vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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 am submitting this complaint regarding a fraudulent loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from this loan. 

The loan account XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of this fraudulent auto loan. Despite my request, the account continues to remain on my credit file. 


The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness.

Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( Experian, Equifax, TransUnion ).

Confirmation in writing that this account will not be reinserted into my credit file.

Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B.

I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus. 



Thank you for your prompt attention to this matter.

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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX. During my bankruptcy proceeding, I signed a reaffirmation agreement with Kia Finance with the remaining balance, which is less than {$5500.00}. I have had this vehicle with no missed payments since XXXX of XXXX. My ex-husband, a cosignor, is also listed in my bankruptcy proceeding and the reaffirmation agreement should have removed his obligation with this loan. During the bankruptcy, payments were suspended ; there was no update, only a message stating my account was in special accounts and no payment was required at this time. After my bankruptcy was XXXX I received a notice of payment in XXXX of XXXX for {$1900.00} after I had just paid {$500.00}. I planned to contact Kia Finance to discuss but before I got the chance to do so, my vehicle was repossessed with a balance of {$2400.00}. I paid that amount the same day to get my vehicle back, in addition to repossession fees, so my vehicle was in repossession for about XXXX hours. My credit was impacted negatively, and it took Kia Finance almost XXXX months to update my credit report. I am now being billed for over {$1000.00}. There is no breakdown of how this amount is reached ; it says there is a past due balance for the month of XXXX ( the month of my vehicle repossession ) of {$82.00} and current charges of my normal monthly payment, {$500.00}. My ex-husband, who was recently XXXX XXXX XXXX XXXX and with whom I have a history of XXXX XXXX XXXX XXXX XXXX, was notified of my vehicle repossession and new address, which I would never have given him.

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 2025-09-15 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: OH

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

XXXX # XXXX XX/XX/XXXX -- {$1100.00} UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-09-15 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I received a text message alert that a purchase had been made on my Santander Credit Card for {$320.00}. I called Santander XXXX immediately to ask about the transaction since I had not used the card and the representative informed me that the card had been used at XXXX 's in NJ. I told the rep, I was currently in XXXX XXXX and that the transaction was fraud. The card was in my possession so must had been skimmed. They blocked the card & filed a claim. 
On XX/XX/year>, the bank denied my claim. 
On XX/XX/year>, I called back to dispute this denial. The representative & supervisor I spoke to said the card was used with the chip which is why the claim was denied. They supervisor also said they could see a transaction was attempted in XXXX a few hours after I had gotten the card blocked. I said the card was XXXX & also mentioned this wasn't a card that I used often ( last time I used the card was in XXXX ) and since it was never outside of New York, why hadn't this transaction been flagged. I told the supervisor that I feel defrauded by the bank as this is not the first time I've had a negative experience with Santander. Previously, I had not received balance transfer alerts I had enrolled in and had been charged multiple due to bank error. The supervisor resubmitted the claim. 
On XX/XX/year>, I saw that auto-payments had been taken out for the credit card and they had denied the claim again. I called Santander XXXX again to try to resolve this and they said since the card with chip had been used, they denied my claim. The supervisor also said that had I used the card in XXXX XXXX, NY when I reported the fraud transaction, they would have been able to see that I had the card in my possession and was hours away from where the XXXX card was used in NJ. I asked the supervisor then why wasn't that told to me when I called since I specifically told the representative who took my initial claim that I was in XXXX, NY and that there was no way I had conducted a transaction at XXXX in XXXX, NJ. The supervisor said they couldn't see how the transaction was coming in and they haven't seen duplication of the chip YET. I responded " either they have found a way to duplicate the chips or the reporting of the chip being used at XXXX 's is wrong. '' The card was obviously skimmed. I told the supervisor I would be filing a complaint since Santander XXXX has a history of defrauding its clients. The supervisor said there was nothing left be done.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am disputing the inaccurate reporting of a past due payment on my auto loan account with XXXX XXXX XXXX ( XXXX XXXX. XXXX ). According to my Experian credit report, the creditor reported that I was {$220.00} past due as of XX/XX/year>. This information is false and constitutes an error. 

I have never been late on any payments. The alleged delinquency occurred because XXXX XXXX XXXX failed to properly process and debit my monthly payment from my bank account, even though sufficient funds were available. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must report complete and accurate information and promptly correct any inaccuracies once notified. Reporting a late payment that never occurred violates this law.

Additionally, under the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., financial institutions are required to process authorized payments correctly and resolve any errors that result from failed electronic transfers. I authorized the payment in good faith, and the error lies with the creditors processing system, not with my actions. 

This inaccurate derogatory mark is damaging my creditworthiness and financial stability. I request immediate correction of my credit report to reflect that I have never been late on this account. Specifically, I demand removal of the false delinquency and confirmation that my payment history is reported as current and on time. 

I am exercising my rights under FCRA 611 and 623 to dispute inaccurate information, and I expect a full investigation and correction of this error.

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 2025-09-15 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: WI

Complaint narrative:
This is my second formal dispute regarding the inaccurate and misleading reporting of late payments on closed or low-balance credit accounts. You failed to properly correct these errors during my initial dispute, and I am now escalating this matter under the Fair Credit Reporting Act ( FCRA ) and relevant Federal Trade Commission ( FTC ) guidance. 
The following accounts are being falsely reported with late payments despite either being closed or having negligible balancesfurther suggesting inaccurate data furnishing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6.00} Last Payment : XX/XX/XXXX SYNCB/PPC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22.00} Last XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
b'Cashapp, XXXX XXXX XXXXI  reached out explained what happened and how it was incorrect and asked them to just refund my money to which they denied it, then I provided screenshots as proof that they double charged my card to which they denied again then promptly ended our chat'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-15 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:
Equifax, they are not updating my information nor, they are not correcting old information and address Experian. Are not allowing corrected information. The are also disavowing t he old address that I neverbstayed at please remedy the matters asap

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 2025-09-15 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/year> -- {$1100.00}

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 2025-09-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXXExperian XXXX XXXX XXXX XXXXXXXX XXXXTX XXXX XXXX, GA XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Experian,\nI am writing to formally dispute inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX data breach of XXXX  in which the personal information of over XXXX XXXX  Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX  as well as the XXXX XXXX breach exposing over XXXX XXXX passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerelyXXXX 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 2025-09-15 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: LA

Complaint narrative:
Starting in XX/XX/XXXX, I noticed a charge on my account that I did not make. I called Barclay Card and notified them on XX/XX/XXXX. They lady on the phone assured me that they would look at it and get back with me, They didn't. I called again on XX/XX/XXXX. The lady said " Yes '' we have a problem but it should be solved in 2-3 days. At this time I got locked out of the website and could no longer access it. On XX/XX/XXXX. I was able to access the website for a few minutes and at that time their where about {$8000.00} in fraud charges. I closed the account. I have never been able to get back on the site and they won't give me an answer why, except to say your account is flagged. It was recommended that I file a police report, I did on XX/XX/XXXX. I met with the Detective XXXX of the XXXX XXXX Police Dept. XXXX. He subpoena the records and we went through them on XX/XX/XXXX. easily identified the fraud charges. I sent the police report in to the legal dept of Barclay Card. XXXX. I got an automated response telling that they would contact me, The next day I got an email from Barclay saying a response is in the website, that I can't get in. I called again today and was told we had to wait on " Legal '' My credit score has dropped XXXX points in the past 2-3 months. I can't even get in the website to make a payment. 

Please help. 
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 2025-09-15 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

XXXX # XXXX XX/XX/year> -- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation