vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The " XXXX XXXX XXXX  '' primarily refers to a large-scale data breach at XXXX XXXX XXXX  XXXX major health insurance provider, in XXXX, and the subsequent closure of XXXX XXXX XXXX XXXX which operated XXXX XXXX and XXXX vocational schools. The data breach exposed the personal information of millions of XXXX members, while the closure of XXXX XXXX led to significant disruption for students and staff. The balance on my account should be taken off. 
To Whom It May Concern, I am writing to formally request a discharge of my federal student loans pursuant to the Closed School Discharge and XXXX XXXX to Repayment provisions. I attended XXXX XXXX, which has since closed and was found to have committed fraudulent practices affecting students, including myself. 
I enrolled in XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX and was unable to complete my program due to the schools sudden closure on XXXX. The school was later found to have engaged in misleading and deceptive practices regarding its accreditation, job placement rates, and program quality, which directly influenced my decision to enroll and take on federal student loan debt. 
According to the U.S. Department of Education guidelines, borrowers are eligible for loan discharge under the following conditions : The school closed while I was enrolled, or within XXXX days ( depending on when the loan was disbursed ) of my withdrawal. 
The school engaged in substantial misrepresentation or fraud, which qualifies under the XXXX XXXX to XXXX rules. 
As such, I respectfully request that you review my case and discharge the following loans : Loan Type ( XXXX ) : ( Direct Consolidation Unsubsidized Loan XXXX & XXXX ) Loan Account Number ( XXXX ) : ( XXXX ) Enclosed with this letter are the following documents for your review : XXXX. A copy of my enrollment agreement/transcript/proof of attendance XXXX. Documentation of the schools closure ( notice from the Department of Education ) XXXX. Any communication or promotional material that misrepresented the schools offerings XXXX. My written statement detailing the schools misrepresentation and its impact Please confirm receipt of this letter and inform me of any additional steps required. I am requesting that any collection activity, interest accrual, or credit reporting be paused while this dispute is under review. 
Thank you for your prompt attention to this matter. I look forward to your response. 
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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The " XXXX XXXX XXXX  '' primarily refers to a large-scale data breach at XXXX XXXX XXXX XXXX major health insurance provider, in XXXX, and the subsequent closure of XXXX XXXX XXXXXXXX XXXX which operated XXXX XXXX and XXXX vocational schools. The data breach exposed the personal information of millions of XXXX members, while the closure of XXXX XXXX led to significant disruption for students and staff. The balance on my account should be taken off. 
To Whom It May Concern, I am writing to formally request a discharge of my federal student loans pursuant to the Closed School Discharge and Borrower Defense to Repayment provisions. I attended XXXX XXXX, which has since closed and was found to have committed fraudulent practices affecting students, including myself. 
I enrolled in XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX and was unable to complete my program due to the schools sudden closure on XXXX. The school was later found to have engaged in misleading and deceptive practices regarding its accreditation, job placement rates, and program quality, which directly influenced my decision to enroll and take on federal student loan debt. 
According to the U.S. Department of Education guidelines, borrowers are eligible for loan discharge under the following conditions : The school closed while I was enrolled, or within XXXX days ( depending on when the loan was disbursed ) of my withdrawal. 
The school engaged in substantial misrepresentation or fraud, which qualifies under the Borrower Defense to Repayment rules. 
As such, I respectfully request that you review my case and discharge the following loans : Loan Type ( XXXX ) : ( Direct Consolidation Unsubsidized Loan XXXX & XXXX ) Loan Account Number ( XXXX ) : ( XXXX ) Enclosed with this letter are the following documents for your review : XXXX. A copy of my enrollment agreement/transcript/proof of attendance XXXX. Documentation of the schools closure ( notice from the Department of Education ) XXXX. Any communication or promotional material that misrepresented the schools offerings XXXX. My written statement detailing the schools misrepresentation and its impact Please confirm receipt of this letter and inform me of any additional steps required. I am requesting that any collection activity, interest accrual, or credit reporting be paused while this dispute is under review. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The " XXXX XXXX XXXX '' primarily refers to a large-scale data breach at XXXX XXXX XXXX  XXXX major health insurance provider, in XXXX, and the subsequent closure of XXXX XXXX XXXX XXXX which operated XXXX XXXX and XXXX vocational schools. The data breach exposed the personal information of millions of XXXX members, while the closure of XXXX XXXX led to significant disruption for students and staff. The balance on my account should be taken off. 
To Whom It May Concern, I am writing to formally request a discharge of my federal student loans pursuant to the Closed School Discharge and Borrower Defense to Repayment provisions. I attended XXXX XXXX, which has since closed and was found to have committed fraudulent practices affecting students, including myself. 
I enrolled in XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX and was unable to complete my program due to the schools sudden closure on XXXX. The school was later found to have engaged in misleading and deceptive practices regarding its accreditation, job placement rates, and program quality, which directly influenced my decision to enroll and take on federal student loan debt. 
According to the U.S. Department of Education guidelines, borrowers are eligible for loan discharge under the following conditions : The school closed while I was enrolled, or within XXXX days ( depending on when the loan was disbursed ) of my withdrawal. 
The school engaged in substantial misrepresentation or fraud, which qualifies under the XXXX XXXX to XXXX rules. 
As such, I respectfully request that you review my case and discharge the following loans : Loan Type ( XXXX ) : ( Direct Consolidation Unsubsidized Loan XXXX & XXXX ) Loan Account Number ( XXXX ) : ( XXXX ) Enclosed with this letter are the following documents for your review : XXXX. A copy of my enrollment agreement/transcript/proof of attendance XXXX. Documentation of the schools closure ( notice from the Department of Education ) XXXX. Any communication or promotional material that misrepresented the schools offerings XXXX. My written statement detailing the schools misrepresentation and its impact Please confirm receipt of this letter and inform me of any additional steps required. I am requesting that any collection activity, interest accrual, or credit reporting be paused while this dispute is under review. 
Thank you for your prompt attention to this matter. I look forward to your response. 
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 2025-06-27 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: U.S. BANCORP
State: CA

Complaint narrative:
My card was lost, and during the lost period, my card was charged for a single transaction totaling {$410.00}. I reported the unauthorized transaction to the US Bank, but they declined my dispute without a valid reason. 
CASE ID : # 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 monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-06-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a derogatory credit card account listed as XXXX, which was opened around XX/XX/XXXX and later reported as charged off and sold to XXXX XXXX  XXXX XXXX I do not recognize this account and have never applied for or used any credit card under that name. I believe this may be a case of identity theft, unauthorized account creation, or inaccurate reporting. 

The account reports a {$0.00} balance and XXXX XXXX monthly payment but includes charge-off notations such as : " Charged off as bad debt '' " Transferred or sold to another lender '' Each of the three credit bureaus reports conflicting information : One bureau reports a credit limit of {$300.00}, another says {$0.00} One bureau lists a high balance of {$480.00}, the others report {$0.00} The date of last payment varies between XX/XX/XXXX and XX/XX/XXXX The date last active is inconsistent across reports Despite these issues, I have never received a bill, notice, or debt validation letter from XXXX or from XXXX XXXX XXXX, the entity it was allegedly sold to. I have also previously disputed this with no resolution. 

Because I never authorized this account and it has not been properly verified, I am requesting its complete deletion from my credit reports under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
There is an inquiry on my credit reports that are a direct result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: OH

Complaint narrative:
I constantly recieve texts from Unifin, I also constantly recieve calls. I do not have nor do I owe any outstanding debt. Everytime one of these people call, they phish for a SSN or name. They refuse to tell me the reason for the call until I verify all my information for them. They can barely pronounce my name. I keep forwarding the texts to the SPAM text line but since Unifin is a real company they don't process anything. Scammers are out of control, XXXX pity the elderly because you guys don't seem to do anything to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding Santander Consumer USAs handling of an insurance claim payout related to hail damage on my vehicle.

After receiving a check in the amount of {$6300.00} from my insurance companymade payable to both myself and Santander Consumer USAI was informed that Santander 's endorsement would be required in order to cash or deposit the check. I initially chose to handle the repairs myself due to the insurance companys low wholesale-based estimate.

Over the course of several weeks, I spoke to multiple Santander representatives, all of whom gave varying instructions : First, I was told to mail the check to Santanders insurance department where it would be endorsed and returned.

Weeks passed with no update, so I followed up and was then informed that I needed to purchase parts in advance at my own expense ( at retail pricing ) and submit receipts, along with the insurance estimate, in order to receive the check.

After complying and submitting receipts totaling {$9600.00}, I was later told the check had been sent. However, instead of receiving the full {$6300.00} insurance check, I was issued a payment of only {$1300.00} from Santander.

This action was taken without my consent, and contrary to all prior instructions provided by Santander agents. Santander retained the majority of the insurance proceeds, despite my clear compliance with their request to purchase parts upfront. They claimed that they only disburse funds based on the original insurance estimate, which contradicts the guidance I was given throughout this process and was never disclosed to me in writing or over the phone.

Santanders conduct in this matter is deceptive and has caused me significant financial harm. Their actions include : Withholding insurance proceeds that were paid for by my policy.

Altering disbursement criteria without prior disclosure.

Requiring upfront purchases under false pretenses.

Failing to follow through on their stated process and misleading me over the course of several calls.

I believe these actions constitute a serious breach of trust and may involve insurance fraud, deceptive trade practices, and unlawful conversion of funds. 


The dates I spoke to Santander Consumer on this issue : XX/XX/year> at XXXXXXXX XXXX XX/XX/year> at XXXX XX/XX/year> at XXXXXXXX XXXX  and XXXX XX/XX/year> at XXXX XX/XX/year> at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

Company response to consumer: Closed with explanation