vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> i urgently purchased international airline ticket XXXX on XXXX XXXX and paid {$590.00} by debit card. Money charged, ticket confirmed. 
On XX/XX/year> i came to check-in counter and found that ticket was cancelled because airline have not received my money. Airline blamed Capital One bank because bank not given money, bank blamed airline because authorization was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-06 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$130.00} XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$130.00} 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 3 times XXXX XXXX times XX/XX/XXXX XXXX XXXX times My identity has been stolen. I put a freeze through all 3 credit bureaus and the fraudster continue to unfreeze them.

Synchrony Bank Credit card services is allowing credit cards to go through in my name. They are telling me they have " no system '' to stop this from happening. I have spent hours on the phone with them as they continue to allow credit cards to be opened in my name.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I have a lease through Santander, I have setup auto payment several times and it never works, the reasons I have been told and tried - you need to set it for the right date, it automatically sets itself to the wrong date- why would it do that?????

- you need to have a zero balance, the late fees you have need to be paid- for what reason??? The late payment is because you wont take the payment automatically! 

Alongside I asked them to contact BEFORE the payment is due so I remember, they refused. 

And finally on times when its easy to make the payment like weekends the system is down or wont take payment. 

Its clear that they are being predatory with there process to increase the money they make from late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: IL

Complaint narrative:
Personal information being shared outside in my knowings and over drafts being taken when I didnt have direct deposit set up for it to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am writing to follow up on my previous dispute concerning several inaccurate and unverifiable accounts currently reported on my credit file. Despite my earlier request for a reinvestigation, I have yet to receive any documentation verifying the accuracy of these items or a conclusive response detailing your verification methods.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous dispute concerning several inaccurate and unverifiable accounts currently reported on my credit file. Despite my earlier request for a reinvestigation, I have yet to receive any documentation verifying the accuracy of these items or a conclusive response detailing your verification methods.

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 2025-05-06 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ).

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of identity theft and did not authorize or make the disputed charges. I respectfully request that these charges be removed from my account. 

Pursuant to 18 U.S.C. 8, I owe no debt related to these transactions. Additionally, this company is violating my consumer rights to privacy under 15 U.S.C. 1681b ( 2 ). Furthermore, the company does not have my permission to report any information using my personal details, as outlined in 15 U.S.C. 1681 ( 4 ).

I trust you will take immediate action to resolve this matter in compliance with the law. Thank you for your attention.

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities.

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services has incorrectly reported the status of a vehicle lease that ended in XX/XX/XXXX. Vehicle returned in XX/XX/XXXX at lease end. A turn-in balance was calculated and I refused to pay lease-end expenses until BMW Financial Services returned over {$550.00} in unused extra miles purchased but not used from the last vehicle lease as they committed. Since XX/XX/XXXX through XX/XX/XXXX, BMW has been reporting to the credit bureaus that I have paid according to terms. Finally in XX/XX/XXXX, BMW decided to charge-off the small balance owed. I disputed the more than XXXX year delay and as a result, BMW then responded by incorrectly reporting the charge-off in XX/XX/XXXX. That caused my XXXX score to drop XXXXXXXX XXXX  in two days! The XX/XX/XXXX date coincides with the date of their response to my dispute and without carefully and accurately updating the credit bureaus, they inserted XX/XX/XXXX. Second major issue is that the first reported delinquency in which there was not recovery to current status was XX/XX/XXXX and therefore the entire derogatory should have fallen off my report on XX/XX/XXXX. With the charge-off reported so far beyond delinquencies, that pushed the fall-off date to XXXX ( using XX/XX/XXXX last reported date ), or XX/XX/XXXX ( using the actual charge-off date of XX/XX/XXXX ). both of these dates include the XXXX ( XXXX ) year period between the first delinquency date and the charge-off date without any justification or explanation for the years long delay. That means this derogatory would remain on my credit report from XXXX to XXXXXXXX a whopping fourteen ( 14 ) years. Simply an abuse by BMW Financial Services and their inaccurate reporting on multiple data points. Lastly, BMW caused a duplicate derogatory mirroring the above account as a result of one data point mis-reported and causing two delinquency accounts when there was only one. That took many months of my time and energy to get that BMW reporting error removed. As you can see, BMW Financial Services has been very sloppy in their reporting causes great financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
In XXXX I made a payment to the trustee for a reinstatement on my Mortgage with Shellpoint of XXXX I sent more than the reinstatement stated to have a cushion. The reinstatement included all behind payments including escrow and the legal fee 's. On XX/XX/year> I was issued a Mortgage statement with a {$0.00} balance and a letter saying my payment would be due for {$630.00} on XX/XX/year>. A month later I get a statement with a balance of {$6500.00} due on XX/XX/year> charging legal fee 's, appraisal ( no one ever went to my home ) and other fee 's they did not know how to explain them. When I called to make my XX/XX/year> payment as the letter stated they could not except it because I was short and my new balance was {$7200.00}. now adding county Tax and other charges. I spoke to them and told them I was very confused since the reinstatement letter was issued directly from the Trustee and the payment was sent to them how did all this accumulate and I had given extra to avoid these crazy balances. They finally excepted my payment and said they had escalated to get this resolved. 
When I call to make my XXXX payment now my new balance is {$1300.00} and would again say I was short and could not except it. My payments are {$320.00} already including my escrow. I was told they would put it in a draft since its not the complete amount and would look into it. 
XXXX payment was the same issue and was told Now that I was short in escrow for the amount of {$1900.00}, again all this was on my previous reinstatement letter from the Trustee ( trustee assured me they received the charges from Shellpoint in order to make the reinstatement letter ). XXXX was the same issue now with a balance of {$3200.00} and would again not except my partial payment. XXXX {$9000.00}, and the current balance is now {$12000.00} they only put my payment because I insist but they are saying my monthly payments are now {$3100.00}. Im at risk of going into foreclosure again, this is what they did the last time, I can not come up with the money just because they are saying. I feel violated and everytime I call im just pushed around. Please help me I don't know what to do anymore, I can't loose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
XX/XX/year>2025 Subject : Formal Dispute of Inaccurate/Unverifiable Accounts under FCRA Sections 609 ( a ), 611, and 623 To Whom It May Concern, I am writing to dispute multiple inaccurate or unverifiable items listed on my Experian credit report ( Report No. XXXX ), generated on XX/XX/year>2025. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 ( a ), 611, and 623, I am requesting a reinvestigation and immediate deletion of all accounts that can not be verified with original signed contracts and documentation from the data furnishers.

Failure to provide evidence of contractually binding agreements and lawful debt ownership constitutes a violation of federal law. If you can not provide this information, you are required to delete these accounts from my credit file within 30 days. 

The accounts in dispute include : - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - DEPT OF EDXXXX Acct. 
- 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 Please provide written confirmation of the results of your reinvestigation, and remove any account that can not be substantiated. If not corrected within 30 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal options. 

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 2025-05-06 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: GA

Complaint narrative:
I'm writing to dispute a fraudulent account that has been reported under my name and appears on my credit report. This account is the result of unauthorized use of my identity, and I had absolutely no involvement in opening or using it. Let me be clear : I did not authorize this account, and I had no knowledge of it until reviewing my credit file. This is identity theft, plain and simple, and I will not be held responsible for someone else 's actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am writing to formally dispute an incorrect address that appears on my credit report. The address in question is not associated with me and appears to be reported in error. 

The incorrect address listed is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX My correct and current address is : XXXX XXXX XXXX XXXX XXXX Ga XXXX Please investigate this matter and remove the incorrect address from my credit file. This misinformation may be the result of a clerical error or a case of mistaken identity, and I would like to ensure that my credit file accurately reflects my personal information. 

Enclosed are copies of the following documents to support my request : A copy of my government-issued ID

Company response to consumer: Closed with non-monetary relief