vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
My brother in law ( XXXX XXXX ) passed in XX/XX/XXXX. He lived in Kentucky. The car was driven and put in our yard. For 4 years we have asked XXXX XXXX, located in TX to take the car. They said they would bring someone out but never showed up. After 4 years they said they would abandon the car. We asked to buy it from them instead. They offered {$4000.00}. We got a loan XX/XX/XXXX. We sent the {$4000.00} to XXXX XXXX in a cashiers check. They received it, spoke to our bank and sent out the title. They told us we would receive the title first week of XXXX. XX/XX/XXXX, we called asking where it was. Without us knowing, they sent the title to my brother in laws old address in Kentucky. We asked for our options, money back, or to resend the title. They were not helpful. We are low income and stuck because we can not receive the {$4000.00} back or the title. My brother in law was from Michigan like us. We do not have power of attorney or anything. We need our money back or the title to be sent to us. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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 2025-12-18 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: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XXXX I visited the Wells Fargo branch in XXXX XXXX XXXX to request notary service only. I waited calmly and was assisted by a banker ( XXXX ) who initially stated she could help me.

While walking to the desk, the banker asked about an item in my hand. I informed her it was a recorder and stated it was not turned on. After sitting down, she briefly looked at my documents and asked whether they had anything to do with Wells Fargo. I stated they did not and offered for her to review them.

The banker declined to read the documents, closed them, and pushed them back toward me. When I asked whether she would notarize them, she refused and stated the reason was my attitude and that I was being rude. I remained calm and asked for clarification.

The banker then involved the branch manager. When the manager arrived, she appeared confused about the situation, and I explained what had occurred. Despite no policy-based reason being provided, notary service was still refused.

Why this is a problem I was denied a standard customer service without a clear, objective reason. The refusal delayed a time-sensitive legal filing and required me to obtain notary service elsewhere. I am concerned that the refusal was inconsistent with Wells Fargos stated customer service practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding unauthorized hard and soft credit inquiries appearing on my credit reports from Experian, Equifax, and TransUnion. I have never provided consent for any of these inquiries. Both hard and soft inquiries are impacting my personal and financial security. I am requesting immediate and full removal of every hard and soft inquiry from all three credit reporting agencies. Legal Basis Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( A ), credit bureaus may only report inquiries made with explicit consumer authorization. Unauthorized reporting of credit inquiries constitutes a violation of federal law. Under FCRA 1681i, credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if additional documentation is provided ). Any information that can not be verified must be deleted immediately. Despite this, I continue to see unauthorized inquiries on my reports, demonstrating negligence and a failure to comply with federal law. Harm and Impact The ongoing reporting of unauthorized inquiries has caused : Direct harm to my credit profile and personal financial opportunities. Significant emotional and mental distress. A continued exposure to data breaches and systemic reporting failures by the credit bureaus. These repeated violations indicate a pattern of negligence that puts consumers at risk. I am requesting that the CFPB not only ensures the removal of all unauthorized inquiries, but also investigates these practices thoroughly. Relief Requested Immediate removal of all hard and soft inquiries from Experian, Equifax, and TransUnion. Written confirmation that all inquiries have been deleted. Investigation into the reporting practices that led to these unauthorized inquiries. Consideration for compensation for ongoing harm and distress caused by repeated violations and breaches. I am exercising my rights as a consumer under federal law and expect prompt action to protect my financial well-being. Continued inaction by the credit bureaus reflects a failure to protect consumers like myself and must be addressed immediately. Thank you for your time and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding unauthorized hard and soft credit inquiries appearing on my credit reports from Experian, Equifax, and TransUnion. I have never provided consent for any of these inquiries. Both hard and soft inquiries are impacting my personal and financial security. I am requesting immediate and full removal of every hard and soft inquiry from all three credit reporting agencies. Legal Basis Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( A ), credit bureaus may only report inquiries made with explicit consumer authorization. Unauthorized reporting of credit inquiries constitutes a violation of federal law. Under FCRA 1681i, credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if additional documentation is provided ). Any information that can not be verified must be deleted immediately. Despite this, I continue to see unauthorized inquiries on my reports, demonstrating negligence and a failure to comply with federal law. Harm and Impact The ongoing reporting of unauthorized inquiries has caused : Direct harm to my credit profile and personal financial opportunities. Significant emotional and mental distress. A continued exposure to data breaches and systemic reporting failures by the credit bureaus. These repeated violations indicate a pattern of negligence that puts consumers at risk. I am requesting that the CFPB not only ensures the removal of all unauthorized inquiries, but also investigates these practices thoroughly. Relief Requested Immediate removal of all hard and soft inquiries from Experian, Equifax, and TransUnion. Written confirmation that all inquiries have been deleted. Investigation into the reporting practices that led to these unauthorized inquiries. Consideration for compensation for ongoing harm and distress caused by repeated violations and breaches. I am exercising my rights as a consumer under federal law and expect prompt action to protect my financial well-being. Continued inaction by the credit bureaus reflects a failure to protect consumers like myself and must be addressed immediately. Thank you for your time and service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint regarding unauthorized hard and soft credit inquiries appearing on my credit reports from XXXX, XXXX, and XXXX. I have never provided consent for any of these inquiries. Both hard and soft inquiries are impacting my personal and financial security. I am requesting immediate and full removal of every hard and soft inquiry from all three credit reporting agencies. Legal Basis Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ) ( A ), credit bureaus may only report inquiries made with explicit consumer authorization. Unauthorized reporting of credit inquiries constitutes a violation of federal law. Under FCRA 1681i, credit reporting agencies are required to investigate disputes within 30 days ( or 45 days if additional documentation is provided ). Any information that can not be verified must be deleted immediately. Despite this, I continue to see unauthorized inquiries on my reports, demonstrating negligence and a failure to comply with federal law. Harm and Impact The ongoing reporting of unauthorized inquiries has caused : Direct harm to my credit profile and personal financial opportunities. Significant emotional and mental distress. A continued exposure to data breaches and systemic reporting failures by the credit bureaus. These repeated violations indicate a pattern of negligence that puts consumers at risk. I am requesting that the CFPB not only ensures the removal of all unauthorized inquiries, but also investigates these practices thoroughly. Relief Requested Immediate removal of all hard and soft inquiries from XXXX, XXXX, and XXXX. Written confirmation that all inquiries have been deleted. Investigation into the reporting practices that led to these unauthorized inquiries. Consideration for compensation for ongoing harm and distress caused by repeated violations and breaches. I am exercising my rights as a consumer under federal law and expect prompt action to protect my financial well-being. Continued inaction by the credit bureaus reflects a failure to protect consumers like myself and must be addressed immediately. Thank you for your time and service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 2025-12-18 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: MD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX XXXX, Date : 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 2025-12-18 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:
I am submitting this complaint because there are inaccurate, inconsistent, or unverifiable items being reported on my credit reports by the major credit bureaus. I am requesting that each bureau conduct a thorough investigation in compliance with the Fair Credit Reporting Act ( FCRA ) and provide written verification or removal of the disputed information.

Disputed Accounts ( Charged Off ) : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$4900.00} Issue : This account is reported as charged off. I dispute this reporting and request that Equifax verify the accuracy and completeness of this account, including balance and payment history.

Inquiries : No inquiries are currently being disputed with Equifax.

Late Payments / Positive Accounts : No additional disputes at this time. 

XXXX  ( XXXX ) Disputed Accounts ( Charged Off ) : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$3800.00} Issue : I dispute this charge-off entry. Please verify account ownership, balance accuracy, and date of charge-off. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Issue : This account appears to be inaccurately listed or duplicated. Please verify that this account legitimately belongs to me and confirm why it remains on file with a {$0.00} balance. 

Inquiries : No inquiries are currently being disputed with XXXX. 

Late Payments / Positive Accounts : No additional disputes at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I mailed written disputes regarding inaccurate credit reporting, including multiple tradelines reporting inaccurate or unverifiable late payments, accounts impacted by identity theft or data breaches, and multiple impermissible credit inquiries. Despite my disputes, the inaccurate information remains.

The issues reflect a pattern of continued reporting without adequate investigation, including late payment history that is inaccurate or stale and continues to be reported as current, as well as credit inquiries that appear unauthorized or lacking a permissible purpose. I declined to proceed after being presented with materially different or misleading terms.

I requested investigation, correction or deletion, and written verification. As of today, no adequate investigation results have been provided, and the inaccurate information continues to be reported, causing ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CO

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: KY

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX Status : Open ; contains XXXX late payments ( XXXX and XX/XX/XXXX ). 

XXXXXXXX XXXX XXXX Status : Open ; contains XXXX late payments and is currently " not more than XXXX payments past due '' with a {$38.00} past due amount. 

XXXX XXXX Status : Closed ; " Charge-off '' with XXXX potentially negative months. 

XXXX Status : Open ; " Credit line suspended ''. 

XXXX XXXX XXXX Status : Collection. 

XXXX XXXX XXXX XXXX Status : Collection. 

XXXX XXXX XXXX Status : Collection. 

XXXX XXXX Status : Collection. 

Hard Inquiries The report lists the following hard inquiries within the last XXXX years : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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