vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-30 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and demand for full validation of an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby exercise my right to request verification and proof of this alleged debt.

At this time, I do not acknowledge any liability for the debt in question. Until you provide complete validation as required by law, you must immediately cease all collection activity, including reporting or furnishing any information about this alleged debt to the consumer reporting agencies. 

For compliance, you are required to provide the following documentation : XXXX. Proof of the XXXX XXXX XXXX copy of the original contract, agreement, or instrument bearing my signature that allegedly created this debt. 
XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX complete chain of assignment, transfer, or sale establishing your legal right to collect this debt. 
Documentation demonstrating your authority to act as a collector of this debt. 
XXXX. Full Accounting of the XXXX XXXX XXXX detailed itemization of the original amount, all fees, charges, interest, and payments applied to date. 
XXXX. Licensing and XXXX XXXX XXXX that your company is duly licensed, bonded, and authorized to collect debts in my state. 

Take notice that : Any failure to provide the above constitutes a violation of federal law and will be documented accordingly. 
Any continued collection activity, including credit reporting, without proper validation will be considered willful non-compliance with the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Should you ignore this demand, I will pursue all available remedies, including statutory damages, injunctive relief, and recovery of attorneys fees and costs. 

You are hereby notified that you have 30 days from receipt of this letter to furnish the requested documentation. If you can not validate this alleged debt in full, you must immediately : Cease all collection efforts, and Delete any reference to this alleged debt from my credit reports, and Confirm in writing that the matter is permanently closed. 

For the record, all future communications must be made in writing only. Telephone calls to me, my family, my place of employment, or any third party are expressly prohibited. 

Failure to comply will leave me no option but to pursue legal remedies to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I have filed one complaint already. Santander has denied taking away my loan. Saying they had no reason to believe I could not afford it and that I made a monthly XXXX XXXX income which is very far from true when my GROSS income was XXXX a month without taxes taken. XXXX is XXXX. XXXX XXXX weeks is XXXX GROSS. I have reason to believe they are either doing the math wrong on purpose or they were negligent and trapped me in a predatory loan. They say I signed a credit app, I would like a copy of it and also a big question I have is how I would be approved for it if they were given pay stubs that clearly states I do not make that much. Even if I were to write down I made that much which I would not, does it not have to be looked at and verified I do make that amount? Do you guys pass out loans to anyway thats writes stuff down on a piece of paper? Also if I did make that amount I would not be in this situation with struggling with payments. I was taken advantage of the dealer and now as well as Santander that has a long history of being predatory. I would like a copy of the credit application and I would like the CFPB to take this seriously because this is very negligent. At the end of the day I have the pay stubs of which I made at the time and all the proof that I indeed did NOT make XXXX XXXX a month.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
I have received a debt letter from Mandarich Law Group , LLP stating that I owe XXXX on XX/XX/XXXX. To XXXX ( South Dakota ) XXXX. that was opened up without my knowledge or consent on XX/XX/XXXX. I never had received any other notices in regards to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: OH

Complaint narrative:
On XX/XX/XXXX, I received reinvestigation results from Equifax ( Confirmation XXXX XXXXXXXX ). Equifax verified a tradeline furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding a XXXXXXXX XXXX  account ( ending in XXXX ). 

The issue is that PRA is not licensed to collect debts in the State of Ohio. According to the Nationwide Multistate Licensing System ( XXXX, ID XXXX ), XXXX is licensed in multiple states but has no license in Ohio. 

I submitted evidence to Equifax, including PRAs collection notices, the XXXX Bank transfer letter, and the NMLS record. Equifax ignored this documentation and relied solely on PRAs response through the e-OSCAR system. Equifax verified the account without addressing the fact that the furnisher is unlicensed and therefore can not legally furnish or collect in Ohio.

This is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). It also violates FCRA 607 ( b ) ( requirement to assure maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( duty not to furnish inaccurate information ).

I also requested the method of verification and procedures used ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ), but Equifax did not provide this information.

As a result, inaccurate and unlawful negative information remains on my credit file, harming my creditworthiness. 

Supporting Exhibits attached : Equifax reinvestigation results ( XX/XX/XXXX ) NMLS Consumer Access record ( no Ohio license for XXXX ) XXXX notices and XXXX XXXX transfer letter Ohio Department of Commerce and Attorney General complaints ( confirming XXXX is unlicensed in Ohio )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover that my credit report has been improperly used. Applications were made in my name, and these companies accessed my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I apply to them. This is a clear violation of my rights as a consumer, and it is deeply insulting to me as a law-abiding citizen.

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: FL

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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding two transactions I made through Cash App totaling over {$800.00}. These transactions were authorized ; however, I never received the goods I paid for. Cashapp denied my transaction dispute because they were authorized ; they completely missed the point.

When I contacted Cash App to dispute these transactions, I followed their procedures and provided the details they requested. Despite this, Cash App denied both disputes. Their denial letter provided no meaningful explanation and did not address the fact that I never received the merchandise. It appears that Cash App closed my case without conducting a proper or good-faith review. This has left me in a very difficult situation : I authorized payment for goods, the merchant never
delivered them, and Cash App refuses to provide me any form of consumer protection or resolution. I am now out more than {$800.00} with no accountability from either the merchant or Cash App.

I am requesting that the CFPB investigate Cash Apps dispute-handling process, as it seems designed to dismiss valid consumer complaints without proper review. I am specifically seeking : Reopening of my disputes, A fair and transparent investigation into the fact that goods were never delivered, and Reimbursement of the funds I lost if the merchant can not prove delivery.

Cash App presents itself as a financial services provider but fails to protect consumers in basic cases such as non-delivery of goods. Their handling of my case shows disregard for consumer protections and for their obligations to investigate and assist customers fairly.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Double Diamond-Delaware, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX  holds a mortgage for a piece of property I own. My primary complaint is that they are a mortgage lender that refuses to send out regular statements showing updated balances. I received a call on XXXX XXXX, XXXX, stating that my loan was overdue because their ACH system is no longer working. They asked me to immediately send in a double payment as I was already 30 days past due. Concerned, I asked if this would be reflected on my credit report, and she assured me that it wouldn't, as this was their internal issue. I mailed out a double payment immediately, and they received it on the XXXX of XXXX. 

The rep also explained to me that it is my responsibility to keep track of my debt, as they do not send out monthly statements. My understanding is that this goes against Federal Laws for lenders. My questions to the representative were how I would know this was even late if they do not send statements. She had no answers, but told me they send out a statement at year 's end for taxes. This seems to be a violation of my rights, along with seriously hurting my perfect credit report. They did send a XXXX late to my credit bureau XXXX and now refuse to remove it and refuse to send monthly statements to be able to verify the accuracy of the loan itself. This is the second time I have requested getting statements for a loan over XXXX XXXX XXXX. Another issue I asked multiple times why my name did not reflect on the property tax roll two years later ; they finally updated it with the County. No one responds to calls or emails.

Company response to consumer: Untimely response
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the unauthorized hard inquiries listed on my credit report. These inquiries including XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX and XXXX were made without my knowledge, authorization, or any valid permissible purpose as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Reporting or maintaining these inquiries without my consent is a direct violation of my consumer rights. Additionally, under 15 U.S.C. 1681e ( b ), you are required to ensure the maximum possible accuracy of the information you report. Including unverified or unauthorized inquiries fails to meet this standard. I demand that you remove all unauthorized inquiries from my credit file immediately.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

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 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filling a complaint against Capital One regarding the deceptive practices related to their 360 high yield interestsavings accounts. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about superior rates offered by the 360 Performance savings accounts. This deliberately obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Trust in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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