vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company : Experian Product : Credit reporting Issue : Improper use of my report / Problem with a credit reporting companys investigation into an existing problem Consumer Complaint Narrative : On or around XX/XX/year>, Experian unlawfully debited {$29.00} from my XXXX  debit-linked account after I had already canceled their services. My debit card was locked at the time of the transaction. This debit was not authorized and no confirmation or service access was provided in return. The charge was processed after several failed attempts, despite my cancellation and revocation of authorization. 

I have made multiple attempts to resolve this with Experian over the last month, yet the {$29.00} has not been refunded, and I have received no investigation results, no billing breakdown, and no formal acknowledgement of the error. 

To make matters worse, I am now experiencing what appears to be SSN-based suppression from Experians support system. I am unable to access a live agent through any methodphone, web chat, or portal. Each attempt is blocked, redirected, or terminated. In contrast, when my wife called the same number and entered her personal information, she was connected to a live agent within minutes. 

This appears to be a form of automated retaliation or redlining against me as a consumer who has submitted numerous disputes and regulatory complaints. This denial of service access violates my rights under the Fair Credit Reporting Act ( FCRA ), including : My right to access my file ( 15 U.S.C. 1681g ) My right to dispute and reinvestigate errors ( 15 U.S.C. 1681i ) Additionally, the unauthorized debit is governed under the Electronic Fund Transfer Act ( EFTA ), and Experian failed to comply with : 15 U.S.C. 1693e ( a ) Prohibition against unauthorized electronic fund transfers 12 CFR 1005.10 and 1005.11 Proper authorization and dispute resolution procedures I am now in a financial position where this {$29.00} loss has directly impacted my ability to secure credit or cover essential bills. Despite having a favorable credit score, I have been locked out of services, and Experians failure to actor even provide supporthas materially harmed me.

Requested resolution : Immediate refund of the {$29.00} unauthorized debit Written investigation findings and refund breakdown Restoration of full account and agent access Federal enforcement action for violations of the FCRA and EFTA This complaint is submitted in good faith and under lawful standing. I request immediate regulatory review and resolution.

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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
[ Your Name ( Omitted ) ] [ Your Address ( Omitted ) ] [ City, State ZIP Code ] [ Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Cease and Desist Complaint Against Portfolio Recovery Associates , LLC for Violations of 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s2 ( b ) To Whom It May Concern : I am filing a formal complaint and request for enforcement action against Portfolio Recovery Associates , LLC, located at XXXX XXXX XXXXXXXX, XXXX, VA XXXX, concerning their unlawful and deceptive practices in connection with account number XXXX. 

Portfolio Recovery Associates is willfully reporting false and disputed information to the credit reporting agencies, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ), which prohibits debt collectors from communicating credit information knownor which should be knownto be false, including failure to communicate that a debt is disputed.

Additionally, they have failed to conduct a proper investigation of the disputed account as required under 15 U.S.C. 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) after notice of dispute was given to a consumer reporting agency. This constitutes a further violation of federal law and consumer rights.

I hereby demand the following : That Portfolio Recovery Associates , LLC immediately cease and desist all communication with consumer reporting agencies regarding the above-referenced account.

That all inaccurate and disputed information be permanently removed from any and all credit reports.

That the CFPB investigate these violations and take appropriate enforcement action under its authority.

This communication serves as a formal request for your office to review and act on this matter to protect my rights under federal law. No further unauthorized collection or reporting activity from Portfolio Recovery Associates should continue regarding this account.

Sincerely, [ Your Name Omitted from Letter ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Airtm Inc.

Complaint narrative:
I made a staking in stellar coin investment in 2023 in Airtm XXXX. And I made unreleased profit from the investment. I didn't get back to it for some reason. And later I get back to it and I follows coin tracking to investigate my funds and I see my funds are in safety mode. 
Now over three months I have been requesting to received some amount from my investment but still facing challenges from the Airtm XXXX. 
Please help me to received my funds. 
I have provided all the legal documents which they said I should provide. 
Great to hear from you. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-06-13 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

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 2025-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ALL MY SAVINGS ACCOUNTS WERE RESTRICTED, I CALLED AND AUTHENTICATED MYSELF AND MY ACCOUNTS WITH XXXX ON XX/XX/year>, AFTER THAT, I WAS TOKD THAT MY ACCOUNT WAS UNRESTRICTED. I AM OUT OF TOWN AT A FUNERAL AND NO MONEY. THIS IS MY XXXX XXXX XXXX XXXX  THAT AMERICAN EXPRESS SAVINGS IS MESSING WITH. THEY CAUSED A VERY SERIOUS HARDSHIP BY LYING AND RESTRICTING MY ACCOUNT IN THE FIRST PLACE. I WANT THAT REPRESENTATIVE XXXX FIRED AND A SANCTION ON AMERICAN EXPRESS XXXX BANK FOR WHAT THEY PUT ME AND MY WIFE THROUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-06-13 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I wish to formally contest any unsubstantiated or inaccurately documented information in my credit report, pursuant to the FCRA and the recognized XXXX XXXX data field reporting standards. The allegations of delinquency and derogatoriness require factual verification as mandated by federal and state law, preventing any reporting that may contravene legal requirements. I kindly urge you to ensure the precision and legality of all claims in accordance with the XXXX XXXX reporting standard. I also request the provision of physical, verifiable evidence supporting the account 's existence and its legitimate use. If such evidence can not be provided, I request its removal from the report, along with authorization to receive physical documentation of your actions and my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX # XXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX - DATE OPENED : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Stenger & Stenger claim I owe them {$2900.00} for a debt that was charged off on XXXX. I also made payments to this company that was not applied towards the account up until XX/XX/XXXX which I had to retire from the post office because I became XXXX. I notified them of the situation. I have been living off my XXXX retirement. On XX/XX/XXXX they decided to take the full amount out of my account before my court date on XX/XX/XXXX so, they took money out of my XXXX account, didn't give me a chance to defend myself and the statute of limitations has expired. I talked to them on XX/XX/XXXX and they have the nerve to tell me I still owe them {$2900.00}. I told them they took it out of my account last week they claim they don't have the money. I said who was the money it states in my account Stenger & Stenger!?!?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
In XXXX, my vehiclea XXXX XXXX XXXX repossessed by XXXX XXXX I have made multiple written and verbal requests to find out whether the vehicle was sold, what the sale amount was, and whether any deficiency or surplus remains on my loan. 

Despite these efforts, XXXX XXXX has not provided me with any confirmation or documentation regarding the sale. I sent a formal letter requesting this information, but they have refused to respond. I believe I am entitled to this information under state repossession laws and the Uniform Commercial Code.

This lack of communication is preventing me from resolving the balance and understanding the status of my account. I am requesting the CFPB 's help to get XXXX XXXX to disclose the date of sale, sale amount, how proceeds were applied, and whether I owe any remaining balance. 

Company name : XXXX XXXX  Account number : XXXX Product type : Auto loan Vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Date Opened : 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 2025-06-13 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation