vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
The company wants me to pay the debt of {$8600.00} when originally, they sent a letter in the mail stating that they would settle for {$450.00}. Additionally, when I disputed the debt they didn't even provide an accurate date of our last verifiable payment. I attached the dispute letter and on page XXXX highlighted the inaccurate date reported. The year of the last payment of the debt is not reported accurately. 

The company is Santander Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-12-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I lost my job XXXX XXXX and I am a single mother of XXXX small children and trying to look for jobs. My car company MCMC knows that I am struggling as I have let them know numerous times. They continue to text me daily like today XX/XX/25 about being a day late and right now I owe a little over XXXX and I told them that I havent gotten paid and they told me to borrow from someone or what have you. This company is not a company that has compassion for human kind and constantly harassing me about payments when I am doing my best. I even lost my mom in XXXX and they kept texting me while I was trying to get her to rest and at peace. Again, this company is horrible and not friendly to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: 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 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 2025-12-03 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: 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 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all XXXX  major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MO

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested my consumer file from XXXX ( LexisNexis Risk Solutions ) on XX/XX/XXXX. They asked me multiple questions. I answered them, and they reported that I successfully verified my identity and that I would receive my report in the mail. As of XX/XX/XXXX, XXXX, I still did not received my report. I filed a complaint. They requested my documents and I submitted them on XX/XX/XXXX. They turned around and reported that Ive never sent anything the same day. Consumer reporting agencies are required under the Fair Credit Reporting Act ( FCRA ) to provide a consumer file within XXXX  days. XXXX has violated this requirement. This delay has caused me detriment, as inaccurate information or inquiries on my XXXX file has already resulted in multiple loan denials. I have also noticed that XXXX and XXXX XXXX makes it very difficult for consumers to receive their credit reports because it is not made available online such as the other credit bureaus, which seems to be intentional harm to consumers. I am requesting that the CFPB require SageStream/LexisNexis to immediately provide my full consumer file, including all personal data, inquiries, scoring information, and any records they maintain under my name. I would also like confirmation that they have corrected any failure of compliance related to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple 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 non-monetary relief
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am filing this complaint because Experian is reporting incorrect and unverified information on my credit file. 

XXXX Accounts Experian is showing no charged-off accounts, but I believe information is missing or may be inaccurately suppressed between bureaus. I request that Experian verify that all account information is accurately reported. 

Inquiry in Dispute XXXX XXXX  XX/XX/year> I do not recognize or recall authorizing this inquiry. Experian has not provided documentation showing that I granted permission. 

Late Payments in Dispute Experian is reporting multiple late payments for my student loan servicer : XXXX Acct ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are inaccurate. I have not been provided any proof, billing statements, or documentation showing that these late payments occurred. 

Request to CFPB I am asking Experian to : Fully reinvestigate these items under FCRA 611. 

Provide documentation verifying each late payment and inquiry. 

Remove any information that can not be proven accurate.

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 2025-12-03 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-12-03 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: 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 Account name : XXXX XXXX Account number : 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 2025-12-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Re : Demand for Full Method of Verification under FCRA 611 ( a ) ( 7 ) & FCRA 609 ( a ) ( 1 ) ( A ) CFPB Complaint Filed : XX/XX/XXXX Experian Response Received : [ Insert Date ] To Whom It May Concern, This letter is in response to your recent communication regarding the results of your alleged reinvestigation. Your response claims that the data furnishers verified the disputed information on my consumer report as accurate. However, you failed to provide the legally required documentation that proves this verification took place. 

Under the Fair Credit Reporting Act, I now formally demand the following : 1. METHOD OF VERIFICATION Pursuant to FCRA 611 ( a ) ( 7 ), you are required to provide : The name, address, and direct phone number of the person you contacted ; The method used to verify the information ; The documents, contracts, signatures, and evidence that prove the furnisher verified the account ( s ).

A generic statement that the furnisher verified the information does not meet the statutory requirement. You are required to provide actual evidence.

2. RIGHT TO SEE ALL INFORMATION Under FCRA 609 ( a ) ( 1 ) ( A ), I am requesting : All business records, applications, signed agreements, account notes, and communications used to verify each disputed account.

If you do not possess these documents, then you can not claim the information was verified. In that case, the disputed items must be removed immediately for failure to substantiate.

3. FAILURE TO CONDUCT A REAL INVESTIGATION Your response does not demonstrate compliance with : FCRA 611 ( a ) ( 2 ) ( B ) ( reasonable reinvestigation ) FCRA 607 ( b ) ( maximum possible accuracy ) GLBA data handling
requirements Metro 2 Compliance A parroting of the furnishers position, without independent investigation or documentation, is not verification it is a violation.

4. REQUIRED ACTION You now have 15 days from receipt of this notice to : Provide complete verification documentation OR Delete all accounts that can not be verified Failure to do so will result in : A supplemental CFPB filing, A complaint with my State Attorney General, and A claim for willful non-compliance under FCRA 616 and FCRA 617, which allows for statutory, punitive, and actual damages. 

I expect a complete response, including all materials used in your investigation. Accurate reporting is your responsibility proof of verification is not optional. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Re : Demand for Full Method of Verification under FCRA 611 ( a ) ( 7 ) & FCRA 609 ( a ) ( 1 ) ( A ) CFPB Complaint Filed : XX/XX/XXXX Experian Response Received : [ Insert Date ] To Whom It May Concern, This letter is in response to your recent communication regarding the results of your alleged reinvestigation. Your response claims that the data furnishers verified the disputed information on my consumer report as accurate. However, you failed to provide the legally required documentation that proves this verification took place. 

Under the Fair Credit Reporting Act, I now formally demand the following : 1. METHOD OF VERIFICATION Pursuant to FCRA 611 ( a ) ( 7 ), you are required to provide : The name, address, and direct phone number of the person you contacted ; The method used to verify the information ; The documents, contracts, signatures, and evidence that prove the furnisher verified the account ( s ).

A generic statement that the furnisher verified the information does not meet the statutory requirement. You are required to provide actual evidence.

2. RIGHT TO SEE ALL INFORMATION Under FCRA 609 ( a ) ( 1 ) ( A ), I am requesting : All business records, applications, signed agreements, account notes, and communications used to verify each disputed account.

If you do not possess these documents, then you can not claim the information was verified. In that case, the disputed items must be removed immediately for failure to substantiate.

3. FAILURE TO CONDUCT A REAL INVESTIGATION Your response does not demonstrate compliance with : FCRA 611 ( a ) ( 2 ) ( B ) ( reasonable reinvestigation ) FCRA 607 ( b ) ( maximum possible accuracy ) GLBA data handling
requirements Metro 2 Compliance A parroting of the furnishers position, without independent investigation or documentation, is not verification it is a violation.

4. REQUIRED ACTION You now have 15 days from receipt of this notice to : Provide complete verification documentation OR Delete all accounts that can not be verified Failure to do so will result in : A supplemental CFPB filing, A complaint with my State Attorney General, and A claim for willful non-compliance under FCRA 616 and FCRA 617, which allows for statutory, punitive, and actual damages. 

I expect a complete response, including all materials used in your investigation. Accurate reporting is your responsibility proof of verification is not optional. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief