vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
In XXXX, I entered into a vehicle loan through Santander for a XXXX XXXX XXXX. Despite making regular payments for over XXXX years, I have been left with an undrivable vehicle and a loan balance that far exceeds the cars value. 



The car has experienced multiple transmission failures. I previously paid for a full transmission replacement, which failed again within a year. The car is currently inoperable, and Ive received repair estimates that far exceed the value of the vehicle ( current value : ~ {$1000.00} ). Ive been advised not to invest further in repairs. 



I reached out to Santander to request assistance or a hardship resolution. My goal is to protect my credit and resolve this loan fairly, not to default or walk away. I asked for a reduced settlement, restructure, or deficiency forgiveness due to the extreme situation and the fact that the asset tied to the loan is no longer viable. 

I reached out to the company in an attempt to discuss options for reducing the loan balance or negotiating a settlement. However, the response I received was dismissive and demonstrated a lack of engagement with the actual content of my message. Despite my email clearly referring to the vehicle loan in question, the company replied by stating that they only handle vehicle financingas if they had not read my message at all. This suggests either a failure to adequately review customer correspondence or an intentional attempt to avoid addressing my request. This lack of responsiveness and attention raises serious concerns about the companys customer service practices and willingness to work with consumers in good faith. 

I believe this loan has become predatory in natureforcing continued payments for an essentially worthless vehicle. I am requesting the CFPBs support in urging Santander to offer a fair and reasonable resolution that does not cause further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in METRO 2 Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

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 2025-04-09 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: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in METRO 2 Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered multiple unauthorized credit inquiries on both my Equifax and TransUnion reports from various companies. These inquiries were made without my consent or any notification, and I believe they are unfairly lowering my credit score. Despite contacting each company to dispute these inquiries and explain that they were not authorized, the inquiries remain on my reports, and the companies have refused to remove them. This ongoing issue is causing further damage to my credit, and I request that all involved companies conduct a reinvestigation and take corrective action promptly to resolve the situation. 



Hard Inquiries : Equifax Hard inquiries may impact your credit score. 

Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Dispute this Address XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date XXXX inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX this XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX # XXXX XXXX, IN XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX VA XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Dispute this Address XXXX XXXX XXXXXXXX XXXX XXXX, RI XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Date of inquiry XX/XX/XXXX XXXX XXXX this XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, RI XXXX Date of inquiry XX/XX/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 2025-04-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-09 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I cant overstate how disruptive these inaccuracies have been. Ive worked hard to maintain financial discipline, and to have that undermined by careless or outdated information is infuriating. Ive faced rejections that damaged my confidence, all because of details on my report that simply arent true or verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
I cant overstate how disruptive these inaccuracies have been. Ive worked hard to maintain financial discipline, and to have that undermined by careless or outdated information is infuriating. Ive faced rejections that damaged my confidence, all because of details on my report that simply arent true or verifiable.

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 2025-04-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed incorrect information regarding this account. The repossession details are inaccurate regarding my account. I have tried several times to get this matter resolved and things keep coming back verified and unchanged.

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 2025-04-09 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: MI

Complaint narrative:
I have noticed incorrect information regarding this account. The repossession details are inaccurate regarding my account. I have tried several times to get this matter resolved and things keep coming back verified and unchanged.

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 2025-04-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I got a loan for a XXXX XXXX XXXX. I just found out that the price was XXXX on a used car and the payoff value of the car will be XXXX. As I looked up that same car brand new it didnt even cost that much. Im stuck with high car payments and a very high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint because I was not enjoined in the Settlement for accounts being opened at Wells Fargo. 

On or about XXXX, XXXX  I received a letter conveying to me the news that I had opened a checking/saving account with them when I did not. This was a fake account. I had reported this to them and I wanted it closed. They did close the account after their investigation. However, they did not include me in the recent Settlement for this action. 

I understand that the beneficiaries included are those who have suffered losses up to XXXX. But as you can see this practice has continued and I want this to be put on record that in spite of their promise to the public that they will stop these fraudulent practices - it has continued.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
I have provided XXXX with the tracking numbers of the transactions that were made to scam me through the XXXX app. I have provided my FTC complaint ID, XXXX complaint ID, and local police department 's incident report number, but XXXX XXXX denied me my money. The agent I chatted with provided me with the XXXX claim reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Professional Debt Mediation, Inc.
State: NC

Complaint narrative:
Jurisdictional / Legal Concerns. Debt still being reported from in XXXX  in state of XXXX  from XXXX  from the state of XXXX  and XXXX  ( where debt collection agency is located and where I have not resided since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My bank account was closed without my aware about it. CitiBank closed my account after my ACH transfer from XXXX XXXX  to Citibank. I am owner of both account but Citibank claimed that fraud transfer and closed my account. I just only received letter reference number about my account but the representation claimed they sent letter closure. 
- Account restricted on XX/XX/year> - Reference letter sent on XX/XX/year> but delivered on XX/XX/XXXX - Called Citibank and representation told that account updating and I need contact them later - Called on XX/XX/year> and told the same. 
- Called XX/XX/year> and representation told that account closure but there no notify, no letter, no email or anything like some kind of mistake. Because I got work so I hang up without further inquiry. 
- Called XX/XX/XXXX to inquiry about balance and representation told me that there no balance as if my transfer from XXXX to Citibank disappeared.

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 2025-04-09 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 am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-04-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I wish to be added to the wells Fargo settlement I banked with wells Fargo from XXXX to 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