vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-16 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also r
equest verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, a
nd unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL
Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violations of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPAs strict confidentiality protections. Breach of the Privacy Act of 1XXXX ; My personal and financial information was improperly accessed and shared without my authorization violating my privacy rights under federal law. Violations of Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of contract and negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I opened a savings account with Santander Openbank on XX/XX/XXXX, XXXXWithin XXXX day, after transferring {$500.00} into the account, it was blocked without notice or explanation. 

I contacted customer service multiple times including the first time on XXXX XXXX and was told the account was blocked for security reasons. I also spoke once with a representative from the * * fraud department * *, who informed me the account would be unblocked soon. However, that never happened. 

Since then, every time I have contacted Santander Openbank, different agents have stated that the account is under review by another department and advised me to check again tomorrow. Last time when I spoke on XX/XX/XXXX I was assured that it would be resolved by the end of the business day and their supervisor would return my call by the end of that business day ( I requested it XXXX days prior ). Despite these assurances, the account has remained blocked and their supervisor didnt return my call. 

As of XX/XX/XXXX, I still can not access my funds or use the account. I also requested to close the account, but was told that this can not be done while it remains blocked. 

I believe the bank has unreasonably restricted access to my money and failed to provide clear communication or resolution. I am requesting that this issue be reviewed and that Santander Openbank be required to restore my access and close the account and release my funds. 

Due to blocked access to the account I do not have the account number. 

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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in 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 aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( 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 explanation
Consumer complaint received 2025-10-16 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:
PLEASE BLOCK AND REMOVE. 
This is an inaccurate account and should be deleted promptly. I never approved it. Documentation is provided.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NV

Complaint narrative:
Between XXXX and XX/XX/year>, I made approximately 17 total attempts to resolve this debt by contacting all parties involved the original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX the collection agency Crown Asset Management , LLC ( XXXX ), and their attorneys, XXXX XXXX XXXX XXXX XXXX and XXXX ). Each call either rang without answer or went to voicemail, and none of my messages were returned. 

Despite these repeated good-faith attempts to pay, I received a Summons on XX/XX/year>, listing a balance of {$6700.00}, while my XXXX  credit report shows the balance as {$6200.00}. Prior to the Summons, I filed two disputes with XXXX, explaining that the debt should not remain on my credit report if I was not given the opportunity to pay it. 

After being served, I also contacted the XXXX XXXX XXXX  on XX/XX/year>, to request assistance in resolving this matter and have not received a response. 

I responded to the Summons within a few days of receiving it, after obtaining assistance from the courthouse on how to properly file and serve my response. I also sent XXXX emails to XXXX to request a settlement, both of which were returned as undeliverable. I left voicemails for the attorney on XX/XX/year>, at XXXX p.m., and again on XX/XX/year>, both on the main line and the number listed on the Summons, with no response to date. 

I acknowledge this debt and have been ready to pay the {$6200.00} principal since earlier this year, but I have been unable to reach anyone to make payment arrangements. My only goal is to pay the original balance and resolve this matter fairly, without added attorney fees, interest, or court costs.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This account is not mine and is being reported inaccurately on 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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: OH

Complaint narrative:
I purchased a Sofa from XXXX XXXX it was financed through a company called Koalafi the Sofa was damaged so when I called XXXX customer service they refused to honor the warranty on the Sofa after sending them the requested information. I called Koalafi and informed them of the situation they stated they would reached out to XXXXXXXX XXXX customer service department but there was no response and told me they opened up a case on my account. So Koalafi advised me to do a Voluntary return of the Sofa but still expect me to pay for the Sofa. Which is unfair and outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The account has been paid in full, yet it still displays late payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information reported on my credit file. Upon reviewing my credit report, I identified multiple late payments and account statuses that are either inaccurate or misleading. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$62000.00} ; Date Opened : XX/XX/XXXX ; Reported late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late 60 days XX/XX/XXXX. 
* * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ( tied up ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Reported late 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; late 60 days XX/XX/XXXX ; late 90 days XX/XX/XXXX, XX/XX/XXXX ; late 120 days XX/XX/XXXX ; late 150 days XX/XX/XXXX ( tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00} ( tied up ). 
These late payment notations are inaccurate, unverifiable, or inconsistent with my payment history. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute inaccurate or unverifiable information and request a thorough reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information reported on my credit file. Upon reviewing my credit report, I identified multiple late payments and account statuses that are either inaccurate or misleading. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$62000.00} ; Date Opened : XX/XX/XXXX ; Reported late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late 60 days XX/XX/XXXX. 
* * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ( tied up ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Reported late 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; late 60 days XX/XX/XXXX ; late 90 days XX/XX/XXXX, XX/XX/XXXX ; late 120 days XX/XX/XXXX ; late 150 days XX/XX/XXXX ( tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00} ( tied up ). 
These late payment notations are inaccurate, unverifiable, or inconsistent with my payment history. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute inaccurate or unverifiable information and request a thorough reinvestigation.

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 2025-10-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: LA

Complaint narrative:
I did a background test for XXXX through accurate. Everything came back negative for my XXXX XXXX but XXXX I never did XXXX  day if my life. First time I took test the lady made me XXXX twice bc of my period than say she couldnt take it than I had to wait to come back and take it few days later. I dont do drugs and I knew I had to take a test so I definitely wouldnt. This job was important for me to get so to say I tested negative for everything but that is insane. Im willing to take another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
First of all, I never received a voicemail from Patenaude & Felix stating about they were trying to reach me regarding the debt from XXXX XXXX  XXXX, XXXX and to contact them. I received a letter on the mail dated XX/XX/XXXX which I received on XX/XX/XXXX stating that the office was preparing a lawsuit against me. I called on XX/XX/XXXX at XXXX XXXX  spoke to XXXX XXXX and said she was going to note on the account that I would be doing payments of {$180.00} each month starting XX/XX/XXXX. I received a summon on XX/XX/XXXX and the summon was dated XX/XX/XXXX. As of XX/XX/XXXX I have not received the agreement. I called again on XX/XX/XXXX at XXXX XXXX  and XXXX XXXX return the call at XXXX. I requested for the 2nd time the agreement which I have not received. I have complied with my part and did the payment even though I have not receives the agreement for payment plan.

Company response to consumer: Closed with explanation