vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer due to their failure to post a cleared auto loan payoff check in a timely manner. The payoff check cleared by the insurance company bank on XX/XX/year>, yet as of XX/XX/year>, the payment has not been applied to my loan account. This delay has caused significant financial hardship, including {$1800.00} in rental expenses, and has prevented me from obtaining financing for a new vehicle. 

Details of the Issue : Lenders Name : Santander Consumer USA Date the Check Cleared : XX/XX/year> Despite multiple attempts to resolve the issue directly with the lender, including phone calls, the payment has still not been posted. The lender has not provided an explanation for the delay, and this is now approaching the critical 30-day mark, which may lead to a negative credit impact if not resolved immediately.

Impact of the Delay : {$1800.00} incurred in rental car expenses due to being unable to purchase a new vehicle. 
Late on Bills What I Am Requesting : Immediate investigation and assistance in ensuring the lender posts the cleared payment to my account.

Confirmation that no late payment will be reported to the credit bureaus due to this delay.

Consideration of reimbursement for a portion of the rental expenses caused by the lenders negligence.

Extended Warranty Refund I appreciate your attention to this matter and am happy to provide any further documentation you may require, including proof of the cleared check and my correspondence with the lender. 

Thank you for your assistance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: PA

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-02-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles when handling disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Regions and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these findings was infeasible. There CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: SC

Complaint narrative:
I am a victim of XX/XX/XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: First Technology Federal Credit Union
State: RI

Complaint narrative:
ON XX/XX/XXXX A CHARGE WAS POSTED TO MY FIRST TECH CREDIT CARD FOR XXXX  WHICH I DID NOT CHARGE NOR AUTHORIZE. I REPORTED SAME TO FT AT THAT TIME IN ORDER TO DISPUTE THE {$69.00}. I TRIED CALLING THE PHONE XXXX XXXX XXXX XXXX XXXX  ON THE BILL FOR WHICH THE {$69.00} TRANSACTION WAS POSTED. THE PHONE # DOES NOT PROCESS THROUGH SO IT IS FRAUDULENT. SINCE XXXX FIRST TECH TOOK MY DISPUTE REPORT BUT SINCE THAT TIME HAS NOT RESOLVED THE ISSUE ON MY BEHALF AND I RECEIVED A STATEMENT BILLING WITH A DUE DATE FOR XX/XX/XXXX FOR THE CHARGE OF {$69.00} PLUS INTEREST. I REPORTED THIS MATTER TO XXXX TODAY WHO FILED A DISPUTE ON MY BEHALF AS I DON'T WANT THIS FRAUDULENT CHARGE AND FIRST TECH 'S ATTEMPT TO COLLECT FROM ME TO INTERFERE WITH MY GOOD CREDIT STANDING. I AM UNCLEAR AS TO WHY FIRST TECH IS NOW CONTINUING TO COLLECT THIS CHARGE FROM ME. PLEASE HELP TO RESOLVE THIS ISSUE ON MY BEHALF.

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 2025-02-10 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
Data Breach Ive already sent report to Federal Trade Commission. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law that affords parents the right to have access to their childrens education records, the right to seek to have the records amended, and the right to have some control over the disclosure of personally identifiable information from the education records. When a student turns XXXX XXXX XXXX, or enters a postsecondary institution at any age, the rights under FERPA transfer from the parents to the student ( eligible student ). The FERPA statute is found at 20 U.S.C. 1232g and the FERPA regulations are found at 34 CFR Part 99.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-10 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: CA

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 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 2025-02-10 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: NJ

Complaint narrative:
I checked my credit report and noticed there are Multiple accounts in my name that I did not authorize Someone stole my identity and was arrested for it

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 2025-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am writing to file a complaint against JPMorgan Chase Bank regarding a chargeback dispute and the significant delays in my refund process, which have caused additional financial burden in the form of interest charges. 
In XX/XX/XXXX, I initiated a chargeback for a transaction with XXXX. The merchant assured me they would issue a refund if I canceled the chargeback. Based on this promise, I canceled the chargeback on XX/XX/XXXX, while it was still in process with XXXX. However, XXXX accepted the chargeback on XX/XX/XXXX, and since I had canceled it before the outcome, Chase sent the funds back to the merchant 's bank on XX/XX/XXXX. 
Unfortunately, the refund got stuck in the merchant 's bank and was not processed to XXXXXXXX XXXX account. XXXX could not locate the refund and repeatedly told me to reach out to my bank, claiming they lost the dispute. However, my bank confirmed that the funds were returned to the merchants bank, as I had canceled the chargeback before the final outcome. 
In an attempt to resolve this, I requested assistance from Chase. Initially, Chase declined to provide further help. When further complications arose, I raised the issue with the XXXX XXXX XXXX XXXX XXXX XXXX, and on XX/XX/XXXX, Chase provided a custom letter confirming that the funds had been transferred to the merchant 's bank on XX/XX/XXXX and again on XX/XX/XXXX, Chase issued another letter confirming the transfer. 
With this documentation, I was able to reach out to XXXX, and their finance team successfully contacted the merchant bank to confirm that the refund could finally be processed. However, the delay caused by both the merchant and Chase led to a significant amount of interest being accrued. 
As a result of this prolonged process, I have incurred interest charges of {$550.00} on the amount of {$3900.00} at an APR XXXX XXXX XXXX XXXX XXXX XXXX XXXX to today. This delay in processing the refund and the associated interest charges have caused unnecessary financial strain, and I believe the chase bank also shares some responsibility for the delay. 
I respectfully request that the CFPB investigate this matter and assist in addressing the unfair interest charges Ive incurred due to the delay in resolving this refund. 
Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX # XXXX - Opened on XXXX/XXXX/2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: CA

Complaint narrative:
The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately 35 % of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record.

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-10 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX 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 non-monetary relief
Consumer complaint received 2025-02-10 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has already 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 response to consumer: Closed with explanation
Consumer complaint received 2025-02-10 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-02-10 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: TN

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 2025-02-10 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: TN

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 non-monetary relief
Consumer complaint received 2025-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I believe there has been unauthorized access to student loan information, possibly involving internal CFPB systems and data related to federal student loans. Reports suggest that XXXX XXXX or individuals under his direction have accessed sensitive personal financial data without proper authorization or consent. This raises concerns about privacy violations, data misuse, and the handling of confidential loan information. 

The situation has caused significant distress as it may have impacted not only my personal information but also the data of millions of other borrowers. I am requesting a thorough investigation into whether my data was accessed, how it may have been used, and what steps will be taken to address this potential breach of privacy. 

Please investigate this matter urgently and provide clarity on how the CFPB is protecting the personal information of borrowers like myself.

Company response to consumer: Closed with explanation