vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Could you double-check this entry? The late timing might have introduced errors.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am disputing an inaccurate entry on my XXXX XXXX XXXX consumer report submitted by XXXX XXXX XXXX ( Contribution Ref # : XXXX ). It lists Checking Account Fraud, which is false. I have never committed fraud.

If this designation resulted from overdraft activity or account management errors, that does not constitute fraud. This inaccurate labeling has caused denial of basic banking services.

I request that XXXX XXXX XXXX : 1. Reinvestigate this entry with Santander, 2. Provide documentation verifying the alleged fraud, and 3. Remove the entry if they can not provide verifiable proof.

I have attached my ID, proof of address, and any relevant account documents. I request that CFPB assist in ensuring this matter is corrected promptly.

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 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I have a XXXX XXXX XXXX Account XXXX Synchrony Bank. I cancelled my card security to lower my minimum monthly payment. However, when I did so, my minimum payment did not changed. At that time it came to my attention that they had been adding this charge to my balance each month rather than me actually paying it each month. However they calculated the charge of the card security based on the balance, so essentially, they were charging me over and over for the card security. They will not provide any detailed breakdown or even a conversation in writing to clarify their policies, etc.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am following up on my previous complaint regarding multiple inaccuracies on my consumer credit report, which continue to negatively impact my credit profile. Despite my prior request for investigation and correction, several accounts still display incorrect balances, statuses, and reporting, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}, AFFIRM XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$160.00}, and XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ),

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 2025-11-28 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: GA

Complaint narrative:
I am following up on my previous complaint regarding multiple inaccuracies on my consumer credit report, which continue to negatively impact my credit profile. Despite my prior request for investigation and correction, several accounts still display incorrect balances, statuses, and reporting, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00}, AFFIRM XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$160.00}, and XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Balance : {$2000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX : {$12000.00} - Date XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I return the item which was a pool to XXXX and never got the loan canceled from Affirm. I was told to do dispute to end contract I made XXXX disputes already with pictures proof and email from manager of store. Spoke to about XXXX affirm supervisors and no one will help to cancel or return ome payment made since loan since XX/XX/year>. 

Attached email from store Manager of XXXX store in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened : XXXX Balance : {$290.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX - XX/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 2025-11-28 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:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXX Balance {$3400.00} XX/XX/XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX Balance {$3300.00} XX/XX/XXXX XXXX Balance {$11000.00} XX/XX/XXXX XXXX XXXX Balance {$8400.00} XX/XX/XXXX XXXX Balance {$9400.00} XX/XX/XXXX XXXX Balance {$36000.00} XX/XX/XXXX XXXX Balance {$17000.00} XX/XX/XXXX XXXX {$5100.00} XX/XX/XXXX XXXX Balance {$88000.00} XX/XX/XXXX XXXX Balance {$32000.00} XX/XX/XXXX XXXX {$12000.00} XX/XX/XXXX XXXX Balance {$15000.00} XX/XX/XXXX XXXX Balance {$0.00} NAVIENT XXXX Balance {$0.00} XXXX XX/XX/XXXXXXXX Balance {$25000.00} XXXX XX/XX/XXXX XXXX Balance {$22000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, TX XXXX BANK/NC XX/XX/year> XXXX XX/XX/year> Under the Fair Credit Reporting Act XXXX FCRA XXXX, 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding the inaccurate and improper collection account reported against me for a disputed balance of {$100.00} from my former apartment. I moved out in XX/XX/XXXX and later received my full security deposit refund in XX/XX/XXXX, confirming that I did not owe any outstanding balance. 

Before receiving that refund and without any prior notice, billing statement, or communication, I received a collection letter claiming I owed {$100.00}. This was the first time I was ever informed of any alleged balance. During this period, the collection agency also contacted me repeatedly at my workplace, even though I never gave permission for them to call me at work. These calls were inappropriate and caused significant stress and embarrassment. 

When I contacted the apartment complex, I was told that my account was not supposed to be sent to collections, but the property had since been sold, and I could not obtain a clear resolution. To avoid further issues, I paid the {$100.00}. At the time of payment, the collection agency assured me multiple times that the account would be removed from my credit report within XX/XX/XXXX days. 

Despite these assurances, the item was not removed, and it is still being reported inaccurately as a charge off and collection, even though the balance has been paid. This inaccurate reporting directly interfered with my ability to obtain mortgage pre approval and has caused delays and financial impact in my attempt to purchase a home. 

I want to emphasize the following concerns : I was never properly notified of any debt before it was sent to collections. 

I received a full deposit refund showing no balance owed. 

The debt was placed in collections without my knowledge or opportunity to resolve it. 

The agency contacted me at work without consent. 

I was repeatedly told the item would be removed from my credit report, and it remains. 

The continued reporting of this item has directly harmed my credit standing and affected a major financial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-28 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: FL

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 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 2025-11-28 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: NC

Complaint narrative:
This complaint is against Equifax. My score dropped XXXX points after paying down on installment loans that are slated to expire. My student loan with XXXX and my XXXX personal loan. I have no derogatory marks on my credit or late payments however I was wrongly penalized for paying down and off balances that were not revolving Lines of credit. They are termed loans that are set to expire. I contacted Equifax regarding this matter and tried to file a complaint with them. This was unsuccessful. I also have documentation showing that my score was supposed to go up instead it went down significantly. I am requesting that Equifax reinstate my score and raise it properly as the algorithms are mandated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
On XX/XX/2025, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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