vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I took out a car loan with Santander Consumer USA in XX/XX/year>. The interest rate was about 26.61 % APR ; that's extremely high for an auto loan, especially after paying off my previous vehicle in full roughly a year prior from a " buy here pay here '' ( which was way more favorable that Santander 's terms ) Since then, Ive made over XXXX payments, adding up to more than {$4600.00}. Some of my more recent payments include {$390.00}, {$520.00}, and {$220.00}. 
Despite all that, my loan balance has barely moved it went from about {$25000.00} to {$24000.00} after almost a full year of payments. 

Only XXXX payment ever actually touched the principal. Every other payment I made was swallowed up by interest or unexplained fees. None of the payments really reduced my actual loan amount. 

There are other problems too : - Santanders website doesnt even show a working payment breakdown. When I try to see where my money is going, the button doesnt work. ( I have screenshots. ) - Fees and late charges have been added without clear explanation or consistent communication. There's also a mystery " fee '' which is never decreasing, and I'm being given no way to decide where my payments are allocated ; when I call, they only refer me to the website, which again, gives me no options to pay principal only ( which wouldn't affect the due date ), the opportunity to pay XXXX months of the installment ( which would buy me an extra month ) or address the fee by itself. These points outlined seem extremely deceptive and intentionally ambiguous. 

- The way the loan is structured ; with such a high interest rate and the way payments are applied feels designed to trap borrowers in endless debt. 

I believe this could be a violation of the Truth in Lending Act as well as the XXXX rules. With all that being said, Im asking the CFPB to : - Fully investigate Santander XXXX XXXX XXXX practices for violations of the Truth in Lending Act ( TILA ) and UDAAP. 

- XXXX and expose how interest, fees, and payments have been structured and misapplied. 

- Require Santander to disclose complete payment histories and correct all improper or hidden interest allocations.

- Review whether Santanders practices show a systemic pattern of abusive auto loan servicing, trapping borrowers into high-interest, non-amortizing debt structures.

If this is a bigger pattern affecting other borrowers too, I would love to be of further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: FL

Complaint narrative:
Cease and Desist Dear XXXX XXXX XXXX XXXX ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Since a couple of weeks ago, Ive noticed that my online account with MACU ( Mountain America Credit Union ) is locked out, so Im not able to access or see my accounts ( Checking, Savings, CDs, a credit card, and daughters minor accounts ) or my monthly statements.

I have contacted MACU on XX/XX/year> and on XX/XX/year> by phone, only to be told that the XXXX is unable to unlock my account and that someone will be getting back to me within XXXX business hours ( I.e., within XXXX weeks, as a workday is XXXX business hours ) regarding this issue. I have also contacted MACU via online form, by e-mailing the person at MACU who originally worked with me to set up my accounts, as well as via XXXX. All to no avail. As of today, XX/XX/year> evening, no one has contacted me about this issue as of yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO closed my credit card due to inactivity. Closure occured in XX/XX/XXXX. 

Later I received a cash back statement stating I owe {$1.00} from a transaction made in XX/XX/XXXX. I believe this is cashback adjustment due to a return? from XXXX. I called BMO to let them know the 4 year mark to collect this debt passed and their customer service waived the {$1.00}. But then BMO called me back and stated they would not be honoring the waiver and I would have to make this payment. I again reminded them of the stance California takes on this issue. More info on this can be found here. 

https XXXX XXXX I will pay this {$1.00} to avoid any impacts to my credit history or score but I am doing so under the threat of this affecting my credit even when BMO is past the date to collect the debt. I am 100 % sure BMO will refer this to collections and affect my credit score and history ( which is spotless ) even when they have to business or any right left to do so.

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 2025-04-27 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-27 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/XXXX XXXX, XXXX  my cash app account was compromised resulting in XXXX total Unauthorized transactions in the amount of {$25000.00}. Cash App successfully reimbursed a {$7000.00} unauthorized bank transfer. Cash app allow me access into my account $ XXXX which was fraudulent changed to $ XXXX by providing my cash card XXXX digit numbers to regain access and withdraw those funds in which I did but as I'm in my account I discovered unauthorized p2p payments I didn't recognize I dispute and cash app sends me through loop hold blames me for fraud while other account specialist admits the fraud and secures my account but only linked my number out XXXX and now I don't have access the second time. But I still have copies of those Unauthorized transactions I've downloaded also printed copies of my account statement for XX/XX/year>. Also have copy of reply from cash app to Alabama State Attorney Generals office where they admitted fraud and also the very exact amount. Under the EFTA I continue to pursue fair resolution by reimbursement of the continued amount of Unauthorized Transactions also fees and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
XXXX'I am filing this complaint against Experian Information Solutions, Inc. for failing to conduct a reasonable reinvestigation of disputed information, as required under the Fair Credit Reporting Act (FCRA) 1681iXXXX XXXX XXXX XXXX I submitted formal disputes regarding accounts reported under XXXX XXXX XXXX XXXX XXXX on my Experian credit report. Experian marked these investigations as completed by XXXX XXXX XXXX  within just two (2) days. This extremely short timeframe raises serious concerns that Experian did not conduct a real or reasonable investigation as required by law.XXXXFCRA 1681i mandates that a consumer reporting agency must perform a reasonable reinvestigation when a consumer disputes information. Courts have held, including in XXXX XXXX. Experian Information Solutions, Inc., XXXX XXXX XXXX XXXX XXXX XXXX), that Experian cannot solely rely on automated XXXX responses without conducting an independent review. Additionally, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX decision makes it clear that parroting information from furnishers without true verification violates the FCRA.\n\nI sent a formal letter to Experian via Certified Mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting a proper reinvestigation and preservation of records. I am concerned that Experian is engaging in superficial investigations that do not meet legal requirements and are harming my ability to maintain accurate credit records.\n\nI respectfully request that the Consumer Financial Protection Bureau investigate Experians dispute-handling practices, require a proper reinvestigation of my disputed accounts, and ensure that Experian fully complies with the FCRA for all consumer disputesXXXXThank you for your attention to 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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Cease and Desist Dear CAPIO PARTNERS LLC, ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
inconsistent reporting from XXXX and XXXXXXXX scoring companies which is causing a financial hinderance and damaging my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: CA

Complaint narrative:
inconsistent reporting from XXXX and XXXXXXXX scoring companies which is causing a financial hinderance and damaging my financial reputation.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. CXXXXe XXXXb Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-04-27 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: French Financial, Inc.
State: TX

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
I asked XXXX about XXXX XXXX and received a general estimate on how much it would cost monthly. I was promised that I did not sign up for anything, nor would I be signed up or billed for anything. 

I received multiple calls and emails regarding my debt to XXXX XXXX. I contacted XXXX  and was told, multiple times, that I no longer have XXXX XXXX attached to my account, that my debt would be removed, and that their system showed that I did not use XXXX XXXX. 

I have requested chat logs, and emails to confirm that XXXX XXXX and the mobile debt were removed. I did not receive these. 

I received an email today from a debt collector ( Sequium Asset Solutions ) regarding the xfinity mobile debt. I told them to contact XXXX as this was fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief