vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: NY

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
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

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 2025-09-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( Last XXXX ) : XXXX XXXX ] To Whom It May Concern, I, XXXX XXXX XXXX XXXX XXXX authorize Experian Information Solutions Inc. , Equifax Information Services LLC , and TransUnion Information Services LLC to fully investigate and respond to the consumer complaint I submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, Complaint # XXXX. 

This authorization includes access to my credit file, investigation of disputed accounts, and any necessary corrections or deletions in compliance with the Fair Credit Reporting Act ( FCRA ). 

The complaint concerns inaccurate reporting of settled or paid accounts that continue to appear as active collections or charge-offs. Supporting documentation has already been provided through the CFPB complaint portal. 

Please treat this letter as my formal authorization to proceed with your investigation and response to the CFPB. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding my auto loan with Santander Consumer USA. 

On Tuesday, XX/XX/XXXX of 2025, I spoke with a Santander supervisor regarding my concerns that my loan may be predatory. The supervisor stated, on behalf of Santander, that after reviewing my account he determined my loan was not predatory. His reasoning was based solely on the fact that I have made 31 payments on the loan. He specifically stated that he represents Santander in making this determination.

This explanation does not seem accurate or sufficient. My account history shows that I am currently two months behind on payments and have had 16 late payments overall. The loan terms have been consistently unaffordable, which is what caused the repeated delinquencies. 

I recently called Santander again to request a copy of the recording of this conversation for my records. My request was completely denied, and I was told I could not receive a copy of the recording. 

I believe Santander is dismissing valid consumer concerns about predatory lending with generic reasoning and is withholding documentation of customer interactions that would clarify what was stated. I am requesting that regulators review the origination and servicing of my loan, the supervisors statements, and Santanders refusal to provide the call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
Please delete these inaccurate accounts within 15 days in compliance with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
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
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: CT

Complaint narrative:
On XX/XX/year> I received an email from upgrade/ CRB that my Rewards Checking XXXX has been suspended due to suspicious activity. I called them several times asking for the reason for suspension and their response was " something caused your account to be flagged, we can't remove the restriction, nor can we have contact with fraud department that is investigating your account ''. 
Any activity was stopped, I understand the process, I didn't agree but understood. After 10 days of suspension I received an email stating that " after carefully reviewing your account we are going to terminate your account within 10 days. I asked for reasons, no given just a response : per our terms. You have 10 days to remove money from acct. 
I have been with upgrade for over a year, and have done nothing suspicious or illegal in my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
In accordance with the fair credit reporting act : 15 U.S.Code 1681 section 602 A States I have the rigth to privacy 15 U.S.Code 1681 section 604 A Section 2 : it also States a consumer reporting can not furnish a account without my written instructions.

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 2025-09-16 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:
In accordance with the fair credit reporting act : 15 U.S.Code 1681 section 602 A States I have the rigth to privacy 15 U.S.Code 1681 section 604 A Section 2 : it also States a consumer reporting can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: FL

Complaint narrative:
When I went into the dealership to buy a car, I signed a document not knowing it activated the agreement before even seeing it on paper. On the top of the paper work I didnt know what it meant when saying Intrest loan.i bought the car in XXXX of XXXX  for XXXX. I have made almost XXXX in payments and my balance on the car is now XXXX. I have been 30 days late in paying due to a confusion. I asked my car insurance about Gap insurance because at this rate if something happens this car apparently is not getting paid off. My insurance does not cover this. When I spoke to Global lending and told them that they nor the dealer explained what kind of contract this was and if I can have a different deal they simply said its at the top. I cant transfer this to another fianace department because someone made a mistake on my credit report and said my house was a XXXX when in fact it was only XXXX. This of course brought my credit score from XXXX down to XXXX and the credit bureau fixed the amount but not my score. I feel due to my score at the time of purchase I was taken advantage of and looking to see what options as a consumer I have or rights fit that matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The investigation did not fix any error on 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 2025-09-16 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: GA

Complaint narrative:
The investigation did not fix any error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I just learned that Transunion credit bureau was hacked in XXXX and the company didnt notify me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Global Lending Services LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, we applied for financing through Global Lending Services ( GLS ) in connection with our purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, XXXX XXXX XXXX 

GLS declined ( loan expired ) funding of the loan because dealer failed to submit buyer materials, but has failed to provide a Notice of Adverse Action ( NAA ) as required under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, and Regulation B, 12 C.F.R. 1002.9.

We made four formal requests to GLS, both by email and certified mail, most recently setting a XX/XX/XXXX deadline. That deadline has now passed without any XXXX being issued. A Massachusetts General Law c. 93A demand letter submitted on XX/XX/XXXX. 

This refusal is a clear violation of federal law. The absence of an XXXX has allowed the dealership ( Armory ) to misrepresent the status of the transaction and claim ongoing rights under a XXXX XXXX XXXX XXXX that never became operative. This has caused us harm, including : Deprivation of federally required disclosures, Exposure to repeated threats from the dealer to report our Jeep as stolen, Using a nonoperative Retail Installment Sales Contact as a fall back mechanism to intimidate us into returning vehicle ( XXXX XXXX XXXX schemes ). 

Ongoing legal costs and time defending our ownership rights ( titled under XXXX XXXX XXXX XXXX XXXX ). Now facing a civil action filed in New York Supreme Court XXXX XXXX of XXXX ) ; dealer seeks injunctive relief and replevin. 

We request that the CFPB investigate XXXX XXXX XXXX noncompliance, compel immediate issuance of the XXXX, and impose appropriate corrective and enforcement action. 

Desired Resolution Immediate issuance of a proper Notice of Adverse Action addressed to us and the Massachusetts XXXX XXXX XXXX XXXX. 

Confirmation that GLS does not hold and will not assert any XXXX, title, or security interest in the XXXX currently titled in Massachusetts. 

Assurance that GLS will comply with ECOA/Reg B obligations in the future. 

Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, my identity was hacked and an unauthorized order of over {$300.00} was placed using my Chase account ending in [ last XXXX digits ]. I reported the fraud immediately. Chase sent me letters dated XX/XX/XXXX and XX/XX/year>, but they did not resolve the issue or provide a clear explanation. I am requesting reimbursement of the fraudulent charge, a written explanation of the investigation, and assurance that my account will be protected from further unauthorized use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
I hereby challenge entries associated with accounts not established by me. Kindly perform a comprehensive review and expunge these items. Relevant documentation is attached.

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 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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