vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention, my personal information has been exposed in a national data breach. After. reviewing my credit reports, I noticed some accounts I am not. familiar with. I have asked the CRA 's for a validation of debt, however the information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the proof that my information was exposed in the Equifax national data breach, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Mohela has been charging interest on my student loans even though they have been in forbearance with a 0 % interest rate since XXXX. My statements reflect the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

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 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 2025-05-20 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: TX

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 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
In XXXX of XXXX, I financed a vehicle through Santander Consumer USA. I later entered a XXXX  XXXX bankruptcy repayment plan, and the auto loan was included and fully paid through the court-approved trustee disbursements. The case was completed, all payment disbursements made, and discharged in XXXX. 

As of XXXX XXXX  years laterthe Wisconsin DMV still lists Santander as the lienholder on my vehicle title. I contacted Santander multiple times over the years since XXXX, and after repeated phone calls, I was finally instructed to submit proof of ownership and discharge, which I did via email on XX/XX/XXXX and XX/XX/XXXX. 

I submitted the following : - Official DMV record showing Santander still listed as lienholder - XXXX  XXXX Trustees Certification of Completion - Final court order discharging and closing the case Despite this, Santander has failed to respond or release the lien as required by law. I have received no follow-up, resolution, or explanation yet again. 

This delay has directly impacted my mental health but most importantly my ability to sell or trade the vehicle and has caused significant emotional distress. Santanders failure to release the lien constitutes possible violations of consumer protection laws and Wisconsin bankruptcy discharge statutes.

I am requesting immediate CFPB intervention to compel Santander to issue a formal lien release, correct the title record and send the title to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am unaware of any such debt and do not recall receiving any notice regarding this account. Under 15 U.S. Code 1692c, you are prohibited from engaging in communication with a consumer at unusual or inconvenient times or places, and without proper prior notice. I believe your communication and reporting of this alleged debt are in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I did not receive proper notification or an opportunity to dispute the debt within the timeframe required by law. 

If you believe you have properly notified me, please provide documentation proving such notice was sent via certified mail, including a return receipt with my signature. If you can not provide this documentation, I demand that you immediately remove account # XXXX from all credit reporting agencies and cease any further communication or collection efforts regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt. The information on my report was updated and not 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-05-20 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:
This child support account XXXXXXXX XXXX XXXX XXXX XXXX has been officially closed by the court. Additionally, you are reporting an inaccurate balance with TransUnion reporting {$4900.00} and both Experian and Equifax reporting {$9500.00}. Attached are copies of the letters I previously sent to XXXX and the XXXX of the Attorney General on XX/XX/year>. Following those submissions, XXXX removed the account, and the court confirmed that it does not publicly report child support information to the credit reporting agencies. Given this information and the actions already taken by other bureaus and entities, I am requesting that you promptly remove this account ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) from my credit report as well.

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 2025-05-20 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: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
In XXXX XXXX, I visited a car dealership to inquire about auto financing. I authorized a single credit inquiry to check for loan approval. However, I later discovered that over 10 hard inquiries were submitted to various lenders within a very short timeframe all without my knowledge or proper disclosure. 

I was not informed that my information would be sent to multiple third-party lenders, nor did I sign individual authorizations for each inquiry. This kind of shotgun financing tactic is not only deceptive, but it also has a damaging impact on my credit profile. These inquiries were made without my full understanding or direct consent, which violates the FCRAs requirement for permissible purpose. 

I am requesting a full investigation and removal of all unauthorized or excessive inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX XXXX XXXX for JPMCB CARD - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
After CFPB closed the investigation, TRANSUNION and retaliated against me for filing a report with CFPB. I have no new accounts, no new inquires. And TRANSUNION XXXX points after CFPB closed the alleged investigation.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, I discovered that TransUnion, in conjunction with XXXX the Department of Education 's loan servicer, retroactively altered the payment history on my federal student loans. These accounts were previously reported as current from XX/XX/XXXXXXXX  through XX/XX/XXXX, but were changed to 90120 days late in XX/XX/XXXX, despite no payments being due and no notifications of delinquency ever issued. This reporting is : Factually inaccurate, violating 15 U.S.C. 1681e ( b ) ( FCRA maximum possible accuracy ), Unverifiable, violating 15 U.S.C. 1681i ( FCRA duty to reinvestigate ), Illegally furnished education record data, violating FERPA ( 20 U.S.C. 1232g ), since the underlying loans are federally funded and protected as education records, Noncompliant with Metro 2 standards, since payment deferments or {$0.00} payments were active during the disputed period, and In breach of TILA ( 15 U.S.C. 1638 ) and ECOA ( 15 U.S.C. 1691 ), due to the absence of proper delinquency or adverse action notices. I have already filed a formal FERPA complaint with the U.S. Department of Education, My State Attorney General and will also be filling a complaint with the SEC. I am requesting the CFPB to immediately investigate and compel TransUnion and XXXX to remove the late payment delinquency from my FICO consumer report ; Provide evidence of verification or furnish legal justification for the reporting ; Cease and desist from further unlawful reporting practices. This inaccurate reporting is materially harming my FICO score and access to credit which is causing a great hardship in my life. I am demanding full correction and regulatory enforcement.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I am filing this formal complaint against Credit Acceptance Corporation ( CAC ) for serious violations of federal law, specifically concerning inaccurate credit reporting and failure to provide a deficiency balance statement. CAC is reporting a balance on my credit report without updating or providing me with a deficiency statement, nor any documentation explaining how this balance was calculated after vehicle was, sold, or otherwise disposed of. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information like Credit Acceptance is legally obligated to report accurate and complete information to credit reporting agencies. The failure to provide me with a deficiency balance statement constitutes a violation of this provision, as the reported balance is both inaccurate and incomplete. 
Additionally, under FCRA 1681s-2 ( b ), once a consumer disputes information on their credit report, the furnisher is required to investigate the dispute, correct any inaccuracies, and notify the consumer of the results. To date, I have not received any response from Credit Acceptance regarding this matter, nor have they provided me with the legally required documentation. 
This failure to provide a deficiency statement and the continued reporting of inaccurate information is causing significant harm to my credit score and financial well-being. I demand that Credit Acceptance resolve this issue within 15 days or this account should be removed from my credit report. 
If this matter is not addressed within the given time frame, I will have no choice but to take further legal action. This may include filing complaints with state and federal agencies, pursuing claims for damages under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and the FCRA, and seeking legal counsel for additional remedies. 

I trust that this matter will be handled promptly and in full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood closed my account without my consent and I have no way to take out my remaining money. Please help. This is illegal.

Company response to consumer: Closed with explanation