vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am disputing the accuracy, validity, and completeness of the tradeline reported by Santander XXXX  USA ( XXXX XXXXXXXX, balance {$9500.00}, marked as repossession/deficiency ). 

Santander has reported this account without providing the legally required documentation under FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) ( 1 ) ( A ) ] and FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ]. I was never provided : Proper notice of default/sale under UCC Article 9 9-611 & 9-614, Validation of deficiency balance, A copy of the original retail installment contract, Complete chain of title/assignment proving legal right to report, or Documentation of past dispute investigations as required by FCRA 611.

Santander has instead continued to furnish unverifiable, inconsistent, and misleading data across bureaus, which violates Metro 2 standards. Courts have consistently held this unlawful : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) CRAs must delete unverifiable data. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX  XXXX ) misleading reporting violates FCRA even if technically accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ) XXXX XXXX data is inaccurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) auto loan repo misreporting actionable under FCRA. 

I have never received a legal method of investigation from the bureaus or Santander. Generic responses do not meet compliance under FCRA 611 ( a ) ( 2 ) ( B ) or 1681i ( a ). 

This account is unverifiable, misleading, and legally unenforceable. Continuing to report constitutes willful noncompliance under FCRA 616617 and FDCPA 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
These student loans should not be applied to my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA
State: NJ

Complaint narrative:
I am disputing XXXX student loan accounts serviced by MOHELA, totaling approximately {$5000.00}. These accounts report late payments and active balances, but I did not receive any meaningful education or benefit from these loans. 

I was enrolled in the associated school for only XXXX  days, and I withdrew immediately due to personal or academic reasons. I never completed coursework, received instruction, or used financial aid funds for educational purposes. 

Despite my early withdrawal, the loans were disbursed, and I am now being held responsible for repayment including reported late payments which are damaging my credit. 

I am requesting : A full investigation into these loans and the disbursement. 

Removal of these accounts from my credit report. 

Deletion of any negative payment history related to these loans. 

Confirmation that I owe nothing, or that the loans will be fully XXXX due to minimal attendance and no educational benefit. 

I believe these loans should be forgiven or closed due to lack of attendance and use, in accordance with federal refund and discharge rules.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-19 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-19 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:
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 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 2025-09-19 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: EQUIFAX, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Hi, I would like to complain about persistent fraud on my AMEX credit card as below : Timeline XX/XX/year> - 1 fraud transactions merchant XXXX XX/XX/year> - 12 fraud transactions merchant XXXX XX/XX/year> - see below The first 13 fraudulent transactions ( XXXX & XXXX ) were identified and communicated on XXXX XX/XX/year> over the phone with both Customer Services and Fraud Team on individual calls ( same day, same call ).

The AMEX card ending XXXX was deactivated immediately and XXXX merchant blocked from all AMEX card transactivity according to customer services/fraud team based on individual conversations had with each.

( Tone of conversation had with Customer Services/Fraud Team : `` I have no idea what XXXX is, they have charged me in non-local currency XXXX XXXX, XXXX XXXX XXXX , I have no understanding or need for this merchant I have not been abroad to any location relating to any of the countries in question, block all activities with this merchant immediately please '' ).

However, despite issuing a new AMEX card, deactivating the old AMEX card and merchant hard block on XXXX we have 4 new instances of fraudulent transactions subsequent to the identification and remedies undertaken on 4th XX/XX/year> : XXXX XX/XX/year> - 4 fraud transactions merchant XXXX  Rather more concerningly, these newly occurring fraudulent transactions took place on the newly issued credit card ending XXXX ( i.e. This AMEX card was newly issued to prevent further instances of fraud going forwards from XXXX XX/XX/year> onwards ). 

Today, XXXX XX/XX/year>, I have been advised by Customer Services/Fraud Team that the merchant block on XXXX never took place as it should have done the previous month, and when they tried to block the merchant today ( like they claimed to have done on XXXX XX/XX/year> ), they were unable to because the fraud team had deactivated the AMEX card ending XXXX earlier the same day in the call prior ; as the customer services team could not authenticate the AMEX card security number ( due to a system level security restriction imposed by the Fraud Team ) .

This is really shockingly seriously poor customer services and shockingly bad systems, controls and governance processes.

I am appalled that this fraudulent activity would persist and then to have it repeat on a new AMEX card that had been issued since this was the identified resolution to prevent.

But for Customer Services and Fraud Teams to not undertake their individual duties to protect customers is obviously the worst issue in my mind, in this case by neglecting to block the merchant as agreed. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

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 2025-09-19 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: MI

Complaint narrative:
This is a subsequent complaint in relation to my complaint against debt collector XXXX XXXX. Since their response to my last complaint, sending the notice of collection via cfpb, I see the account they are trying to collect for is a XXXX account, which is XXXX XXXX. This is a fraudulent account as a result of identity theft. As can be seen in the attached identity theft report, I have never lived at this address nor gave permission for any utilities or any other account at this address. Thus, there is a fraudulent account from identity theft being reported on my credit report which needs to be removed immediately. Further, as previously stated, this company XXXX XXXX failed to serve me notice and give me opportunity to dispute this account prior to it being placed on my credit report. This is against fcra rules. Like I said before, I never received this notice that was submitted through cfpb after it was already placed on my credit report. I never received notice because as can be seen in the attached notice they provided, it was sent to the wrong address. Specifically it was sent to the address that the fraud took place. This is why the company can't provide my signature as proof of receipt for this notice I never received to give me opportunity to dispute prior to this being placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
This complaint doubles as a formal debt validation request to XXXX XXXX XXXX XXXX, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that XXXX XXXX XXXX XXXX is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief