vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.FOUNDERS FCU XXXX Balance : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : XXXX Date Opened : 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Capital Bank XXXX XXXX XXXX : Forever XXXX XXXX Credit Card Account XXXX in XXXX CFPB Ref. No. XXXX Thank you for your letter dated XX/XX/year>, in response to my inquiry filed with the Consumer Financial Protection Bureau XXXX 

While I acknowledge receipt of your prior response dated XX/XX/year>, I must reiterate that your findings do not resolve the concerns I raised. Simply stating that no violations of law were found does not sufficiently address the specific issues outlined in my original correspondence. 

To further clarify, I have contacted XXXX XXXX XXXX, according to your records, XXXX have been assigned or involved with this accountand they have confirmed in writing that they have no knowledge of this account. This raises further concern regarding the accuracy and handling of my account information. 

To ensure a full and fair resolution, I am again requesting the following : 1. A detailed explanation of the actions taken on my account that led to my concerns.

2. A clear reference to any applicable policies or terms and conditions justifying those actions.

3. A formal outline of the steps I may take if I wish to further dispute or appeal this decision.

4. Clarification of whether this account has been sold, transferred, or assigned to any third-party, and if so, the exact date and the name of the entity involved. 

I respectfully request a more thorough review of my case and a response that specifically addresses the core points of my complaint, not a restatement of prior communications. If your investigation was truly complete, I ask that you provide documentation supporting your conclusion. 

Please respond in writing within XXXX business days. I am also forwarding this letter to the Consumer Financial Protection Bureau for their continued review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  credit reporting agency, 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 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: CA

Complaint narrative:
I had fraudulent transactions and have been issued permanent credit which total {$960.00}. I stopped using the card and gave the negative balance on my account for over 2 months. I called in to request and was transferred from customer care to security fraud department and back and forth with a waiting on hold for over 2 hours. I requested for a manager and they out me on hold over 30 minutes and came back the line disconnected. I called back in yo go through all the process again with verifying my account with multiple questions and transferred me back and forth, refused to offer service. My account is in good standing and I paid my bill on time. With automatic payment, I wasnt awarded of the fraud activities and was billed monthly. Investigated and permanent credit, not honoring my right by law to get a refund so I could pay my bill from another credit card. I was bullied from technical support and have waited over 3 hours. How can a company have unethical business practice to aggravated the stress I already endured with their part to failed to protect cardholder. I did not get a text for any purchases made on my card as I setup alerts for it, and having to deal with this cruel customer services.

I am desperate need your help. 

Sincerely, 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: PNC Bank N.A.
State: WV

Complaint narrative:
I signed a loan on XX/XX/XXXX with a sunset date on changes of XX/XX/XXXX ( ie I may cancel or change the loan up until XX/XX/XXXX ). No changes were made or requested by either party during this timeframe ( this was the XXXX modification by PNC on the loan since the original request was submitted - I had initially submitted in XXXX and changes were made by PNC in XXXX and XXXX based on various items ). Then they stated because they disbursed on XXXX ( XXXX  ) instead of XX/XX/XXXX ( on the agreement - modification was made by them based on a request from XXXX for funds on XXXX  instead of XXXX  ) they are " allowed to modify as they desire '' and " I can go XXXX XXXX XXXX XXXX myself ''. I requested to have the loan made as per the signed and dated agreement, they said no they do not have to honor the agreement as they are free to do as they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact 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 explanation
Consumer complaint received 2025-08-25 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: PNC Bank N.A.
State: IL

Complaint narrative:
I've already reported that this is an Identity Theft issue. I've also been involved in Equifax XXXX XXXX. Other Bureaus have already deleted this information. Experian refuses to delete. 

XXXX Bank XXXX Acct XXXX : XXXX Opened XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have had a Santander credit card for XXXX  years. For months, I have been unable to log in to my account online or through the app, which has prevented me from managing payments normally. 

XXXX : XX/XX/year> Called Santander. Was told my account access would be restored once I made a payment. I paid, but access was not restored. 
XX/XX/year> Called again to resolve login issues. Still unable to access online account. 
Throughout XXXX, I had to make payments by phone because I could not log in. Most of the balance has been paid down ( about {$250.00} remaining ). 
Despite my efforts, Santander reported me as XXXX  days delinquent unfairly, since the only reason I could not pay on time through normal means was their system blocking me. 

Problem : Santander has failed to restore my online account access as promised, causing unnecessary stress and inaccurate negative credit reporting. 

Requested Resolution : XXXX. Immediate restoration of my online account access. 
XXXX. Correction of any inaccurate delinquency reports made to credit bureaus. 
XXXX. Assurance that I can manage my account and payments online in the future without similar issues.

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 2025-08-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates ( XXXX ). My XXXX  XXXX account ending in XXXX was sold to XXXX on XX/XX/year>, as confirmed by XXXX XXXX in writing. XXXX XXXX also placed this account in cease-and-desist status, meaning they agreed to stop contacting me regarding this balance. Despite that, XXXX has been reporting this account to the credit bureaus and attempting to collect without proper validation. 

XXXX XXXX confirmed that no signed contract exists because my account was opened online. Without a signed agreement or my consent to transfer my personal information, XXXX has no legal authority to collect or report this debt. This violates : FDCPA 15 U.S.C. 1692g failure to provide proper debt validation. 

FDCPA 15 U.S.C. 1692e misrepresentation of the legal status of the debt. 

FCRA 15 U.S.C. 1681s-2 ( b ) failure to ensure accuracy of reporting. 

XXXX 15 U.S.C. 6801 unlawful sharing of my nonpublic personal information without consent. 

At the time of these actions, I was under documented medical hardship. Instead of being offered assistance, my account was sold, and my private information was given to a debt buyer, causing additional stress and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have requested for LexisNexis, a credit bureau company to remove a civil judgement from my credit report, providing them with proper documentation since XX/XX/year>. I have provided this company with a copy of my lease at my new residence in the beginning of XXXX, XXXX  as well as a copy of dismissed Civil Judgement document from the debt collector and court. Everytime I call LexisNexis they add XXXX more days to have this removed and they have all the documents!! We are now entering into XXXX days and this civil judgement has not been removed from my credit report. It is hindering me from obtaining credit in the future as well as my credit score! 
I have a court docket number to provide which LexisNexis have received from myself. Please assist me and have this information removed asap. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX frauded on XX/XX/2025 throu phone call stateing my Wells Fargo account has been hacked for over {$4000.00} dollars. Person said they were from the FBI and were investigating it. Asked for my cooperation by going to bank and withdraw the money transferred from my credit card to my savings account and leave my cellphone on to here conversion between me and associates. When I got there I started to feel that this was fraud. Confirmed with associates and hung up. The person on cellphone called back two more times but I didn't answer. Went to Wells Fargo Bank manager to discuss what happened and she referred me to call the fraud division of Wells Fargo there at the bank. Fraud division found the fraud closed all my accounts and issues new account numbers and debit and credit cards. All was good until I found that Wells Fargo put a {$2000.00} Cash advance plus fees of {$100.00} for doing so on the new credit card without my authorization. Called back to find out why. Was told even though it was fraud I'm still responsible for the {$2000.00} plus fees now with interest. And Wells Fargo closed the case. How am I responsible for something I didn't do. Called them about 4 times on this and got the same answer.

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