vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-29 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I respectfully request the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. The necessary documents are attached to support my claim.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion is inaccurately reporting a XXXX XXXX XXXX  filed in XXXX  and discharged the same year. In addition, TransUnion has listed multiple variations of my name ( XXXX XXXX XXXX, XXXX XXXX, etc. ) and outdated addresses that are misleading and damaging.

Violation of FCRA 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Reporting unverifiable name variations, former employers, and a bankruptcy sourced from third-party vendors ( XXXX ) instead of the U.S. Bankruptcy Court is inaccurate and misleading.

Violation of FCRA 1681i ( a ) : Once disputed, unverifiable items must be corrected or deleted. Bankruptcy courts have publicly confirmed they do not supply consumer credit data to TransUnion.

Violation of FDCPA 1692e : Continuing to report unverifiable, obsolete, and contradictory data misrepresents my creditworthiness and causes material harm.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
mailed a dispute letter regarding unauthorized transactions. XXXX confirms the letter was delivered to the financial institution. However, they now claim they never received it. 

Despite repeated phone calls, I have not been assisted. Each time, I am told they are not available and will call me back, but no one has ever followed up. I have been waiting months with no resolution to my dispute. 

This shows a clear failure to acknowledge, process, and investigate my dispute as required under federal consumer protection laws. Instead of addressing the issue, the institution provides excuses and delays while ignoring their legal obligation to investigate and respond within mandated timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
LAST FOUR DIGITS OF THE ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We had to purchase a car in XX/XX/XXXX due to our previous car was destroyed by the excessive hacking as a form of retaliation by the state of XXXX. We purchased a used car at XXXX of XXXX Used Cars. The car was ALLEGEDLY financed by Santander USA. The Finance department stated SANTANDER was the only company who would finance due to our Credit as the result of excessive Mortgage Fraud and Identity theft. We know the games and trickery Dealerships play. We had to request a complete payment history from Santander. Once received it was obvious : 1. Missing Payments were not credited 2. We were being charged for late fees which should not have been applied. For example, the payment would be sent PRIOR to the 10thday which is the grace period, however the payment would post after the 10th causing late fees to be attached. 

We traveled to the Dealership to request a copy of the contract for the purpose of cross referencing all information, amount, signatures etc. The purpose was due to investigating the practices of Santander to all of the reported unethical practices they were engaging in. 

Sadly, the dealership stated their Finance Manager was not in per one of the Salesmen. He attempted to locate the vehicle in the system. We knew something was strange. I took a look at the screen, and it displayed information which was fabricated. The car was under a fraudulent name but had our contact information attached.

Due to dealing with our active DOJ case as the result of the excessive mortgage fraud and more we FIRMLY believe we never received a loan from Santander, but an account was set up as if we did receive a loan. We make monthly payments but who's receiving the money. Given the dealership system did not have a screen showed a generic account, how could we have obtained financing.

Please note we continued to make payments in order to avoid negative credit reporting and needed more time to research our payment history. We do know fraudulent practices were implemented to exploit us financially.

Again, someone with the Santander Organization and Dealership is PERSONALLY POCKETING OUR MONEY.

Please see all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered I was a victim of identity theft. Attached below is my report. I didnt authorize r do I recognize any the the accounts listed below

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: GA

Complaint narrative:
Somebody have got into my chime account and been making transactions and sending money n spending money from my chime account and I want everything reimbursed to me back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: OK

Complaint narrative:
I requested verification of the debt. I was sent a letter stating they verified the debt did belong to me and that I needed to file a fraud report and provide that information to them. 
My daughter applied for student loans several years ago and somehow I ended up as a co-signer but no one can provide me any documentation authorizing Sallie Mae to pull my credit or disburse the loan. They have turned me over to a collection agency that is threatening to sue me if I don't pay the balance in full. I am well within my rights to see the paperwork that I signed authorizing them to use my information for a loan. They are asking for a copy of my government issued ID but I don't feel comfortable sending them something they have never had. 

I contacted Sallie Mae 's fraud department and was treated like I have done something wrong. The burden of proof should not be on me but them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I am being harassed by Citizen 's Bank through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone ( XXXX ) XXXX. I purchased a XXXX XXXX in XXXX  in Maryland. I ran into hardships paying for the loan when I lost my job, and did a short-sale in which the vehicle was sold to XXXX XXXX XXXX XXXX. I was told by Citizens that the balance would be a charge-off. I think they put this with their IRS taxes as a charge-off. I have been continually harassed for the balance of {$8500.00}. Now I have been contacted by a law firm. I do not have any paperwork related to this loan, but everything was submitted to Citizen 's. I am a senior citizen on social security and can not repay this large amount. I am asking to not be contacted anymore regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am submitting this complaint regarding Bridgecrest ( and associated dealership XXXX ) due to what I believe is an unfair and overly aggressive repossession and loan unwind process, paired with lack of proper communication and mismanagement of contact information, which denied me the opportunity to rectify the situation. 

On XX/XX/year>, I made a payment of {$270.00} toward my auto loan via Bridgecrest. I received a confirmation email showing the payment was successfully withdrawn from my account ( screenshot attached ). However, I later found out that the payment reversed on XX/XX/XXXX, and I was never notified properly. 

Bridgecrest has stated that they attempted to contact me by phone and email but : They were using an outdated or incorrect phone number. 
I received no emails or notifications regarding the repossession or default status. 
I made multiple attempts to contact both Bridgecrest and XXXX to understand what happened and attempt resolution including speaking with their reps over the phone more than four times and contacting their customer relations escalation team. 

I learned that my loan had been unwound on the XXXX day of non-payment, and Bridgecrest refused to allow reinstatement even though I had been actively trying to make arrangements, and the breakdown was due to miscommunication and a phone number error. 

Despite my efforts to : Plead my case Explain the wrong number and missing notifications Request mercy due to it being only a day past their threshold They would not allow me to recover the car, nor reinstate the loan, even after I finally received the correct escalation number from someone internally at XXXX. 

This treatment has left me without a vehicle, despite my demonstrated efforts to communicate, pay, and resolve the issue in good faith.I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
THE BUREAUS is falsely reporting on my credit. I have never had any accounts with them. Per my research THE BUREAUSis 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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I received an email notification from this company and it informed me that they were not able to extend a loan to me. I thought this was a peculiar considering that I have not been searching for nor that I need a loan and I did not submit this application I contacted the company upgrade and in an effort to try to figure out where and how this application was submitted and to inform them that this is a mistake I didnt ask for a loan and I didnt submit an application for one they told me that they worked through many different third parties and they would not be able to tell me where the application came from. They said that it was against their company policy to release that information. They told me that I was denied for a loan, but they couldnt tell me where the loan application actually originated. They can affect peoples credit, but they cant tell them how to fix it. They can take your information run your credit and destroy your financial Possibilities, but they wont tell you who took the information or where the application was submitted from. I think this is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

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

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 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: VA

Complaint narrative:
Complaint Against : Block , Inc. ( Square ) XXXX XXXX, XXXX XXXX XXXX, CA XXXX Complaint Summary : I am the owner of XXXX XXXX, a used car dealership in XXXX, Virginia. On XX/XX/year>, Square suddenly deactivated my account and placed a hold on my funds, citing unusual activity.

Square is currently holding over {$5000.00} from one account ( before fees ) and {$500.00} from another account. They also charged standard processing fees ( ~2.6 % ) on these transactions before freezing the balances. 

The transactions were legitimate car sales, sometimes broken into partial payments ( e.g., {$2000.00} + {$2000.00} + {$500.00} instead of one {$5000.00} payment ) because customers paid in smaller increments. These were normal business transactions with no fraud or disputes.

Square has not released my funds or provided any clear reason beyond security review. Their communication says they may hold funds for 90 days, but they do not give any updates during that time. 

Additional Harm to My Business : My business depends on cash flow to purchase and deliver vehicles. By freezing my money for 90 days, Square is directly preventing me from delivering cars that customers already paid for. If I can not deliver and flip, I will lose {$30000.00} {$40000.00} in business revenue over this 90-day period. This also harms my business Resolution Requested : 1. Immediate release of my funds, OR 2. A clear explanation of why funds are being held and proof of any disputes.

3. Assurance that Square will not unfairly keep processing fees if funds are eventually released.

This hold is unreasonable, financially damaging, and putting my business and customers at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX AND XXXXXXXX XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX AND XXXX XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND 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 2025-08-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, I made a {$600.00} mortgage payment to Wells Fargo. Instead of properly applying it to my mortgage account, Wells Fargo misapplied the payment and credited it to my credit card account. I never authorized this payment to be applied to my credit card. 

On XX/XX/year>, Wells Fargo removed the {$600.00} as an adjustment, which created a {$600.00} balance on my credit card that I never actually incurred. 

On XX/XX/year>, I called Wells Fargo and formally disputed the adjustment. I was given XXXXXXXX XXXX XXXX XXXXXXXX or XXXX and assigned a case manager named XXXX XXXX During calls ( which Wells Fargo has recordings of ), representatives admitted that the {$600.00} was a misapplied payment, but stated I am responsible for it because I used the funds. 

Since opening my dispute, Wells Fargo has applied fees to my account ( on XX/XX/year> ) while the case is still under investigation. My XXXX credit score has already dropped because Wells Fargo reported this negatively to the credit bureaus during the dispute. 

Under the Fair Credit Billing Act, misapplied payments are considered billing errors, and no fees, penalties, or negative credit reporting may occur while a charge is in dispute. Wells Fargos actions violate these protections and have caused me unnecessary stress and fear.

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 2025-08-29 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: GA

Complaint narrative:
I request an immediate examination of the late payment listed on my report, which appears inaccurate in light of my on-time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america visa card that has XXXX XXXX university logo i had to close down to protect myself, I once made a charge or two on XXXX XXXX  then someone got into the account and charged over {$5000.00} in XXXX XXXX  charges, i filed complaint at first bank of america was all helpful then they said i am responsible to pay all those charges I never made those charges and i have explained over and over that those charges are fraudulent i closed the card I told them and I demand the entire fraudulent balance is erased

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I respectfully request the deletion of this inaccurate account from my credit report, as I never authorized its creation or use. The necessary documents are attached to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I sold the home in XX/XX/year>. I am now trying to buy a home again and Experian is reporting the home was in a pre-foreclosure status as of XX/XX/year>, after it had already been sold and all funds were transferred. It was never turned over to collections. I believe my mortgage lender ( XXXX XXXX ) failed to report the sale of the home or they provided false account information.

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