vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-20 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1100.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am disputing the following accounts reported as " charged off '' and " inquiries '' on my TransUnion credit report. I believe these accounts contain inaccuracies and request their investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX Account XXXX : XXXX * XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} Inquiries : XXXXXXXX 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 2025-11-20 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 recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ADP Inc.
State: MI

Complaint narrative:
I received a text message at approximately XXXX on XXXX the XXXX from my online bank stating that a transaction for {$1800.00} was declined at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I live in XXXX XXXX. The text message asked if it was me making the transaction and I immediately said NO ( which I have proof of ), and went into my banking app and locked my card. Even though I said it was not me making the transaction, I called my bank and locked my card, they still allowed this transaction to go through. The transaction was split into XXXX transactions of {$920.00} equaling {$1800.00}. They declined to reimburse me for one of the transactions already, even though it wasn't investigated. I did everything on my part to ensure that my money was safe and Wisely failed me. They are telling me that because it got split into XXXX transactions, they cant do anything for me. It doesn't make sense and I get a different story each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX filing this complaint because Citi ( Account XXXX ) has XXXX balance and shared my personal and financial information without my consent, violating my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), New Jersey Consumer Fraud Act, and New Jersey Identity Theft Protection Act. On XXXX XXXX, I sent an opt-out request to the original creditor, Citi : XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX ) I never received an opt-out form or disclosure, which would have allowed me to control how my information was shared. As a New Jersey resident, I am entitled to privacy protections under both state and federal law. This unauthorized sharing exposed me to potential identity theft. I request that the CFPB investigate, stop both companies from further sharing my data, and delete any already shared. If they believe they had a right to disclose my information, I demand they provide a GLBA-compliant opt-out form with my signature and the specific law allowing such disclosure without my consent. This breach of my privacy rights has caused me significant concern, and I expect immediate action to prevent any further misuse of my personal information. Furthermore, I ask for a full explanation of the measures Citi will take to ensure this doesnt happen again in the future.

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 2025-11-20 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: MD

Complaint narrative:
I am writing to dispute the inaccurate addresses listed on my credit report. The addresses shown do not belong to me and are incorrect. I have never lived at these locations, and I am requesting that all inaccurate or unverified addresses be removed immediately. These errors may negatively affect the accuracy of my credit file and potentially indicate mixed or incorrect information. Please investigate this matter and update my credit report to reflect only my correct and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to dispute the inaccurate addresses listed on my credit report. The addresses shown do not belong to me and are incorrect. I have never lived at these locations, and I am requesting that all inaccurate or unverified addresses be removed immediately. These errors may negatively affect the accuracy of my credit file and potentially indicate mixed or incorrect information. Please investigate this matter and update my credit report to reflect only my correct and current address.

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 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
XXXX XXXX XXXX  used a company with my home warranty XXXX. They set me up with XXXX XXXX XXXX  with no equipment fees just a monthly service charge of {$32.00}. XXXX is better than what you have with XXXXXXXX XXXX XXXX, and XXXX because you have to purchase your equipment, but with XXXX you never pay for equipment. I received a credit alert for a line of credit a few days later. I disputed it on the same day. I have been fighting it ever since. XXXX sent me the documents used to open the credit but refuses to close the account with Fortiva. Fortiva wont accept the dispute. It is not my signature or my email address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-20 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: TN

Complaint narrative:
I dispute XXXX late-payment reporting on account # XXXX. My account used XXXX card-based autopay ; XXXX now claims I missed XXXX XXXX {$10.00} installments and became XXXX days past due with a {$40.00} past-due balance, then became current on XX/XX/XXXX and was paid in full and closed on XX/XX/XXXX. I request verification of accuracy and XXXX XXXX reporting. Specifically, please require the furnisher to provide : ( XXXX ) the complete payment ledger with date/time stamps ; ( XXXX ) autopay/processor logs and error codes showing any declines or XXXX system failures ; ( XXXX ) notices sent when the account allegedly became XX/XX/XXXX DPD ; ( XXXX ) the actual XXXX responses and fields they certified to the CRAs ; ( XXXX ) the Date of First Delinquency used for any XXXX reporting ; and ( XXXX ) all policies governing how XXXX handles autopay failures and grace periods XXXX If XXXX can not produce business-record proof for each alleged delinquent period, I request deletion or correction of the late marks. Even per the contract, default is triggered only after XXXX  days late and after three consecutive missed installments ; reporting must match exact facts and be consistent across CRAs. I am attaching statements and screenshots supporting my position. Please require reinvestigation under FCRA and furnish results to me and the CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing the accuracy and completeness of several charged-off accounts that are reported by Equifax. I believe there are discrepancies, including incorrect balances and reporting errors, which are negatively impacting my credit. Below are the accounts in dispute : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : None listed for XXXX Late Payments : XXXX, Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: CBC Companies, Inc.
State: FL

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 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Company : Santander Consumer USA Product : Auto Loan Account : XXXX Vehicle : XXXX XXXX XXXX I am filing this complaint because Santander Consumer USA misapplied my payments, created a false delinquency status, charged excessive fees, and reported me late to credit bureaus even though I was making continuous payments, including thousands of dollars in catch-up payments. 

Here is my verified payment history from XXXX : XX/XX/XXXX {$140.00} ( interest only ) XX/XX/XXXX {$850.00} ( only {$280.00} principal, {$570.00} interest ) XX/XX/XXXX {$850.00} ( only {$490.00} principal, {$350.00} interest ) XX/XX/XXXX {$850.00} ( only {$530.00} principal ) XX/XX/XXXX {$42.00} ( late fee ) XX/XX/XXXX {$42.00} ( late fee ) XX/XX/XXXX {$850.00} ( only {$130.00} principal, {$710.00} interest ) XX/XX/XXXX {$290.00} ( mostly interest ) XX/XX/XXXX {$790.00} ( appears again now as fees due even though I already paid it ) XX/XX/XXXX {$620.00} XX/XX/XXXX {$850.00} XX/XX/XXXX {$560.00} XXXX paid during this period : {$5700.00} Despite paying over {$5700.00}, Santander continually treated my account as delinquent due to how they applied interest and fees. My payments were being used to cover a growing balance of accrued interest rather than the scheduled installment, causing rolling delinquency. I was never 30 days past due, yet Santander reported me late to the credit agencies. 

Santanders website now shows I am current, yet they still list {$790.00} in fees which the same amount I already paid on XX/XX/XXXX. 

This servicing behavior is predatory and misleading. I am requesting CFPB assistance to : - Remove all late credit reporting that resulted from this servicing error - Waive the {$790.00} fee balance - Conduct a full audit of how my payments were applied - Provide written confirmation of my current status - Correct all inaccurate information furnished to credit bureaus I have provided screenshots of all payment history as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this CFPB complaint because Equifax is reporting accounts that I believe contain errors or can not be verified. I am requesting a full reinvestigation under the FCRA. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} Reporting appears inaccurate. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute this charge-off. 

XXXXXXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX request verification of all account details. 

XXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX appears incomplete or inaccurate. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} I dispute the accuracy of this reporting. 

XXXX XXXX Acct : XXXX I dispute the late payment reporting and request verification. 

I ask that Equifax validate each item directly with the original creditors and remove anything unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-20 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, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation