vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint and request assistance regarding a debt that appears on my credit report related to a vehicle with Santander. I am disputing the validity of this debt, as well as the amount being reported. Santander has reported an auto loan debt that I do not fully recognize or agree with. The balance listed is incorrect, and when I previously contacted the company, I was quoted a different amount. I do not recall the exact dates or terms of the loan balance, but I did reach out by phone and received conflicting information. Since then, the reported balance has continued to increase without clear explanation or documentation. I am exercising my right to request full validation of this debt. I am requesting that Santander provide the following documentation that shows they have the legal right to collect this debt and an explanation for the discrepancies in the amounts I was given versus what is now being reported. Until this debt can be properly validated, I am requesting that it be removed or marked as disputed on my credit report. Reporting inaccurate or unvalidated debt violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Right Step Mortgage LLC
State: CT

Complaint narrative:
I am working with aright step banking, and was pre- approved for a loan of XXXX in XXXX. I did secure a condo and paid the XXXX deposit of {$1500.00} on XX/XX/25. I was then instructed to pay for an appraisal of {$520.00} on XX/XX/XXXX. I also had to pay for an inspection of {$460.00} on XXXX XXXX. Due to the appraisal having finding for the condo association to fix. I had to do a reappraisal that cost {$56.00} on XX/XX/XXXX. I was set to close XXXX XXXX. The loan XXXX also told me I needed to put my condo that XXXX currently in, for rent and send them the lease as well as collect the security and first months rent so they can use it as rental income towards my approval. Which I did and signed a lease for the tenant to move in XXXX XXXX. I sent them all the proof. They also had me start a home owners insurance for the day of closing which was XX/XX/XXXX. I was also told to get an attorney to review my paperwork and do a title search on the property which is {$350.00} even if I do not go through with the loan. As the closing date approached they stated they needed more time to run the numbers. They told me if I didnt get a co signer I would be denied due to XXXX of my pay stubs expiring in XXXX, when I was suppose to close in XXXX. My original loan XXXX switched companies and my file was left with the CEO, which at that point my file stopped moving, I was asked to submit the same documents Ive submitted already about 4 times now, even on of the people on my file understand why I felt that the CEO did not want to work on my file because my file kept being pushed off and he wouldnt take my phone calls or respond to text. the XXXX XXXX called my XXXX and started to make rude comments about me and he didnt know why I would even get approved in the first place. And he demanded a co-signer or id be denied. I secured a co-signer the following week and submitted all the documents and I was sent new documents to sign in regards to the cash to close. I got the final document for a new cash to close which they increased my loan amount and decreased my percentage down from 10 % down to 5 % down which I agreed to. Once I proved I had the money for cash to close and my consigned submitted a XXXX that he had to rush to file due to the dead line given by the sellers since we was a month behind our closing date, the new loan XXXX stated unless we paid off a massive amount of money from debts I would be denied after I paid out all of this money instructed by Right step they are now trying to deny me the mortgage. I did ask could I get my money back and XXXX stated it wasnt refundable. Which is not fair to me because I should have either been approved or denied prior to having me pay for all of the inspections and XXXX appraisals. I am trying to see if anyone can review this situation and help me please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: STOCKTON MORTGAGE
State: KY

Complaint narrative:
We have XXXX mortgages with Stockton Mortgage. Over a year ago, we contacted customer support to setup each mortgage with an auto-draft bi-weekly and also {$75.00} extra towards principal each payment ( for {$150.00} principal extra per month ). We told the customer service lady that we want to pay off our loans much quicker. 

But their website does not allow anyway to see how these payments are applied and get a payoff date. 

In fact, when contacting the company they say " we do not honor bi-weekly payments ''. Despite the fact that their customer service helped us set this up via phone, as we could not do it on their website, with the expectation that it would dramatically pay off our loans quicker. 

Based on our current payment schedule, I want to know the expected pay off date for each loan. They refuse to give us the amortization schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
SUMMARY OF COMPLAINT CONSUMER CREDIT REPORTING AND IDENTITY THEFT DISPUTE Submitted by : XXXX XXXX XXXX : XX/XX/year> Subject : Violations of the Fair Credit Reporting Act ( FCRA ), FDCPA, and State Consumer Laws Parties Involved : TransUnion, LLC Experian Information Solutions , Inc . 
Equifax XXXXnformation Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX Overview : I am submitting this formal complaint regarding the continued publication and reporting of fraudulent, inaccurate, and outdated information on my consumer credit reports. Despite submitting identity theft reports, FTC affidavits, UCC filings assigning obligations to a legal trust, and multiple disputes through each CRA and the CFPB portal, the reporting agencies and data furnishers have failed to act in compliance with federal law. 
Key Issues : CRAs failed to conduct reasonable reinvestigations after dispute notices under 15 U.S.C. 1681i.

CRAs failed to block fraudulent accounts after receiving FTC Identity Theft Reports and sworn affidavits ( 15 U.S.C. 1681c-2 ).

CRAs continue to report accounts tied to identity theft and discharged/canceled debtscausing credit denials, reputational harm, and financial loss. 
XXXX and XXXX  failed to verify or cease reporting of disputed tradelines, in violation of FCRA 1681s-2 ( b ) and FDCPA 1692e/f.

CRAs ignore clear evidence of account assignment to the XXXX XXXX XXXX XXXX and report me personally liable, despite lawful and public reassignment. 
Despite repeated filings and disputes submitted through the CFPB portal, the responses received from the named Defendants have been conclusory and non-substantive. They failed to provide any supporting documentation, evidence of investigation, or response addressing the material factual and legal violations identified. Accordingly, Plaintiff has initiated this action in the New York Supreme Court XXXX XXXX seeking declaratory, injunctive, and monetary relief for ongoing violations and harm. 
Requested Resolution : XXXX. Immediate deletion or suppression of all disputed accounts associated with identity theft.

2. Permanent correction of credit reports to reflect lawful trust assignment and block fraudulent tradelines.

3. Statutory compliance investigations by CFPB and business conduct evaluation by BBB. 
XXXX. Civil relief and equitable remedies are being pursued in the New York Supreme Court XXXX XXXX, with formal filing to be completed this week. This court action seeks full declaratory, injunctive, and monetary relief. 
Respectfully, /s/ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
SUMMARY OF COMPLAINT CONSUMER CREDIT REPORTING AND IDENTITY THEFT DISPUTE Submitted by : XXXX XXXX XXXX : XX/XX/year> Subject : Violations of the Fair Credit Reporting Act ( FCRA ), FDCPA, and State Consumer Laws Parties Involved : TransUnion, LLC Experian Information Solutions , Inc . 
Equifax XXXXnformation Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX Overview : I am submitting this formal complaint regarding the continued publication and reporting of fraudulent, inaccurate, and outdated information on my consumer credit reports. Despite submitting identity theft reports, FTC affidavits, UCC filings assigning obligations to a legal trust, and multiple disputes through each CRA and the CFPB portal, the reporting agencies and data furnishers have failed to act in compliance with federal law. 
Key Issues : CRAs failed to conduct reasonable reinvestigations after dispute notices under 15 U.S.C. 1681i.

CRAs failed to block fraudulent accounts after receiving FTC Identity Theft Reports and sworn affidavits ( 15 U.S.C. 1681c-2 ).

CRAs continue to report accounts tied to identity theft and discharged/canceled debtscausing credit denials, reputational harm, and financial loss. 
XXXX and XXXX  failed to verify or cease reporting of disputed tradelines, in violation of FCRA 1681s-2 ( b ) and FDCPA 1692e/f.

CRAs ignore clear evidence of account assignment to the XXXX XXXX XXXX XXXX and report me personally liable, despite lawful and public reassignment. 
Despite repeated filings and disputes submitted through the CFPB portal, the responses received from the named Defendants have been conclusory and non-substantive. They failed to provide any supporting documentation, evidence of investigation, or response addressing the material factual and legal violations identified. Accordingly, Plaintiff has initiated this action in the New York Supreme Court XXXX XXXX seeking declaratory, injunctive, and monetary relief for ongoing violations and harm. 
Requested Resolution : XXXX. Immediate deletion or suppression of all disputed accounts associated with identity theft.

2. Permanent correction of credit reports to reflect lawful trust assignment and block fraudulent tradelines.

3. Statutory compliance investigations by CFPB and business conduct evaluation by BBB. 
XXXX. Civil relief and equitable remedies are being pursued in the New York Supreme Court XXXX XXXX, with formal filing to be completed this week. This court action seeks full declaratory, injunctive, and monetary relief. 
Respectfully, /s/ 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 2025-07-28 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that has not been resolved

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccuracies on my credit report that has not been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section XXXX ( XXXX XXXX. XXXX ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-07-28 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: NJ

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. 

XXXX  - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX # XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal , has violated my rights. 

I looked at my credit bureau Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business days

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 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Earnest Inc.
State: FL

Complaint narrative:
Unfortunately, Ive experienced repeated servicing disruptions including autopay errors, inconsistent account access, and delayed postings. These have resulted in XXXX late payments being reported to my credit profile. These were not due to financial hardship or intentional delinquency, but rather technical and administrative complications outside of my control. 
Specifically, the following months are being reported as late : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> My loan agreement requires Earnest to provide clear and reliable access to payment services. The documented issues suggest a lapse in that responsibility. Ive made every effort to resolve this and resume on-time payments. 
I understand that the Fair Credit Reporting Act ( FCRA ) does not require reporting of every late payment and permits data furnishers to make discretionary updates. The Consumer Financial Protection Bureau ( CFPB ) has also previously reviewed similar issues with Earnest, compelling tradeline corrections where system errors caused misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This letter is to formally dispute the validity and legal ownership of a debt that LVNV Funding LLC claims to own or collect. I do not acknowledge this alleged obligation, and I am requesting complete validation and proof of legal authority as required under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006 ).

Under 12 CFR 1006.34 ( c ), I am demanding the following : A full breakdown of the alleged debt, including : Original principal, Interest, fees, and other charges, Payment history, and The total balance currently claimed.

Identification of the original creditor, including their name and contact address.

Documents establishing that LVNV Funding has the legal right to collect, including : A complete chain of assignment from the original creditor to LVNV Funding, All relevant purchase agreements, transfer contracts, or bills of sale, A copy of the original signed agreement or application for credit ( if applicable ).

Proof that a proper validation notice was issued within five ( 5 ) days of your first communication, as required by 12 CFR 1006.34 ( a ).

If you can not produce these documents, any further collection activity, including credit reporting or litigation, may be considered unlawful under : 12 CFR 1006.18 ( false or misleading representations ), 15 U.S.C. 1692e ( misrepresentation of legal status ), And 15 U.S.C. 1692g ( failure to validate disputed debt ).

Failure to substantiate your claim with proper documentation will result in my pursuing legal remedies, including arbitration or litigation, as well as seeking damages and requesting deletion of any derogatory reporting with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: AR

Complaint narrative:
XXXX XXXX XXXX " XXXX '' I'm unaware of this XXXX and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with a receipt displaying my signature. If not please delete account " XXXX '' as soon as possible from my report or I will have to take legal action.

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 2025-07-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
on or about XX/XX/year> I logged into my Experian account. There was a score and a revolving account listed. There are no negatives or negative public records. 30 days later, there is no report, no score. It just says something to the effect of no report or score generated.

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