vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 2025-04-02 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I ended up in the hospital for XXXX XXXX XXXX XXXX. Before this experience, I applied for governmental medical insurance and received it ; somehow, the insurer didn't honor the coverage, and the hospital came after me. The hospital reminded me of the debt, which I said was the insurer 's responsibility. The hospital asked me to get on payment arrangements. I couldn't afford any payment then, so it went to collections. Due to that debt on my credit, it interfered with finding jobs to help pay the debt and secure my livelihood. An illness and medical debt should not be hindrances to economic security, so I had to work 1099 jobs, and it was just enough to cover the basics. I shared my concerns with the hospital, collection agency, and XXXX. I have been fighting this battle with XXXX for over two years, complaint after complaint. I just learned that the last administration enacted the Debt Medical Relief Act law on XX/XX/year>. I wrote a letter to XXXX and Aargon Collection Agency about the law. The Aargon Collection Agency supervisor told me that President Trump was in office now and the debt would remain regardless of the law. I couldn't believe her words and found them to be uncouth. Also, XXXX told me to file a complaint with the CFPB because they weren't going to do anything. The arrogance of both agencies is unacceptable, so here I am filing the 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 2025-04-02 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: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
What happened? 
***Please see attachment**** On XX/XX/XXXX, my vehicle was repossessed by Santander Consumer USA without proper notice, due process, or a fair opportunity to cure the alleged default. This repossession occurred at my residence without my consent or any judicial action. The vehicle was taken in breach of consumer protection laws, and this wrongful repossession has since been reported to the credit bureaus, severely impacting my creditworthiness. 

I am filing this formal dispute because : Violation of UCC 9-609 ( b ) ( 2 ) : Santander repossessed my vehicle at my home without judicial process, and without my consent, violating the Uniform Commercial Code which allows self-help repossession only if it can be done without a breach of the peace. The manner of repossessionon private property, without notice, and with intimidationwas an unlawful breach. 

Violation of 15 U.S. Code 1692f ( FDCPA - Unfair Practices ) : Their conduct in repossessing the vehicle constitutes an unfair or unconscionable means to collect a debt. No proper documentation or final warning was given before the seizure. 

Failure to provide a meaningful opportunity to cure the default under state law, and a violation of Truth in Lending Act ( XXXX ) requirements for clarity in loan terms and repossession remedies. 

Wrongful credit reporting post-repo in violation of 15 U.S. Code 1681s-2 Furnishers of Information to Consumer Reporting Agencies . Santander failed to report the disputed nature of the tradeline after being notified, which is a violation of the FCRA.

Additionally, Santander Consumer USA has a well-documented history of predatory auto lending, which resulted in : A {$550.00} million settlement with 34 states ( XXXX  ) over deceptive loan practices. 

Accusations of targeting subprime borrowers with unfair loans destined to fail. 

Violations cited by the Consumer Financial Protection Bureau ( CFPB ), Department of Justice, and numerous class action lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
{$1100.00} USD XX/XX/year>. Money Sent After signing up, he just sent me some freely available online materials like XXXX videos and XXXX XXXX XXXX  that anyone can find. But thats not even the worst partwhats truly predatory is that after dumping these materials on me, he offer XXXX follow-up support. Its basically self-study from there. I end up paying a XXXX just to get a pile of free resources. When I tried to cancel and request a refund, they flat-out refused and ghosted me entirely! 

As others have exposed, his so-called " projects '' are laughably basiclike XXXX XXXXXXXX message queuesyet he claims I can list these on my resume as proof of " mastering distributed systems. '' Its utterly worthless for the price. The instructor clearly has no understanding of the North American job market. Their resume " editing '' services are equally shallow. Despite claiming to be a XXXX engineer, he's now running this full-time scam disguised as a " career training program. '' The service blatantly misrepresents itself, bordering on fraudulent behavior. 

After signing up, he just sent me some freely available online materials like XXXX videos and XXXX XXXX XXXX that anyone can find. But thats not even the worst partwhats truly predatory is that after dumping these materials on me, he offer XXXX follow-up support. Its basically self-study from there. I end up paying a XXXX just to get a pile of free resources. When I tried to cancel and request a refund, they flat-out refused and ghosted me entirely! As others have exposed, his so-called " projects '' are laughably basiclike XXXX XXXX message queuesyet he claims I can list these on my resume as proof of " mastering distributed systems. '' Its utterly worthless for the price. The instructor clearly has no understanding of the North American job market. Their resume " editing '' services are equally shallow. Despite claiming to be a XXXX engineer, he's now running this full-time scam disguised as a " career training program. '' The service blatantly misrepresents itself, bordering on fraudulent behavior. 

PayPal closed the case in the sellers favor as the item wasnt damaged. But in reality, the seller did not make a service commitment and even evaded responsibility without responding directly. PayPal did not carefully review my information and evidence, resulting in unfair sentencing and unconvincing case handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: FL

Complaint narrative:
First credit services opened on XX/XX/XXXX XXXX says that I still owe which I do not after talking to crunch directly and It is off of my XXXX but still on my XXXX. 

First credit services opened on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2 - a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed " return and receipt mailed to ALL XXXX of the credit reporting agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent information in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$XXXX} usd per month per illegal reporting. if these accounts aren't removed.

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 2025-04-02 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A - i have the RIGHT TO PRIVACY.

15 U.S.C 1681 Section 604 A section 2 - a consumer credit reporting agency can not furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S. Code 1681c2 - a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I have properly certified mailed " return and receipt mailed to ALL XXXX of the credit reporting agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent information in which i never gave written instructions to anyone to open or report in my name, has violated my rights. 

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$XXXX} usd per month per illegal reporting. if these accounts aren't removed.

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 2025-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Not sure of the dates because they've been calling non-stop for the last two and a half months every day when I answer and go over everything everything goes good except for when I asked for a copy of everything we went over I did not make the first payment because he said he couldn't provide me with a statement saying that I made a payment which I don't get because you always get some type of documentation back after a payment

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been a victim of the XXXXXXXX XXXX XXXX XXXXXXXX breach, as a result there is fraudulent activity on my credit report with Equifax. I've have hard inquiries & new transactions on my credit profile without my authorization. 15 US CODE1681 ( 2Xi ) 15 U.S. CODE 1666b 12 CFR 1026.13

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a victim of the XXXX XXXX XXXX data breach, as a result there is fraudulent activity on my credit report with Equifax. I've have hard inquiries & new transactions on my credit profile without my authorization. 15 US CODE1681 ( 2Xi ) 15 U.S. CODE 1666b 12 CFR 1026.13

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 2025-04-02 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:
XXXX XXXX, XXXX : XXXX DOB : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the TransUnion 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 a personal loan account opened at XXXX on XX/XX/XXXX under account number # XXXX. This account has resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection, or hard inquiry as reported. The aforementioned account, collection, and hard inquiry appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and hard inquiry are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US 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 explanation
Consumer complaint received 2025-04-02 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 am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT from my credit report. 
ACCOUNT : XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started a dispute through XXXX XXXX for Transunion on XX/XX/year> for an account named XXXX XXXX the dispute has not been resolved and it is now XX/XX/year> I want this account account removed thank you

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 2025-04-02 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: MI

Complaint narrative:
I am filling this complaint because XXXX has repeatedly failed to comply with their legal obligations under the fair Credit Reporting Act ( FCRA ) to verify the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Specifically, they have violated : * 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report/ * 15 USC 1681s-2 '' Negligence in ensuing the furnishers of information comply with their obligations. 
* 15 USC 1681i ( 5 ) '' Failure to properly reinvestigate disputes and remove inaccurate information.

* 15 USC 1681C ( C ) : Inclusion of obsolete information in my credit report. 

I have sent multiple dispute letters to Transunion, but they have either failed to conduct proper investigations or reinvestigation or outright ignored the evidence i provided. 
To make matters worse, which highlights that Transunion has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 
This issue has significantly impacted my ability to access credit, housing and employment opportunities, causing me financial and emotional distress. 
Specific Details : XXXX. XX/XX/XXXX - I sent a letter disputing [ Verifiable Proof ( an original Consumer Contract with my signature on it ). 
Transunion sent letter stating that the accounts are verified and updated without requested information provided to me. 
2. XX/XX/XXXX - I sent a second letter for reinvestigation. 
No response from Transunion. 
XXXX. XX/XX/XXXX - I send the third letter asking Transunion to comply to the FCRA, Got response from Transunion stating that they already investigate and the account in questions are verified and updates. 
4. I sent the fourth letter to Transunion. 

As a result of Transunion 's non-compliance * My credit score remains inaccurate, affecting my ability to [ get a loan. secure housing. etc. ]. 
* I have been subjected to undue stress and financial hardship. 
Requested resolution for the following accounts : 1 ; Require XXXX to fully investigate and correct the inaccuracies in my credit report. 
2. Impose penalties on Transunion for non-compliance with FCRA provisions.

3. Ensure that Transunion implements proper procedures to comply with their obligations. 

I am attaching all relevant documentation to support my claim including * Copies of my letters * Identity thief 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
A request of debt validation claim was sent to this company requesting XXXX, Assignments contract XXXX. ) Full detail list of payment history XXXX. Insurance claims found in this contract XXXX. ) Prove chain of title according to the contract per15 USC 1692G

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation