vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXXXXXX XX/XX/scrub>/2024, XXXX XXXXXXXX XX/XX/year>2024 & XXXX XXXX XXXX/XXXX/2024

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 2025-04-04 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: KS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth XXXX Current Address : XXXX XXXX XXXX XXXXXXXXXXXX XXXX # XXXX XXXX Texas XXXX XXXX I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
Apparently SoFi Bank does not allow Third-Party Deposits. My Brother is in School and we were using my Bank Account as the Account for his XXXX XXXX Disbursements. SoFi never notified me that this wasn't allowed, but they decided they were going to Close my Account. Whatever.

It's been almost a month, there is over {$500.00} in my Accounts that I can not Transfer Out or access, I've missed Bill Payments, etc. while waiting for this lazy Company to do ANYTHING. They were supposed to Mail me a Check when they Close my Accounts, which they haven't done yet, and they keep saying in every phone call that my Accounts will be Closed in 1 Business Day. Never XXXX happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
attempted to transfer {$800.00} from my XXXX account to my own Citibank account, but due to a one-digit error in the Citibank account number, the funds were sent to the wrong account. XXXX initiated a recall of the funds, but Citibank denied the request. I visited the XXXX XXXX Citibank branch in person, and although they acknowledged the error, they refused to take any action to help recover the funds or investigate further. I am now missing {$800.00} through no fault of my own, and neither bank is assisting in resolving the issue.

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 2025-04-04 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: GA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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 your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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 your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/scrub> 2025, my USAA American Express credit card was stolen and used to make the following five ( 5 ) purchases : 1 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025 Amount : {$98.00} ; 2 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025 Amount : {$23.00} ; 3 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025, Amount {$42.00} 4 ) Merchant : XXXX # XXXX XXXX Date : XX/XX/scrub> 2025 Amount : {$170.00} 5 ) Merchant : XXXX # XXXX XXXX Date : XX/XX/XXXX. 2025, Amount {$10.00} Total {$350.00} Upon realizing my credit card was lost/stolen on XX/XX/year>2025, I immediately blocked the card via the USAA app , and then called USAA customer service to report the fraudulent charges posted to my account. USAA credited my account for the transactions, cancelled my card and issued a new card. 

However, on XXXX, 2025 USAA posted 4 of of the charges ( items 1 -4 listed above for a total of {$340.00} ) back to my account. 

On XX/XX/scrub> 2025 I received correspondence from USAA advising that an investigation determined the four charges were not fraudulent and that I would be responsible for same. This determination was wholly inaccurate. My card was stolen by an unknown individual, and used without my permission or knowledge. Further, the XX/XX/year>2025 letter was provided without explanation or information on how I could dispute further. Why it determined only one of the five transactions was fraudulent was not explained either. 

On XX/XX/scrub> 2025, I requested contact information for the department where I can communicate my dispute in writing. USAAs live chat representative refused to provide that information, and would only provide the general customer service number. She did submit a report to the fraud services department ( Associated Case No. XXXX ), but would not provide more information on how I can contact that department other than dialing the main customer service number. 

The disputed charges were made after my card was stolen and used without my permission. I should not be held liable for the amounts charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

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 2025-04-04 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: CA

Complaint narrative:
1. Please check the information concerning the Equifax data breach below in the attachments as my credit has been compromised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a notification from Synchrony Bank regarding possible fraud on my XXXX XXXX XXXX. After contacting them I was told there was no fraud activity but this was a general message to collect personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: LEXISNEXIS
State: FL

Complaint narrative:
Please investigate and correct or delete any inaccurate, incomplete, or unverifiable information. If you can not verify the accuracy of these items within 30 days, they must be removed from my report per federal law.

2. Debt Validation Request ( 15 U.S.C. 1692g ) If you are attempting to collect any debt from me, I request full validation of the alleged debt, including : Proof that I owe the debt, including a signed contract or agreement A detailed accounting of how the amount was calculated Proof that you are legally authorized to collect this debt The original creditors information Under 15 U.S.C. 1692g, you must cease collection efforts until proper validation is provided. If you can not validate this debt, you must remove it from my records and cease all communication.

3. Cease and Desist Communication ( 15 U.S.C. 1692c ) If this debt is not validated, you are hereby notified to cease and desist all further communication with me, except for official legal notices. Any further harassment or unlawful collection attempts will be reported to 1 the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

4. Unauthorized Credit Inquiries ( 15 U.S.C. 1681b & 1681m ) I have also noticed unauthorized inquiries on my credit report. Per 15 U.S.C. 1681b, you are required to have permissible purpose before accessing my credit file. If you accessed my report without authorization, this is a violation of federal law.

I request the following : The reason for each hard inquiry on my report The name of the entity that authorized the inquiry Removal of any unauthorized inquiries Final Notice & Legal Action Warning If these requests are not addressed within 30 days, I will exercise my rights under the FCRA and FDCPA, including filing complaints with the CFPB, FTC, and state regulatory agencies, and pursuing legal remedies.

I expect a written response confirming compliance with my requests. Failure to comply will be considered a violation of my rights and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Subject : Illegal Re-reporting of Charged-off Account Under a New Entity Without Consent or Notice Complaint Details : I am filing this second complaint against Santander in regard to an account originally held under Santander Consumer USA Inc . This new complaint is directed at Santander Bank, N.A., who is now reporting the same charged-off account under a new namewithout any prior notice, consent, or contractual relationship on my part.

This account, a {$35000.00} charged-off auto loan, was previously the subject of a CFPB complaint I filed due to inaccurate and harmful reporting prac

tices. It now appears on my credit report under a different lender name, Santander Bank, N.A., despite the fact that I never signed or agreed to any financial agreement with that entity. Violations and Issues : 1. Fair Credit Reporting Act ( FCRA ) Violation Inaccurate Reporting Under 15 U.S. Code 1681s-2 ( a ), furnishers must not report information that is inaccurate or incomplete. Reporting a charged-off debt under a new entitys name with no disclosure or explanation is misleading, confusing, and inaccurate. 2. FCRA Violation Failure to Notify of Account Transfer As per FCRA and industry standards, I should have received clear written notification if this account was sold, transferred, or assigned to another entity. I received no such notice. 3. Potential Re-Aging of Debt Illegal Practice If this new tradeline under Santander Bank, N.A. resets the date of last activity or appears to refresh the charge-off date to make it seem newer, that violates federal law. Debts must be reported with accurate original dates. 4. Duplication of Negative Account History It appears the same account is being reported under two different names, which may result in double jeopardy on my credit profile and causes additional damage to my score. This is deceptive and unfair under FCRA and FDCPA standards. Pattern of Behavior : This appears to be an intentional tactic by Santander to evade previous disputes and complaints, essentially resetting the credit reporting process to keep this negative item fresh and harder to remove. This is an abuse of the credit reporting system and demonstrates bad faith toward consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citi Bank, the credit card issuer for our AAdvantage Mastercard, charged us interest even though we paid more than the statement balance before the due date. 

Statement eding XX/XX/year> : Minimum Payment - {$61.00} Statement Balance - {$100.00} Due Date - XX/XX/year> Payment, XX/XX/year> : {$1300.00} Interest charged on XX/XX/year> : {$49.00} Company waived the interest charges as a one-time courtesy, but could not explain why I was charged interest in the first place. They also did this to my parents, who are religious about paying their balance in full as soon as the statement arrives.

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