vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am disputing an account that appears on my credit report which I believe is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). I submitted a written request to the data furnisher XXXX XXXX XXXX XXXX  asking for key information about the account, including the full payment history and the date of first delinquency, which is critical to determining whether the debt is being reported within the legal 7-year reporting limit under the FCRA ( 15 U.S.C. 1681c ).

The company has either refused or failed to provide any documentation verifying the debt, including the original creditor name, payment history, or the date the account first became delinquent. Without this information, I can not confirm the accuracy of the tradeline, nor can the credit reporting agencies. I believe the debt is too old to be legally reported, and the company has provided no evidence to justify its continued presence on my credit report. 

I am requesting that the CFPB investigate this matter and ensure the company either verifies the account with proper documentation or instructs the credit bureaus to remove the outdated and unverified information in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am disputing an account that appears on my credit report which I believe is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). I submitted a written request to the data furnisher M & T Bank asking for key information about the account, including the full payment history and the date of first delinquency, which is critical to determining whether the debt is being reported within the legal 7-year reporting limit under the FCRA ( 15 U.S.C. 1681c ).

The company has either refused or failed to provide any documentation verifying the debt, including the original creditor name, payment history, or the date the account first became delinquent. Without this information, I can not confirm the accuracy of the tradeline, nor can the credit reporting agencies. I believe the debt is too old to be legally reported, and the company has provided no evidence to justify its continued presence on my credit report. 

I am requesting that the CFPB investigate this matter and ensure the company either verifies the account with proper documentation or instructs the credit bureaus to remove the outdated and unverified information in compliance with the FCRA.

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I was first notified of the account with company when a repossession company came to my home. The first time I was not provided any information but on the second attempt the rep provided me the name of the company. I reached out in XXXX of XXXX and spoke with a representative and she advised that the account was open in XXXX and no full payments where made as of XX/XX/XXXX, she provided me where the loan was started the payment amts and that that only {$1.00} or {$5.00} payments where being made then returned. she sent me a copy of the payment history after providing my correct email address, but no further information and stated someone would reach out to me. I was never contacted and I received an email XXXX weeks later stating the account was verified. I was not provided any details on the investigation or how it was fully investigated. I have never purchased a vehicle with company in XXXX never made payments nor have I ever had possession of vehicle. This account was fraudulent opened in my name and has negatively impacted my credit score by reporting fraudulent late payments.

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 2025-05-01 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-01 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: TN

Complaint narrative:
Complaint Description ( paste this ) : I reviewed my credit reports and found multiple inaccurate and unauthorized items that I am formally disputing as either incorrect or fraudulent. These include : A {$710.00} collection from XXXX XXXX XXXX I do not recognize or owe this debt. I never received notice, bills, or validation of the alleged account. 
A {$280.00} collection from XXXX. XXXX for XXXX I have never had a XXXX account associated with this debt. I was not notified and did not authorize this account. 
A hard inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/year>, which I did not authorize, initiate, or consent to. I have never applied for credit or a mortgage with this company. 
Several late payments listed by XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, some of which are inaccurate, unvalidated, or unreported within the allowed legal timeframe. 
I filed an official FTC Identity Theft Report, attached with this complaint, and submitted disputes to Experian, TransUnion, and Equifax under FCRA Section 605B ( identity theft ) and the general FCRA dispute process.

Despite my disputes, these items remain, and they are damaging my credit profile unfairly. I request the CFPB assist in having these items : Investigated and permanently removed if unverified or fraudulent Blocked under FCRA Section 605B Corrected or deleted where inaccuracies exist.

I am currently preparing legal action under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) where applicable.

The failure of the credit bureaus and furnishers to investigate, validate, or remove these unauthorized and inaccurate items after receiving proper notice and documentation ( including an FTC Identity Theft Report ) constitutes willful noncompliance with federal law.

If these issues are not resolved, I will proceed with a complaint to the Office of the Attorney General and civil litigation as allowed by law.

NOTICE : If these fraudulent and inaccurate items are not removed within 15 days, I will file a civil lawsuit against your organization for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and any applicable state consumer protection laws. You are now on notice.

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 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
Interest on my student loans accrues at about $ XXXX. I have been making monthly payments every single month for the past few years. XX/XX/year>, XX/XX/year>, and XX/XX/year>XXXX  payments were only applied to interest, which seemed to be higher than the interest that accrues each month, so it does not make sense. I requested some sort of documentation or spreadsheet showing the interest accrued and how each of my payments is being applied. MOHELA told me that there's documentation on their website, but the only documentation shows the payments and how each is being applied ; it does not show the interest that accrues each month, which is what I want to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2025-05-01 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: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC

Complaint narrative:
XXXX Auto purchased by grandaughter/co-signed w/grandfather thru XXXX in XXXX, Ca. Loan processed by XXXX XXXX in XXXX, Ca. Grandfather co-signed for lower interest rate which was suppose to by @ 8 % and ended up when all was said & done at 11 %. Car unable to be delivered until XX/XX/XXXX due to transport problems from XXXX to New Mexico. Called in XXXX. ( XXXX ) to let them know the registration and plates were still not rec 'd and they advised XXXX was way behind. Started processing getting vehicle registered in XXXX but XXXX passed unexpectedly. XX/XX/XXXX called XXXX XXXX to advise of death... spoke with XXXX XXXX & he advised that a letter of hardship, id and death cert. be sent all together and assured me that they would forgive the balance on the loan and this phone call was recorded. Called again on XX/XX/XXXX and was told that they do not forgive loan balances. I also told XXXX XXXX in the original conversation that health reasons, age XXXX, on XXXX and that the car can't be driven as this is a electric/gas vehicle and hi tech .. we have no use for it .. you can pick the vehicle up anytime.. Sent email to XXXX outlining all this on XX/XX/XXXX to which no response. They started credit reporting immediately .. no response for XXXX mos. they continued charges & also told the XXXX XXXX when they came first week of XXXX & stated it was reported to them as an " involuntary repossession ''. It is believed so additional charges could be added. 3 days later a letter was sent telling us the balance due on the acct. Everything they said was misleading or a lie. He will be XXXX and in ill health...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>XXXX  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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXI have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX ( Bank ) XXXX XXXX, XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX ( Bank ) XXXX XXXX, XXXX  XXXX XXXX ( Bank ) XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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