vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Someone opened a credit card with XXXX XXXX in XX/XX/year>. We found out about it in XXXX and had the card closed and filed a fraud and police report. 
Someone opened a new credit card in XX/XX/year>. I immediately call and reported as fraud and had the account closed. I also placed a credit freeze on my transunion 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 non-monetary relief
Consumer complaint received 2025-09-14 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: AZ

Complaint narrative:
I have filed multiple disputes with TransUnion and mailed a dispute letter and including previous consumer finance reports filed, proof of my drivers license, police report and proof from the court and they refuse to investigate. When I called a supervisor stated that they do not receive documents from the court. Per the court they do not report any information to the credit bureaus and inaccurate information should be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service:XXXX ( XXXX XXXX XXXX ) {$1500.00} Original bill - Reduction {$580.00} {$1000.00} Compromised Bill {$0.00} Patient Responsibility Settled by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Attached settlement redacted other information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year> I accidentally made a duplicate car payment of {$690.00} to Santander Consumer. I immediately contacted the company to request a refund of the duplicate payment.

Santander promised the refund would be processed within 5 business days. It has now been over 5 business with no refund received. 
On Monday XX/XX/XXXX, I called Santander and was told the refund was showing as processed on Santander 's end. Our bank confirmed they have not received any incoming transfer. 
Due to this extended delay, our account has incurred {$120.00} in overdraft fees. We are facing additional overdraft fees this XXXX  if the refund is not received. 
We have called multiple times and have been given conflicting information. Santander confirmed they have the correct bank routing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
I am filing a complaint against TransUnion LLC for reporting multiple inaccurate and inconsistent accounts on my credit report. The accounts in dispute include : XXXX XXXX XXXX XXXX  ( XXXX, opened XX/XX/XXXX late payment history inaccurate ), XXXX / XXXX ( XXXX, opened XX/XX/XXXX, balance {$420.00} collection reporting errors ), XXXXXXXX XXXX ( XXXX, opened XX/XX/XXXX charge-off status and payment history inaccurate ), XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX charge-off reporting inconsistent ), XXXX XXXX Services ( XXXX, XXXX XX/XX/XXXX XXXX late inaccurate ), XXXX XXXX XXXX ( XXXX, opened XX/XX/XXXX XXXX XXXX XXXX ), XXXX ( XXXX, opened XX/XX/XXXX, balance {$1500.00} charge-off and balance inconsistent ), XXXX ( XXXX late payment inaccurate ), Credit Union XXXX XXXX California XXXX XXXX, opened XX/XX/XXXX charge-off reporting inconsistent ) XXXX XXXX XXXX XXXX XXXX Frontier Communications ( XXXX, opened XX/XX/XXXX, balance {$100.00} collection XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX, opened XX/XX/XXXX, balance {$58000.00} late payment inaccurate ) XXXX These accounts are being reported inconsistently or inaccurately, in violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and 1681s-2, as well as Metro 2 standards. TransUnion has failed to ensure that the reported information is accurate, complete, and verifiable despite prior disputes. I request that the CFPB require TransUnion to conduct a full reinvestigation of these accounts, provide verification of the accuracy of all reported information, and correct or remove any unverifiable or inconsistent information. The continued presence of these inaccuracies is causing significant harm to my credit profile and financial reputation.

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 2025-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
A hard credit pull has come up on my credit report for Capital One dated XX/XX/2025. This was not authorized by me nor requested by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had a unauthorized charge on a Amex card. I resolved with the merchant who refunded it. Amex charged me {$260.00} in interest for it and wont refund the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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:
On XX/XX/2025, I confirmed through the official Equifax Data Breach Settlement portal ( Engagement No. XXXX ) that my personal information was impacted by the Equifax data breach. Because my sensitive consumer data was compromised, I am experiencing negative credit reporting and inaccurate information on my Equifax credit file. Derogatory accounts such as charge-offs and collections were reported after my data was exposed. These items are the result of compromised information, not legitimate transactions. I am requesting protection under the Fair Credit Reporting Act, including blocking of adverse information under 15 U.S.C. 1681c-2 and correction of all unverifiable or inaccurate data.

Please see attached documents below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX this account was opened with my information this was a automobile loan for $ XXXXI ask the company for the actual contract they refuse to give me information.I requested they investigate and remove from my credit reports, they still refuse to cooperate.I explained to the company I was a victim of several credit breaches.I have filed with FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Names : 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My identity was stolen in XXXX I was locked up for XXXX I came home in XXXX and seen a credit card or debit card was opened in my name it was opened XX/XX/XXXX I filed for fraud for XXXX XXXXXXXX XXXX somehow cant log into Experian its says my credentials isnt valid and I called but I cant get in because I dont know the security questions the scammer made can you please close this card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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 filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that EXPERIAN immediately block and permanently remove multiple fraudulent accounts Collections, Charge-Offs, Late Payments, and Hard Inquiries that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report Criminal Complaint # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. This FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX  XXXX on XXXX under the account number XXXX with a balance of {$140.00}, a collection opened at XXXX  on XXXX under the account number XXXX with a balance of {$850.00}, a collection opened at XXXX XXXX  on XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$1600.00}, an installment account opened at XXXX  XXXX on XXXX under the account XXXX XXXX with a balance of {$630.00}, and an installment account opened at XXXX  XXXX on XXXX under the account number XXXX with a balance of {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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. 
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : 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 2025-09-14 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information currently listed and showing on my Chex Systems Consumer Report ID : XXXX is a fraudulent and unauthorized bank account : XXXX XXXX XXXX Account, Unpaid, XX/XX/year>. I never opened an account with XXXX XXXX XXXX XXXX. The reported information is fraudulent and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: NJ

Complaint narrative:
On XXXX I filed a dispute with XXXX  Credit Bureau and within one day they stated debt was validated. Also, L J Ross Associates, INC located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX continued to call me and hang up as soon as I answered. I returned the call, and the operator was rude and yelling at me, so I discontinued the call. This debt can't be validated due to it not being my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I started the process of trading my car in to get a new car once the process was completed. The new lender reached out to them and informed that they bought the car and at the payoff will be XXXX weeks. I also reached out to them and gave them this information or recorded line ahead of time at the end of my lease or terms. They reported that I was late on my payment and I was not they were notified and they agreed that it was okay because it was a trade in and the other company was handling the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I filed a dispute with Barclays for a charge of {$4300.00} on XX/XX/year>, related to a vacation membership program with XXXX XXXX XXXX. My dispute case number was XXXX. The reason for my dispute was non-receipt of promised services, including access to a travel booking platform ( XXXX ) that was contractually guaranteed within 90 days but was never delivered. I also received member discounts that were significantly below the 25 % rate promised in writing. 

I formally requested the merchants documentation used to deny my claim on two separate occasions. I was told the documents would be sent within 10 business days ( reference number XXXX ), but I never received anything. On XX/XX/year>, at XXXXXXXX XXXX, I spoke with a representative named XXXX in Barclays dispute department who confirmed that : He could not escalate my call to a supervisor, The documents could not be sent through their secure portal, There was no guarantee they would be sent at all, The case had already been closed after 10 business days. 

This is a violation of the Fair Credit Billing Act ( FCBA ) and Regulation Z, which gives me the right to review the merchants evidence used to deny a dispute. Barclays closed the case without providing the documentation or properly re-investigating based on my rebuttal. 

I am asking the CFPB to investigate Barclays ' failure to meet federal consumer protection requirements and to compel the company to : Provide the requested merchant documentation, Re-open the dispute, Conduct a proper review based on non-delivery of services and breach of contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. Reinserting previously disputed and inaccurate information without explanation. Failing to notify customers about investigation results effectively. Please review the inaccurate information being report XXXX XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX {$870.00}, XXXX XXXX XXXX FL. 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
My Best Buy credit card, issued through Citibank, was used fraudulently to make XXXX {$710.00} purchases ( total {$2100.00} ) of XXXX consoles from XXXXXXXX XXXX XXXX website. I contested the charges, Citibank " investigated, '' and determined that I was responsible for the charges. Here is my response : XXXX. I did not make any of these charges. I am a XXXX woman with no interest in XXXX. When I made my report to the XXXXXXXX XXXX police on XX/XX/XXXX, they immediately noticed the number of purchases and said it looks like someone used my card to purchase the consoles for resale. 
XXXX. The only place I used my actual Best Buy card was in the Best Buy store in XXXX. The police believe an employee of the store likely stole my card information, including the XXXX, and used it to make the fraudulent purchases. 
XXXX. The information Citibank received from the merchant is suspicious for XXXX reasons : a. First, it gives an email address that is not mine. The suspicious email is XXXX. That email address is not and has never been mine. It does not even exist. 
b. Second, the items were delivered to an address in XXXXXXXX XXXX XXXX. I live in XXXXXXXX XXXX XXXX and dont know anyone in XXXX XXXX XXXX XXXX XXXX and I certainly never sent XXXX ( XXXX! ) Playstations to anyone there. The suspicious address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, I know no one at that address or in that city. 
XXXX. The XXXX number of the computer from which the items were ordered is not mine. I have included the IP Geolocation information proving the XXXX address they cited is also in XXXX, where I have never lived. Here is the IP Geolocation information I found : Geolocation Info IP : XXXX XXXX XXXX XXXXXXXX City : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Police Report Number XXXX : I filed a report with the XXXX XXXX  police department on XXXX XXXX XXXX XXXX the day I received your letter. Because the case looks like fraud to them, and is for a relatively high amount of money, they have turned it over to their XXXX XXXX for 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 monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
Dear, DIVERSIFIED ADJUSTMENTS XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I am responding to your claim regarding the debt you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which entitles me to request validation of the debt you are attempting to collect.

Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized accounting of any interest, fees, or charges.

3. Proof that I am legally obligated to pay this debt.

4. A copy of any judgment ( if applicable ).

5. Proof that your agency is licensed to collect debts in my state.

Until you provide the requested documentation, and as required by law, you must cease all collection activity, including reporting this alleged debt to credit bureaus.

Please note that this letter is not a refusal to pay but a request for validation. Once I receive the proper documentation, I will review it and respond accordingly.

Company response to consumer: Closed with explanation