charged off years ago. XXXX confirmed directlyby phone and written correspondencethat it has no record of these accounts. Despite this, the same accounts have re-appeared on my credit reports through XXXX XXXX with serious negative information attached. 

The bureaus are now listing both accounts as open and currently late with five missed payments, showing duplicate profit and loss write-offs, and even mathematically impossible balances and percentages ( for example, -279 % paid, {$5900.00} on one report vs {$22000.00} on another ). These contradictions prove the data is being fabricated, re-aged, and re-uploaded after prior CFPB investigations closed the disputes.

This is a violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) and FCRA 623 ( a ) ( 8 ) ( failure to investigate and correct ). It also constitutes willful and negligent false reporting designed to depress my credit score and inflate my debt-to-income ratio. 

I have attached dated screenshots from XX/XX/year> showing the inconsistent and fraudulent reporting across XXXXXXXX XXXX/Equifax , copies of my previous CFPB case closures ( XXXX | XXXX | XXXX | XXXX ), and XXXX own letter instructing me to fill out an identity-theft packet even though this is not identity theftit is their false reporting. 

This conduct must stop. I demand : Immediate removal of both XXXX tradelines from all credit bureaus. 
Written proof of ownership and furnishing authority for each account if they remain. 
Confirmation that XXXX and each bureau have updated their databases to prevent re-reporting. 
Monetary penalties and sanctions for willful violation of federal law. 

If this false reporting re-occurs, I will escalate to state and federal regulators, including the FTC and my state Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
On XXXX I opened a savings account with OpenBank. On XXXX I deposited {$3000.00}, On XXXX I deposited {$25000.00}, On XXXX I deposited {$50000.00}. After the last deposit at some point my account was blocked. I have called them numerous times with no explanation. One call I was told it could take up to 30 days. The last call they said there should be an update on XXXX. No explanation! This is very concerning, what if I urgently needed my money.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must reflect only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be thoroughly verified, and if they can not be confirmed, that they be corrected or removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express just give me a call and they asked me if I wanted to accept a credit card that I had applied for. now I applied for two credit cards. One of them had an annual fee and one of them had no annual fee. I asked them is this the one with no annual fee and the worker told me yes this one has no annual fee after he approved my application and put an inquiry on my credit. He told me that theyre actually was a {$550.00} annual fee on this card. he then transferred me to his co worker XXXX ID XXXX. I explained the situation to him and he informed me he can not do anything for me at all and also tried to tell me i was wrong because i applied for both cards, his coworker XXXX have got mixed up and simply just seemed like he wanted this conversation to be over with either a closed card that i just opened because they informed me the wrong information or to keep it open and accept the annual fee. just terrible customer service overall

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I opened my Chase Sapphire Reserve credit card account in XX/XX/year> while I was not on XXXX XXXX. The {$790.00} annual fee was billed on XX/XX/year>. I entered XXXX XXXX under XXXX XXXX  on XX/XX/year>. 

I requested Servicemembers Civil Relief Act ( SCRA ) benefits from Chase, including the annual fee waiver and interest rate reduction required under 50 U.S.C. 3937. Chase denied the request, stating that my account was opened before my active-duty start date. This is incorrect the SCRA specifically covers obligations incurred before entering military service.

I am requesting that Chase comply with federal law by applying SCRA benefits retroactive to my XXXX  start date ( XXXX XX/XX/year> ), refunding the {$790.00} annual fee charged on XX/XX/year>, and adjusting my account accordingly. 

I have already provided Chase with a copy of my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW.

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON.

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS. 

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and credit score, making it impossible for me to achieve financial freedom and stability. These inaccuracies are deeply concerning and have caused unnecessary stress and hardship.

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 2025-11-12 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: IA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-12 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: FL

Complaint narrative:
Please advise for the past year I have seen multiple inquiries on my report that I am not aware of please do an investigation and follow up to see what I can do to fix this situation, I was teading up on this before I report it because I had no clue what to do. If you can reach back out soon ill be able to provide any necessary information needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Please advise for the past year I have seen multiple inquiries on my report that I am not aware of please do an investigation and follow up to see what I can do to fix this situation, I was teading up on this before I report it because I had no clue what to do. If you can reach back out soon ill be able to provide any necessary information needed

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 2025-11-12 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:
I am disputing the following accounts with Experian due to inaccuracies in reporting. The details of the accounts in dispute are as follows : Charged Off : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} Late Payment : XXXX, Account Number : 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 2025-11-12 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: VT

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report.

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 2025-11-12 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: VA

Complaint narrative:
I have reviewed my credit report from Equifax and found discrepancies in the information provided. Below are the accounts I am disputing : Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1700.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX  Late Payments : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XXXX was stolen from my account and transferred to XXXX  without my knowledge or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TN

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 2025-11-12 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-12 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:
In XX/XX/XXXX, I became a victim of identity theft after responding to a phishing email that appeared to come from my university ( XXXX XXXX  ) offering emergency financial assistance. Shortly after that, two fraudulent accounts appeared on my credit file one with XXXX XXXX ( opened XX/XX/XXXX, {$0.00} balance ) and another with XXXX XXXX XXXX ( opened XX/XX/XXXX, reported balance {$14000.00} ). 
I never applied for, opened, or authorized these accounts. At the time, I was an XXXX  student at XXXX XXXX XXXX  with no XXXX work authorization before XXXX, which means it would have been impossible for me to open such credit lines. 
I filed an FTC Identity Theft Report and submitted a written dispute with supporting documents to the bureay, including my ID, work authorization, and proof of address. Despite this, they failed to investigate, remove, or even respond to my dispute as required by the Fair Credit Reporting Act ( FCRA 1681i and 1681c-2 ).

I am requesting that these fraudulent accounts be permanently deleted or blocked from my credit file and that Experian provide a written explanation for their failure to act in compliance with the FCRA.

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