vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: TX

Complaint narrative:
State of TEXAS XXXX XXXX XXXX Data Breach XXXX Experian XXXX XXXX XXXX XXXX XXXX I write as a documented Texas Pro Se consumer impacted bv identity theft arising from the XXXX  and XXXX XXXX data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent.

I demand the removal of fraudulent items appearing on my personal credit report. For months, I have communicated to your agency that the accounts listed does not belong to me. These accounts stem from theft, a crime of which I am a victim. Your agency received materials, yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and continue sending stall letters, which is frivolous. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed Identity theft report for your reference. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. Under the Fair Credit Reporting Act ( FCRA ), I am asserting my right to an accurate and fair representation of my creditworthiness. I expect your agency to conduct a thorough investigation into these discrepancies and to remove the fraudulent items without delay. These accounts were opened in my name without my knowledge and continue to damage my personal character and financial well-being. Pursuant to the FCRA, credit reporting agencies are obligated to expunge fraudulent information within four business days of receiving proper documentation. It is clear that you have failed to fulfill this legal responsibility.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXXPrior to XXXX XXXX XXXX: Santander automatically signed me up on paperless statements without my approval when I opened up my credit card and did a balance transfer offer that ended XXXX XXXX XXXXI noticed the fees in XXXX XXXX  and contacted the credit card company on XXXX (ref XXXX) to dispute the interest fees in XXXX. I a paid the account in full and explained that if I knew the balance transfer had expired, I would have paid in full.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX more than XXXX fees charged without my knowledge, After 2 weeks, Santander refunded me a portion of these fees, XXXX, and charged me another fee in XXXX  after the balance was paid in fullXXXXStarting from XXXX XXXX to present XXXX XXXX, Santander continued to charge me XXXX autopay on my XXXX balance, (have not used this credit card for any purchases). Each month, I continued to request to STOP the autopay of XXXX.  Each time, I had to spend 40+ minutes on the phone to discuss (5 months), then wait for a paper check of XXXX to be refundedXXXXEach time I called, each representative told me it was not coming from Santander and coming from an external account. In XXXX XXXX I logged into my XXXX  checking account and confirmed a STOP autopay.  The last bill pay from XXXX  was taken XXXX XXXXIt is XXXX, and I received ANOTHER XXXX purchase fee from Santander credit card.  I logged into my XXXX  checking and confirmed that there is no Bill Pay or autopay coming from this account.  XXXX  is our primary checking account and all bills are paid though this account.  I have to call yet again 40+ minutes on the phone without resolution and wait another 2 weeks to receive reimbursement for another fraudulent, unapproved XXXX charge on this credit card I have not used since account opening in XXXX XXXX XXXX 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 2025-12-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report an issue I encountered with my recent XXXX reservation ( Confirmation Code : XXXX ) from XX/XX/year>, to XX/XX/year>. 

Upon arrival, I discovered that the townhouse was misrepresented in the photos. While I initially overlooked this, my concerns escalated when I encountered a significant pest problem. Throughout our stay, I found at least one cockroach daily. Five days before our departure, we found three cockroaches on the kitchen island, leading me to conclude that the property was infested and potentially unsafe. 

I contacted the XXXX host, who offered to send someone for pest control, which I declined, preferring not to have pest control in the unit while I am on vacation. That same day, my family and I left the property. Shortly after, I received a message from the host with inside unit picture to address a leak, which I found unacceptable as it violated my privacy. 

I contacted XXXX help desk to explain the situation regarding the pest issue and the unauthorized entry. They promptly moved my family to another property that night. However, when I requested a full refund for the distress and unhealthy living conditions, I was only refunded for the last four nights of our stay.

I disputed the charges with my bank, as I do not believe I should be responsible for a place infested with cockroaches, misleadingly advertised, and where my privacy was violated. I have filed three disputes, each time receiving the same response : Based on available information, we determined you agreed to the merchant 's terms and conditions at the time of purchase, and no refund or credit is due. 

I have repeatedly requested documentation showing where I agreed to the terms that would allow for such living conditions and unauthorized entry under the pretext of an " emergency. '' Despite my inquiries, I have not received a satisfactory response. 

This situation has caused me significant stress, especially when we had to relocate just four days before the end of our vacation. I am demanding that my credit card company provide evidence of any terms and conditions I allegedly agreed to regarding the living conditions and unauthorized access to the rented unit as well I am demanding total refund since I dont want to be charged for all stress my family and me survived and I am still having a stressful day every time I have to deal with this transaction and a bank. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE XXXX INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE XXXX INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
To whom it may concern, I have a Credit card with Capital One since XXXX... But For some Reason I can not seem to Pay it off ... Because the Fees are so XXXX  HIGH .... From Member fees {$59.00} to INTEREST Fees {$32.00} is it possible I can Get back most of these fees? Because my Balance can not go down like this. my card ending in XXXX so they don't cant act like they do't know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am sending a debt validation letter to the company 's attorney by way of certified mail as well as an email copy. They have sent me a subpoena by way of XXXX XXXX XXXX XXXX XXXX in XX/XX/year> to inform me that I as being sued for such debt. XXXX XXXX XXXX XXXX XXXX filed this action on or about XX/XX/year> ( Case No : XXXX ), alleging credit was extended to the Defendant in the form of the original creditor. They Further stated that It I used the card, but failed to make payments as agreed, and the card was charged off and sold to XXXX XXXX XXXX XXXX XXXX. Despite requests for repayments, the account is still delinquent in the amounts of {$2300.00}.

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 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I attend XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. After receiving my degree, my student loans payments were handled through XXXX. Then in XXXX XXXX took over my payments until XXXX when Nelnet assumed ownership of payments. 

Over the course of the years after XXXX, XXXX XXXX for XXXX XXXX closed and was reopened as XXXX XXXX XXXX. Over the course of several years, XXXX XXXX was hit with several lawsuits. 

XXXX XXXX has faced lawsuits related to misleading job placement data and other allegations of misconduct, particularly regarding the effectiveness of its programs. In XXXX, a notable case involved a breach of contract claim against XXXX XXXX XXXX, which had acquired XXXX XXXX, highlighting issues with student benefits and employment outcomes. 

XXXX XXXX also did not fulfill their obligation of job placement after graduation leading me to seek other employment outside of my certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
An account was opened in my name at Bank Of America. I am not sure of the day it was opened but it was closed on XX/XX/year> with a balance of {$830.00}. I have sent the company an identity theft report in regard to this account. The company has made no attempt in remove this account from my XXXX  record.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: PA

Complaint narrative:
As a new immigrant, I came to open an account with KeyBank in their branch in XXXXXXXX XXXX, which was restricted for address verification XXXX week later. I submitted all valid documentation available to me, including my XXXX XXXX  and passport, a Social Security Administration letter confirming delivery of my Social Security card to my address, a DMV-issued driving permit with my photo, and multiple paychecks showing my current address. All of them got refused by their XXXX department. KeyBanks policies are not immigrant-friendly. New immigrants typically do not have the forms of identification KeyBank expects, such as a drivers license, mortgage statement, or notarized lease. Many other banks accept a DMV-issued driving permit for verification, yet KeyBank refused to do so.

KeyBanks XXXX department rejected these documents and placed a restriction that prevents me from accessing my funds, withdrawing my deposit, or closing the account. I visited the KeyBank branch in XXXXXXXX XXXX, where I was told the restriction would be lifted to allow account closure. That has not happened. 

I have contacted KeyBank multiple times to ask when I would be able to close the account and get my money back. Each time, I was told I would receive a callback the following week, which never occurred. 

More than XXXX months have passed since I opened the account and deposited my money, yet KeyBank continues to hold my funds with no resolution. This is unacceptable. 

I am demanding immediate closure of the accounts ( saving and checking ) and release of my funds so I can move my money to a more immigration-friendly bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Tilt Finance, Inc.
State: MS

Complaint narrative:
XXXX missed payment - Empower changes named to Tilt. I requested to removed the XXXX payment or extension and I did not received a response of validation after the company went bankrupt and I payed on time before unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-27 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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