vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found this specific collections account on my credit report that was not open by me. This has been hurting me as I am in the process of buying a home for my family. I have not been contacted or warned of any debt by the debt collector " XXXX  XXXX XXXX XXXX '', I only found out of this debt collector due to me receiving a credit alert. I have been very attentive to my credit report checking my alerts through credit monitoring at least 3 times a week! I was just preapproved to purchase my family a home and now this disaster has happened. Please remove these fraudulent accounts from my credit report as soon as possible. 
Listed on my Transunion, Experian, and Equifax report the original creditor is XXXX XXXX XXXX, the collection agency listed is XXXX  XXXX XXXX XXXX the account number to reference is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been a victim of identity theft. Despite multiple previous attempts to dispute and resolve this matter, fraudulent accounts and inaccurate information continue to appear on his credit reports with XXXX, XXXX, and Equifax. 
The following actions were taken without my knowledge or authorization : Fraudulent Credit Accounts : XXXX Account # XXXX Opened : XX/XX/XXXX  Balance : {$5900.00} Reported as : Closed - Consumer Request I denies ever opening or authorizing this account. 

XXXX Account # XXXX / # XXXX Opened : XX/XX/ Balance : {$3700.00} Status : Late 90-120 Days These accounts are entirely fraudulent and were reported to the FTC. 

Unauthorized Personal Information Listed on Reports : Incorrect aliases : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Fraudulent address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX employer XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unauthorized credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are causing significant harm to XXXX XXXX credit standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which entitles consumers to accurate and fair credit reporting. 

Actions Taken : Filed a formal FTC Identity Theft Report ( Ref. # XXXX ) Requested initial fraud alerts be placed on the credit file Submitted written disputes to all three major credit bureaus with supporting documentation, including a state-issued ID and the FTC report No appropriate resolution has been provided by the credit reporting agencies Requested Resolution : We demand immediate and permanent removal of all fraudulent accounts, inquiries, aliases, and addresses associated with the identity theft listed above. In accordance with the FCRA, I requests full reinvestigation and deletion of any unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the afore mentioned 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 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 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 2025-05-16 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: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of the account SANTANDER BANK N.A. with number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. According to your records, the account is listed as CollectionOrChargeOff, opened on XXXX, with the date of last activity shown as XXXX, and last verified on XXXX. This information is incorrect, and I demand that this account be deleted from my credit report. 
The Fair Credit Reporting Act, under 15 U.S.C. 1681s-2, mandates that credit reporting agencies maintain accurate information. Therefore, I request that you provide the documentation and verification used to confirm this accounts accuracy, as well as proof of the {$18000.00}, which I dispute. 
The need for accurate reporting is clearly outlined in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), where the court held that credit reporting agencies are responsible for ensuring the accuracy of consumer reports and must correct or delete inaccurate information promptly. 
Additionally, in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that a failure to maintain accurate information constitutes a breach of duty, further emphasizing the responsibility of credit agencies to act on disputes raised by consumers. 
Given these precedents, I expect Credit Bureaus to take immediate corrective action.I have listed the concerns I have about your reporting in this document. It is not complete and does not meet my standards. According to the law, the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance.correct, complete, and timely manner as to not violate my consumer and civil rights. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-16 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Lien release
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I have a arbitration class action dispute moving along with pre arbitration notice of dispute. I have a class action data breach from the documents releasing my credit report showing a Santander account hack from XXXX as corporate manager. I have the compromised lien and the lease was sold to a market subscriber of a class action lawsuit from XXXX. I sent a flagged down data breach with information pertaining documents to sue for class action lawsuit. My XXXX  account was hacked from XXXX. According to the XXXX XXXX XXXX XXXX  our account was hacked and our property was sold out from a data breach lien reversed mortgage pay off subsidiary from XXXX XXXX XXXX. There has been a Corporate manager meeting with the bank about the data breach and beings sued. I want to file a breach of contract with my XXXX XXXX account XXXX XXXX  There is a criminal cyber security hacker using my name from Santander bank to compromise my data on XXXX XXXX  XXXX  XXXX  from my bank account with XXXX XXXX. Saying it was hacked with XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a Bank of America XXXX  with the credit limit. Bank of America sent me an offer to open a XXXX. I called three times to make sure this was OK as specific questions and open the account online. I was granted {$9000.00} credit limit on the new XXXX immediately later, I get the attached letter in the mail stating that they lowered the credit limit on my original XXXX XXXX. I had no idea this was gon na happen. I asked every question I could think of discounted as a hard inquiry for my credit score And I feel that they should've been upfront. I called numerous times to ask when I was told this nobody could find it finally a sales member found it imported the disclosure. It was very deeply hidden and impossible to understand. I find them to be deceitful so they basically gave me a {$9000.00} credit limit for a new card but reduce the credit limit on my old card unbeknownst to me

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 2025-05-16 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:
It was a account that was not supposed to be in my credit file

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 2025-05-16 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint is being submitted under FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requesting that the Experian credit reporting agency block the following fraudulent accounts from my consumer credit file within four business days : An auto loan account with XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts are not mine and were not opened or initiated by me in any way. I have provided documentation including a copy of my consumer FICO credit report showing these entries and an FTC Identity Theft Report # ( private case number ) confirming that all of these accounts are fraudulent.

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 2025-05-16 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-16 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: IL

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC 1681g, I formally request that they be deleted within 15 days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format developed by the Consumer Data Industry Association ( CDIA ) . 

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : Date of Birth : XXXX  SS # : XXXX Per Metro 2 and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

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 2025-05-16 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: MI

Complaint narrative:
I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Reporting Format developed by the Consumer Data Industry Association ( CDIA ) . 

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Michigan XXXX Date of Birth : Date of Birth : XXXX  SS # : XXXX Per Metro 2 and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

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 non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation