vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I signed a Retail Installment Contract ( RIC ) with XXXX XXXX XXXX for the purchase of a XXXX XXXX XXXX, financed for {$30000.00}. The contract contained an incomplete assignment, which failed to validly transfer rights to Santander Consumer USA Inc . Despite this defect, Santander has continued to attempt to enforce the agreement. 

After misplacing my original RIC, I requested a copy from Santander. On XX/XX/XXXX, Santander mailed me a document that purported to be the original RIC. Upon review, I noticed significant discrepancies, leading me to file a CFPB complaint on XX/XX/XXXX. Santander responded on XX/XX/XXXX, providing a version that matched the XX/XX/XXXX, RIC. 

On XX/XX/XXXX, Santander provided yet another version of the RIC through its CFPB response, but this document differed from both the original RIC and the version provided earlier, adding further inconsistencies. Santander also included a separate assignment document, attempting to cure the incomplete assignment, but this document contained mismatched dates, missing information, and did not resolve the issue. 

Key issues with Santanders provided documents : Forgery : The signature on the XX/XX/XXXX, document does not match my actual signature. 
Altered Assignment Clause : The original RIC contained an incomplete assignment, while the newly provided version omitted it entirely. 
Inconsistent Representative Signatures : The signatures of Santanders representatives vary across different documents. 
Defective Assignment Document : Santanders attempt to introduce a separate assignment document did not fix the incomplete assignment and only created more discrepancies. 
These issues raise concerns about potential fraud and misrepresentation in Santanders attempts to enforce a contract that appears invalid and unenforceable due to its incomplete assignment and discrepancies in provided documents. 

Santanders actions have caused me financial harm and prevented me from disputing the debt properly. I made payments totaling {$5100.00} under what I now believe to be an invalid agreement, and the misrepresentations have negatively affected my ability to obtain alternative financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I scheduled an appointment with XXXX XXXX at Citizens Bank to discuss a loan options. Please see Citizens Bank Appt attachment. I disclosed to XXXX that I own a property with a market value of $ XXXX and principal loan balance of {$110000.00}. XXXX suggestion I apply for a Home Equity Line Credit ( HELOC ) .He stated I only need a credit score of XXXX to be approved. 

On XX/XX/XXXX, I was verbally told by XXXX my loan was denied because my credit score was only XXXX. Please see Verbally told loan was denied which documents the date/time was called. I disputed a credit score of XXXX was accurate for me and I requested a copy of the credit score report or other report Citizens Bank use to make the decisions regarding my loan application. XXXX stated the Home Equity Lending Department would provide me with the information I requested. 

On XX/XX/XXXX, I received a Statement of Credit Denial, Termination or Change letter ( hereinafter denial letter ) which gives the primary reason my loan application was denied was Collection action or judgement, not credit score! The credit score was noted on the second page " we also obtain your credit score ''. Please note, Citizens Bank has still not provided me with a copy the credit score report or any other report they used to make a negative decision regarding my loan application. 

On XX/XX/XXXX, I called the XXXX XXXX XXXX department at XXXX, the telephone number listed on the denial letter to inquire and dispute the information on the denial letter. No one was available to take my call, so I left my full name, loan # and telephone number for a representative to return my call. No one has returned my call, emailed me or mailed any correspondence to me regarding this matter. 

On XX/XX/XXXX, I returned to Citizens Bank to meet XXXX XXXX and let him know that no one from Citizens Bank, Home Equity Lending has contacted me and I again requested a copy of the credit score and credit report use regarding my loan application. Please see Citizens Bank Follow-up Meeting Attachment.

It appears Citizens Bank has unfair and questionable lending practices for the following reasons : 1. I have 2.60 times equity to value in my home 2. A HELOC is secured by the property. My home 's current market value is at least $ XXXX. My principal balance is {$110000.00}. There is plenty of equity to secure the loan. 
XXXX, Citizens Bank claims my credit score is XXXX, but refuses to send me a copy of that credit score report and credit report. Per my file records, all my credit scores at all three credit bureaus are above XXXX. Please see attached credit scores for XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Experian I am writing to formally file a complaint against Experian for inaccurately reporting derogatory information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The inaccurate reporting concerns an account with XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ). 

According to my credit report, Experian is reporting that this account was 180 days late in XX/XX/year> despite showing no late payments in the months prior to that date. This is an error, as an account can not suddenly become 180 days delinquent without a history of prior delinquencies. 

Under the FCRA, Experian is required to ensure the maximum possible accuracy of the information they report. Specifically : 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain accurate records. Reporting a sudden 180-day delinquency with no prior late payments fails this standard. 
15 U.S.C. 1681i gives consumers the right to dispute inaccurate information and requires credit bureaus to investigate and correct errors.

15 U.S.C. 1681s-2 ( a ) prohibits data furnishers from reporting inaccurate or misleading information to credit bureaus.

I have attached a copy of my credit report highlighting the error. Given that this reporting is incorrect and damaging to my creditworthiness, I request the XXXX  to intervene and ensure that Experian properly investigates and corrects this issue in compliance with the FCRA.

I demand the immediate removal of this inaccurate late payment record.

Thank you for your time and assistance in this matter. I look forward to your prompt attention to this complaint.

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 2025-03-03 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:
Subject : Formal Dispute of Accounts Request for Deletion Dear Dispute Department, I am writing to formally dispute the accuracy of the following accounts listed on my credit report. The information associated with these accounts is incomplete and/or fraudulent and is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 15 U.S.C. 1681m ( a ). As a consumer, I am exercising my rights under the FCRA and Consumer Financial Protection Bureau ( CFPB ) consumer rights to request immediate removal of these accounts from my credit file. 
The accounts in question are as follows : 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 I am requesting that these accounts be deleted and permanently removed from my credit report as they contain inaccurate and/or fraudulent information. Under the FCRA, inaccurate or unverifiable accounts must be removed from my credit report within 30 days of this dispute notice, unless you can provide verifiable proof that these accounts are valid, accurate, and authorized by me. 
If you are unable to verify the accuracy of these accounts, I demand their immediate removal and an updated credit report reflecting these corrections. Please provide written confirmation of the actions taken regarding this dispute. 
I have attached a copy of my identification and a recent utility bill/bank statement as proof of identity. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated timeframe. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
XXXX XXXX, XXXX XX/XX/1991 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( XXXX ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification.A detailed explanation of your verification process.If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC 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 non-monetary relief
Consumer complaint received 2025-03-03 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: VA

Complaint narrative:
I received an email from XXXX XXXX that there had been a hard inquiry on my credit by capital one bank where I have never and do not currently hold any accounts. The bank was unable to provide details of when and who attempted to open this account, couldnt locate this account nor the application, nor who authorized the hard inquiry. I have placed freezes at each credit bureau and filed an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report five separate fraudulent accounts appearing on my consumer FICO credit report which i do not recognize authorize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a collection agency account opened at, IXXXX XXXX XXXX. in XXXX of XXXX under account number XXXX, a collection agency opened at XXXX XXXX XXXX in XXXX of XXXX under the account number XXXX,, these accounts have resulted in five collections appearing on my FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all hard inquiries activity related to said items cease pursuant to my rights within the FRCA and FDCPA 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 explanation
Consumer complaint received 2025-03-03 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability obtain credit.

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: AL

Complaint narrative:
I have collection agencies been adding stuff to my credit report with all three bureaus since XXXX  from unknown credit cards or cell phone bills etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-03 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-03-03 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:
XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. I have attached a copy of the items claimed to be verified, along with my previous FTC 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 2025-03-03 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: NV

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: LA

Complaint narrative:
FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Personal Statement The remaining inquiries listed below : 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 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 Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : Last Name : XXXX XXXX Address : Phone : Email : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Personal Statement The remaining inquiries listed below : 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 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 Under penalty of perjury , I declare this information is true and correct to the best of my knowledge.

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
XXXX XXXX XXXXXXXX XXXX XXXX  Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.

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