vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for XXXX  days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, a lack of accountability and compliance with federal consumer protection Laws.

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 2025-04-26 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Santander Consumer USA regarding the reporting of negative payment history on my closed auto loan account ( Account XXXX. XXXX ). 

Between XX/XX/XXXX and XX/XX/XXXX, I was a documented victim of XXXX XXXX which severely affected my financial stability. This hardship is confirmed by my attached self-attestation letter. 

Despite notifying Santander of my situation and requesting a goodwill adjustment and investigation, the negative payment history reflecting XXXX days late continues to appear on my credit reports ( XXXX XXXX XXXX XXXX XXXX. I believe this reporting fails to fairly account for the extraordinary circumstances of my hardship. 

I respectfully request that the CFPB assist in ensuring that Santander Consumer USA fully reviews and appropriately adjusts or removes the derogatory reporting on my credit file, in light of my documented victim status and the lasting impact on my financial health. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX XXXX, and I am demanding immediate action regarding fraudulent activity that has been allowed to appear on my credit file. As a victim of identity theft, I am appalled by the exposure of my personal information in your data breach, resulting in unauthorized accounts opened in my name. The sheer negligence in securing my data is absolutely unacceptable. I did not authorize the following accounts or inquiries, and under 15 USC 1681-2 ( a ), you are legally required to block them immediately

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 2025-04-26 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:
" I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS. Please have these remarks on credit report be removed and update the account as positive as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SOUTHSTATE BANK CORPORATION
State: AL

Complaint narrative:
Ive been with Southstate Bank when they were Center state and initially XXXX XXXX. ( Over 15 years ) This year I calculated over {$1500.00} in overdraft and non sufficient fund fees. It seems to be the timing that charges hit the account or post. At times they would say they couldnt refund any fees because they give only 1 or 2 a year that wasnt their fault. I could have the money in my savings and it still overdrafts causing excessive fees. This caused me not to get a mortgage loan because they said they wanted to see 6 months with no overdrafts or non sufficient fees. In some cases, it may have been my fault. In other cases, not my fault. I did recover some fees when I walked into the building to speak with a XXXX agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
After the car was sold at auction I was never provided with a 1099c. When I requested a copy I was never given one. I would like to formally request a copy of my 1099c.

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 2025-04-26 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: OH

Complaint narrative:
I recently reached out to " Transunion '' Equifax, And Experian, '' because I notice that this agency has furnished XXXX XXXX XXXX XXXX  Ref. # XXXX and Ref. # XXXX on my credit report and they indicated to me that they have verified this information to be accurate stating " they have verified this information with the Court '' File ID # XXXX. I have contacted the court and have enclosed their response, Herein. ( See uploaded document ) It is clear that the Courts " Do Not '' report to this credit reporting agency or any credit Bureau for that matter : Therefore, their initial response verifying these items with the court was Either an Error or a Lie. 

Either way,, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681 I ). and this information must be deleted immediately.

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 2025-04-26 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: OH

Complaint narrative:
I recently reached out to " Transunion '' Equifax, And Experian, '' because I notice that this agency has furnished XXXX XXXX XXXX XXXX  Ref. # XXXX and Ref. # XXXX on my credit report and they indicated to me that they have verified this information to be accurate stating " they have verified this information with the Court '' File ID # XXXX. I have contacted the court and have enclosed their response, Herein. ( See uploaded document ) It is clear that the Courts " Do Not '' report to this credit reporting agency or any credit Bureau for that matter : Therefore, their initial response verifying these items with the court was Either an Error or a Lie. 

Either way,, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681 I ). and this information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I opened an account and over XXXX was deposited into my account I didn't receive my debit card until XX/XX/year> and by XX/XX/XXXX my money was all gone On XXXX XXXX I transferred XXXX into savings which left me XXXX in checking and that balance never hit XXXX  by XX/XX/XXXX they started withdrawing from my savings for overdraft protection the problem is that there was no reason to withdraw from my savings they made an error in which they withdrawl from both checking and savings accounts I have told them about this and each time they give different excuses and change the bank statements online for me to see it is fraud what they are doing and have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously submitted a CFPB complaint regarding a fraudulent Capital One account opened without my authorization. As a result of that complaint, Capital One removed the hard inquiry and deleted the fraudulent account from my credit reports. 

However, when I requested documentation related to the fraudulent account ( such as where and how it was opened, which form of identity was used, and who authorized it ), Capital One refused to provide the requested information unless I submitted a notarized statement along with two forms of personal identification ( e.g., drivers license and Social Security card ). 

Capital One has already acknowledged the account was unauthorized by deleting it. Requiring additional, burdensome steps especially after admitting the account was fraudulent appears to be an intentional delay and obstruction tactic to withhold information I am legally entitled to under the FCRA and FACTA. 

I am requesting the CFPBs assistance in : Compelling Capital One to provide full documentation related to the fraudulent account without unnecessary barriers. 
Investigating whether Capital Ones handling of this matter, including their documentation retention and internal fraud controls, violated any consumer protection laws. 

I am maintaining full records of all communications for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. ) There is a bill that I was said to have owed in the amount of {$1600.00} from XXXX XXXX. This is inaccurate! I paid this payment off. My rent balance was {$880.00} a month. What I paid was my full rent plus any late fees due to my back from being late in payment. Below, I have bank statements stating that the remaining balance has been paid in the month of XXXX which was my last payment made to this apartment complex. Can you please remove this from my credit please? Thank you! 

Secondly, XXXX  XXXX XXXX  has me down as owing a balance of {$65.00} which, when I learned of this payment.. I went a made this payment to the XXXX XXXX in the form of money order. Please, remove this from my credit report? Thank 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute a collection account being reported on my credit file by XXXX XXXX XXXX, as shown on my credit reports from Equifax, TransUnion, and Experian. The account details are : Original Lender : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/year> Original Balance : {$2200.00} Current Balance : {$2200.00} I dispute the accuracy and validity of this account for the following reasons : 1. Verification Request : The reporting entity has not provided verifiable proof that the alleged debt belongs to me, nor that they have the legal right to collect this debt. 
XXXX. Incomplete Information : The agency information varies across the credit bureaus, raising concerns regarding data accuracy and integrity. 
XXXX. Potential Violations : Reporting inaccurate or unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute a collection account being reported on my credit file by XXXX XXXX XXXX, as shown on my credit reports from Equifax, TransUnion, and Experian. The account details are : Original Lender : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/year> Original Balance : {$2200.00} Current Balance : {$2200.00} I dispute the accuracy and validity of this account for the following reasons : 1. Verification Request : The reporting entity has not provided verifiable proof that the alleged debt belongs to me, nor that they have the legal right to collect this debt. 
XXXX. Incomplete Information : The agency information varies across the credit bureaus, raising concerns regarding data accuracy and integrity. 
XXXX. Potential Violations : Reporting inaccurate or unverifiable information is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
ON the letter it is dated XX/XX/year> for the amount of {$3000.00} and the address on the report is also wrong from XXXX XXXX XXXX XXXX XXXX. 


15 U.S. Code $ 1681c-2 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, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
ON the letter it is dated XX/XX/year> for the amount of {$3000.00} and the address on the report is also wrong from XXXX XXXX XXXX XXXX XXXX. 


15 U.S. Code $ 1681c-2 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, not later than 4 days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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:
Earlier today, I discovered several incorrect accounts appearing on my credit report without any explanation. I regularly review my report, but today I noticed inconsistencies that weren't there before. I attempted to refresh my browser in case it was a temporary error, but the inaccuracies persisted. Therefore, I am requesting a detailed review of the documents I've provided to ensure this problem is resolved once and for all.

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 2025-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/XXXX I received notification that my school loans were being XXXX based on an XXXX finding that XXXX  XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. 

This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, XXXX has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above. 
Borrowers do not need to file an application for the loans from the XXXX XXXX during this period to be XXXX. You also may receive a refund for prior payments made to XXXX on the loan ( s ) being XXXX. Your loan servicer will let you know if you are eligible for a payment refund, which may be mailed to you or sent electronically. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. 

I have contacted the XXXXXXXX XXXX XXXX XXXX  and they told me to contact the loan servicer which is currently Mohela and they have not provided me and update on when this discharge will be reported to my credit. This delay is causing me a great deal of financial hardships due to the fact that I cant get stable housing or purchase a home because of the debt being reported to my credit file. Any time I inquire about renting a home or purchasing a home I am rejected and I am on the verge of being homeless with my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NV

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with non-monetary relief