vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
On XX/XX/XXXX I paid off my car loans remaining balance of {$6000.00} this closing my account with Santander Consumer USA. Following this final payment, XXXX, an autopayment company I was enrolled with to make my monthly car payments continued to take payments from my account. I contacted them to let them know my car was paid off and I would like a refund for the money they had taken after XX/XX/year>. XXXX informed me that they had already sent the payment of {$310.00} to Santander Consumer USA and that I would need to contact them to receive a refund. Santander Consumer USA denied this saying they have not received any additional payments for my account. After going back and forward calling both companies XXXX agreed to do a conference call with myself and Santander Consumer USA during which XXXX provided Santander with all of the details and even sent proof of payment to Santander. Santander agreed to offer the refund after this but since then no refund has been received. Ive called them more than XXXX times about this matter and on every call they act as if they are hearing this information for the first time and suggest I try calling back in XXXX days. I first raised this issue with them on XX/XX/year>, today is XX/XX/year>, I have been dealing with this issue for more than XXXX months with no resolution in sight

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a dispute through my credit card company, Capital One against XXXX XXXX XXXX. I have purchased hair products for me and my mother, but the items were received with the caps twisted, with tapes around them, when I grabbed XXXX the pouches it left a bad order in my hands. I have contacted the merchant the same date the items were received to request a return label, but the merchant refused to submit a prepaid return label. When my request was denied, then requested to speak to a XXXX, but the merchant never replied to the last e-mails. Since the merchant stopped communicating with me, I have tried to resolve the issue via the Better Business Bureau and the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, but the merchant kept refusing to return the prepaid label. When I called the credit card company, I did explain the situation to Capiral One XXXX XXXX XXXX, I did tell the dispute department that the merchant refused to provide a return label, also, that customer service stopped communicating with me and I have no other way to resolve this issue. I'm asthmatic and I can't use defective, open products, my mother is 82 years with breathing issues. I did provide pics to Capital one as how the products were received, with caps twisted, open and with tapes around. I did provide copies of the conversation with the merchant, and my last e-mails that replies were not received. I just need Capital one to credit my account permanently, the {$68.00} credit it back to my account. The products are home, ready to be sent back to the merchant, but the merchant keeps refusing to submit a return label and to provide a refund. My Capital One case number is XXXX, Capital One address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. Please help me to get my credit card account permanently credit of {$68.00}. See attachments, all the documents attached were submitted to the credit card company. If you need more information, please contact me. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
Afni, XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX. Total amount of the debt now : {$100.00} XXXX XXXX with account number XXXX ( www.verizonwireless.com/paymybill ) which doesn't exist. 
Also I closed my account on time after using it for XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied for a Chase mortgage loan to purchase a property in XXXX at ZIP XXXX with a 5 % down payment. The loan was in process for 30 days and was scheduled to close on XX/XX/year>. On the day of closing, Chase abruptly declined the loan. The reasons provided were inconsistent, inaccurate, and in XXXX case based on an underwriting error that I can prove. 

My loan XXXX, XXXX XXXX, was persistently unresponsive, answering only about XXXX in every XXXX emails for all the 30 days. Chase also told me they had been contacting my HOA for the lender questionnaire for weeks. My XXXX confirmed they were first contacted only XXXX day before closing. 

XXXX weeks after the failed closing I learned of a major error in underwriting. The HOAs returned questionnaire clearly stated XXXX units are owner occupied and XXXX are rented. I have a copy. Chases internal certification reversed the figures to XXXX owner occupied and XXXX rented. This incorrect data was used to claim the condo project was ineligible under XXXX XXXX XXXX XXXX which was false. Blatant lie. 

On the day of closing, Chase also told me my collateral was not sufficient because I was only putting down 5 %. Chase knew my down payment percentage from the beginning, so this last-minute reason was not credible. Afterward, I was assigned a Chase point of contact who simply read from a script, stating my file had been internally reviewed with no errors, while refusing to address the documented evidence of mistakes. Proof that I actually have with me was not given a look at. 

Why this is a problem Chases handling of my loan was negligent and misleading. They failed to act on information I provided, misrepresented communications with my HOA, and used inaccurate data to deny my loan. This mishandling directly caused me to lose my purchase, forced me to relocate at additional expense, and caused financial loss. 

What I want XXXX of the {$650.00} appraisal/deposit fee Chase collected XXXX 

Reimbursement for additional documented expenses caused by the failed closing ( e.g., relocation or contract extension costs ). 

A corrected written project certification using the true occupancy data and an acknowledgment of the underwriting error. 

A clear written explanation citing the exact guideline and evidence Chase relied on to deny my loan. 

Supporting documents I can provide XXXX questionnaire showing XXXX owner-occupied / XXXX rented Chases certification showing the reversed figures Email thread with my loan XXXX Conditional approval and denial communications Proof of {$650.00} fee payment Documentation of relocation costs

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I want to be absolutely clearthis complaint is not a mistake. My credit report contains significant inaccuracies that are unacceptable and must be addressed immediately. These errors are having a serious negative impact on my life, and their continued presence is causing unnecessary hardship.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Cashing a check drawn on a bank should not be accompanied by a fee. Extorting someone into opening an account to avoid a check cashing fee should be criminal, and leads to people opening unused accounts that can facilitate financial crimes. 

XXXX XXXX went through this fake account opening scheme but US Bank forcing people to pay a fee to cash a US Bank check, or open an account to avoid the fee, should be criminal.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I made an urgent payment through XXXX XXXX at XXXX a.m. to GM Financial in the amount of {$460.00} to avoid charge off of the account. GM Financial received the payment the same day. Despite this, the account was coded as a charge-off on XX/XX/year>, before my payment was applied. 


The last notice I received from GM Financial was on XX/XX/year> via email stating my loan would be charged off in XXXX business days. This did not state an exact amount or provide a specific deadline. GM Financial treated the account as charged off prematurely and now considers it out for repossession. 


I spoke with GM Financials Loss and Recovery team multiple times to resolve this, but they offered no solution. They also informed me that Saturday was considered a business day at GM ( although that was never stated prior ) and the amount required was more than my monthly payment, which has also never been the case. I reached out to GM Financial Customer Service after this for some guidance and they recommended that I escalate to upper management, where I have also been unable to obtain a clear response. 


I requested that GM Financial reverse the premature charge-off, reinstate my account to reflect my XX/XX/year> payment, and correct any inaccurate credit reporting tied to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

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. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Representatives ( I spoke to many different ones ) none of them provided me with the information I needed nor did I receive a debt validation letter or option to dispute my debt

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 2025-09-12 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: FL

Complaint narrative:
I am disputing inaccurate information being reported by Equifax and Experian regarding my student loan account with XXXX XXXX. 
On XXXX, this account has already been updated to Current as of XX/XX/2025. 
On Equifax and Experian, the same account is still inaccurately showing as 120 Days Late. 
This reporting discrepancy is harming my credit score and does not reflect the creditors current records. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax and Experian are required to conduct a reasonable reinvestigation of disputed items. I am attaching proof of my XXXX  report showing that XXXX has updated this account to Current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Fair Collections and Outsource is reporting an eviction account on my XXXX XXXX XXXX credit reports that is inaccurate, unverified, and not my responsibility. I have disputed this account in writing with a notarized dispute letter, yet the account continues to be reported. 

The reporting of this eviction violates XXXX XXXX standards because : The account is not verified or validated as required. 

The reporting is incomplete, inaccurate, and misleading. 

XXXX XXXX requires accurate reporting of public record and collection accounts, which this account fails to meet. 

This furnisher is also in violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ( a ) ), which requires maximum possible accuracy and prompt correction of disputed information. 

Because the account is unverified and inaccurate, its continued reporting is harming my creditworthiness. I am requesting the CFPB require an immediate investigation and permanent deletion of this eviction account from my XXXX XXXX XXXX credit Report Fair Collections and Outsource has contacted me multiple times regarding this eviction account, including by phone and/or email. I can not recall the exact dates, but these repeated attempts constitute harassment under FDCPA 805 ( c ), especially given that the account is unverified, inaccurate, and disputed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: AR

Complaint narrative:
Balance and Status Discrepancies : The reported balance and charge-off status are inconsistent with my records. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report complete and accurate information ; this entry appears incomplete and/or inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I was a customer of Relay until my account was unexpectedly closed. I had a balance in the account well over $ XXXX and was expecting my funds to be returned through issued checks. 

What happened Relay issued only one check, but three others remain missing. Despite repeated follow-up, it has now been two months with no resolution. This has caused significant financial disruption and losses for me. I am now XXXX XXXX in debt because of this When it happened The account closure and first ( and only ) check issuance occurred around XXXX. Since then, I have been waiting for the remaining checks for over two months without success. 

What outcome youre seeking I am requesting immediate issuance of the three missing checks so that my full balance can be returned without further delay. I also request a confirmation of mailing details and tracking to ensure there are no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I have approved for XXXX in a personal line of credit from upgrade. They allowed me to use the XXXX I needed. They told me back in XXXXXXXX XXXX XXXX that they checked my credit took away my remaining credit line of XXXX and reduced it to XXXX causing my credit report to show that I'm over my credit limit by XXXX. I attempted to fight it then but i was ignored and pushed around. I continued to make my payments. I paid my bill on time every single month for 3 years, I'm asking for a reduced interest rate today to finish paying my remaining balance of XXXX and they are telling me no. They are using internal verbiage that I do not understand. Telling me there is no one to talk to, email or write a letter to, to inquire a lower rate. Im bring told it is only offered. If its not offered by a 3rd party via email then I have no options. This is a predatory company. I regret ever getting this card or getting involved in this company. The need to use language that citations can understand and actual explain what is going on with people 's accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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