vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: VA

Complaint narrative:
Credit XXXX bank is showing a closed account from XXXX, And still reporting the account as opened with continuous late payments from XXXX, XXXX and XX/XX/year>. This is inaccurate and illegal. I would like to have this account closed and updated correctly, child support services how 2 late payments. I have never made a late payments and they can confirm with Transunion that no such late payments exist. I would like this updated. I also see late payments from XXXX XXXX which is not accurate

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 2025-04-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have unauthorized inquiries into my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I have unauthorized inquiries into my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
XXXX with CFPB they sold my account and no longer own it, yet od XX/XX/year> they reported a late payment on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: OH

Complaint narrative:
My personal information was sold and purchased by a third party company that is constantly harassing me with annoying phone calls and collection notices on my consumer reports acting as a legitimate business transaction without my consent.

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 2025-04-06 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:
My personal information was sold and purchased by a third party company that is constantly harassing me with annoying phone calls and collection notices on my consumer reports acting as a legitimate business transaction without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. This unauthorized information, resulting from identity theft, has significantly impacted my life by causing substantial stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently gotten a copy of my credit report and realized that my car loan debt has been paid off and completed due to the filing of XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX has not been updated and it's hurting my future creditworthiness!!!!!

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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
REGIONS EMPLOYEES ACTED IN RETALIATION AND NEGLIGENTLY CLOSED MY DEBT CARD WHILE IN NEED. THIS CAUSED financial harm.

I contacted regions for excessively applying atm fees to my account. I clearly stated it was not fraud and to leave my card alone. On the XXXX i had an atm fee added. The way all the interactions went. You can tell it was on purpose and do to the instructions provided by rep.

They supervisor insisted it was fraud reporting. No matter how many times I pointed out the fact I said it wasn't. I then asked would I be getting all my fees and money back then if you guys self-reported it as fraud. They said no which in turns means they want to have it both ways.

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 2025-04-07 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: PA

Complaint narrative:
I CONTACTED THE CREDITORS AND ADVISED THEM THAT THESE ACCOUNTS WERE FRAUDULENT AND DID NOT BELONG TO ME. THEY STILL HAVE NOT ACTIONED MY ACCOUNT AS REQUESTED.

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 2025-04-06 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: TX

Complaint narrative:
Urgent Complaint Regarding Identity Theft, Improper Reporting, and Federal Violations by Credit Bureaus and Data Furnishers To Whom It May Concern, I am filing this complaint to formally report ongoing identity theft and numerous inaccuracies $ = & the unlawful use and reporting of my personal and financial information by the major credit reporting agenciesExperian, Equifax, and TransUnionas well as several data furnishers.

Despite over a year and a half of written disputes, proper documentation, and repeated requests for investigation and correction, these agencies have failed to act in compliance with federal law. I am enclosing a signed FTC Identity Theft Report ( Report # XXXX ), a sworn statement under penalty of perjury, and a copy of my formal notice sent to the credit bureaus dated XX/XX/scrub> 2025. 

This complaint addresses the following : Fraudulent Accounts listed under my name without my knowledge or authorization.

Continued reporting of charged-off accounts as active or collectible, which directly violates both FCRA regulations and IRS 1099-C guidelines.

Failure to provide validation of debt or documentation required under the FDCPA.

Illegal access and distribution of my personal and financial data without my consent.

These actions are in clear violation of multiple statutes, including but not limited to : FCRA 1681c-2, 1681e ( b ), 1681i, 1681s-2, 1681b FDCPA 1692g, 1692c FTC Privacy Rule & CFPB Enforcement Manual IRS Guidelines for Charged-Off Debts ( 1099-C ) Despite legal notice being provided, the agencies and furnishers involved have : Failed to block fraudulent data after receiving formal identity theft documentation Ignored statutory obligations to validate alleged debts or correct erroneous reporting Shared my data without a permissible purpose, which constitutes a breach of privacy The accounts listed below are examples of fraudulent or improperly reported items : XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Additionally, I have reason to believe that some entities are attempting to illegally collect on these accounts and potentially profit from overpayments, which further compounds the financial and emotional harm I have endured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: PA

Complaint narrative:
I received two fraudulent charges on my debit card with Santander Bank. One was for {$29.00} and one was for {$26.00}, both purchases used for fast food at a XXXX XXXX restaurant in California. I alerted the bank immediately. The bank supposedly did an investigation and determined that no fault had occurred and that I had been the one who had made those purchases. I live in Pennsylvania. According Santander Bank, those purchases came from a device in California and a device in Texas. I had used the card locally around the time and it would have been impossible to have made those purchases on the other side of the country.

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 2025-04-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Over the last two years have had unauthorized credit inquires on my report. I have not received any communication for the credit companies running my credit. I have fraud alerts on my Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-06 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: TX

Complaint narrative:
I am filing this complaint because XXXX, XXXX, and Experian are reporting inaccurate information related to three accounts from XXXX XXXX  : Account # XXXX Account # XXXX Account # XXXX I have no obligation to pay this company. I previously contacted the original creditor, who has provided all requested documentation proving I do not owe this debt to XXXX Funding. I have also attached multiple statements I received from the creditor, which show inconsistent and inaccurate payment information. These inconsistencies further confirm that the information being reported to the credit bureaus is not reliable or accurate. Additionally, I sent a formal dispute letter to the credit bureaus on XX/XX/year>, which I have also attacheddated and time-stamped for your reference. It has now been over four months with no resolution. I am formally requesting the immediate deletion of these XXXX XXXX XXXX accounts from my credit reports with all three bureaus. Continued reporting of unverifiable and inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
Trying to get a hold of Cash App for the settlement because I had money taken out of my account for no reason I try to dispute it. Try to get the money back wasnt happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: AZ

Complaint narrative:
Over the last two years my credit has been ran without my approval. My report says to call me when obtaining credit. Not one single phone call.

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 2025-04-06 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:
Urgent Complaint Regarding Identity Theft, Improper Reporting, and Federal Violations by Credit Bureaus and Data Furnishers To Whom It May Concern, I am filing this complaint to formally report ongoing identity theft and numerous inaccuracies $ = & the unlawful use and reporting of my personal and financial information by the major credit reporting agenciesExperian, Equifax, and TransUnionas well as several data furnishers.

Despite over a year and a half of written disputes, proper documentation, and repeated requests for investigation and correction, these agencies have failed to act in compliance with federal law. I am enclosing a signed FTC Identity Theft Report ( Report # XXXX ), a sworn statement under penalty of perjury, and a copy of my formal notice sent to the credit bureaus dated XX/XX/scrub> 2025. 

This complaint addresses the following : Fraudulent Accounts listed under my name without my knowledge or authorization.

Continued reporting of charged-off accounts as active or collectible, which directly violates both FCRA regulations and IRS 1099-C guidelines.

Failure to provide validation of debt or documentation required under the FDCPA.

Illegal access and distribution of my personal and financial data without my consent.

These actions are in clear violation of multiple statutes, including but not limited to : FCRA 1681c-2, 1681e ( b ), 1681i, 1681s-2, 1681b FDCPA 1692g, 1692c FTC Privacy Rule & CFPB Enforcement Manual IRS Guidelines for Charged-Off Debts ( 1099-C ) Despite legal notice being provided, the agencies and furnishers involved have : Failed to block fraudulent data after receiving formal identity theft documentation Ignored statutory obligations to validate alleged debts or correct erroneous reporting Shared my data without a permissible purpose, which constitutes a breach of privacy The accounts listed below are examples of fraudulent or improperly reported items : XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Additionally, I have reason to believe that some entities are attempting to illegally collect on these accounts and potentially profit from overpayments, which further compounds the financial and emotional harm I have endured.

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 2025-04-06 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:
Urgent Complaint Regarding Identity Theft, Improper Reporting, and Federal Violations by Credit Bureaus and Data Furnishers To Whom It May Concern, I am filing this complaint to formally report ongoing identity theft and numerous inaccuracies $ = & the unlawful use and reporting of my personal and financial information by the major credit reporting agenciesExperian, Equifax, and TransUnionas well as several data furnishers.

Despite over a year and a half of written disputes, proper documentation, and repeated requests for investigation and correction, these agencies have failed to act in compliance with federal law. I am enclosing a signed FTC Identity Theft Report ( Report # XXXX ), a sworn statement under penalty of perjury, and a copy of my formal notice sent to the credit bureaus dated XX/XX/scrub> 2025. 

This complaint addresses the following : Fraudulent Accounts listed under my name without my knowledge or authorization.

Continued reporting of charged-off accounts as active or collectible, which directly violates both FCRA regulations and IRS 1099-C guidelines.

Failure to provide validation of debt or documentation required under the FDCPA.

Illegal access and distribution of my personal and financial data without my consent.

These actions are in clear violation of multiple statutes, including but not limited to : FCRA 1681c-2, 1681e ( b ), 1681i, 1681s-2, 1681b FDCPA 1692g, 1692c FTC Privacy Rule & CFPB Enforcement Manual IRS Guidelines for Charged-Off Debts ( 1099-C ) Despite legal notice being provided, the agencies and furnishers involved have : Failed to block fraudulent data after receiving formal identity theft documentation Ignored statutory obligations to validate alleged debts or correct erroneous reporting Shared my data without a permissible purpose, which constitutes a breach of privacy The accounts listed below are examples of fraudulent or improperly reported items : XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Additionally, I have reason to believe that some entities are attempting to illegally collect on these accounts and potentially profit from overpayments, which further compounds the financial and emotional harm I have endured.

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 2025-04-06 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NV

Complaint narrative:
In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC1681 section 602 states I have a right to privacy. 15 USC 1681 section 604a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.

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 2025-04-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED CAVALRY PORT ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX {$4700.00} XXXX XXXX XXXX - XX/XX/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 XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

Company response to consumer: Closed with non-monetary relief