vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently viewed my account and noticed fraudulent accounts. I'd like these items removed from my credit report immediately. Its making it hard to get 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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
I got an alert that someone attempted to open a XXXX account under my name without my consent and wanted a copy of my utilities report from NCTUE. I've called NCTUE twice to gain access to my account as when I attempt to online they are unable to process my request and when I call the system tells me the same thing and ask me to mail a letter to them. I need a report and access to my account ASAP so the fraudster does not open anything else and I can dispute anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: CT

Complaint narrative:
I keep setting my account up on auto pay. Theres money in my account plenty of money to make the payment, XXXX times now Sallie Mae has not pulled my payment and then caused my payment to be late. When I login it looks like the payment is made. 

Ive talked to them about this. They dont seem to have any resolution for it. They would not take the screenshots I had at the time this was in XX/XX/XXXX. It caused my credit score to go down. 

This just happened again in XX/XX/XXXX. I called them to see why my auto pay were not going through once again. I had screenshots that there was an issue on their end, but they were unwilling to look at that. They were also unwilling to correct the problem. I then set up a new checking account to make the payments from wondering if it had something to do with the EFT transfer. I set it up on auto pay. I caught all my payments up-to-date and I reported this to the credit bureaus because Sallie Mae was unwilling to look at any information I had.

Once again, I just received an email that the payment was not made. However, when I go in to look at the account this time it does show past due but it also shows its on auto pay and it shouldve paid on XX/XX/XXXX. I received the email today on XX/XX/XXXX. I feel they are fraudulently damaging my credit. I had excellent credit until they started this game. I want my credit score fixed. I dont have the screenshots from XXXX anymore, but I do have them right now to prove that they are incorrect. I have over XXXX in the account. There should be XXXX issues. I am XXXX  done with them!!! They are criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-23 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: OH

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, XXXX  XXXX RE : DEMAND FOR IMMEDITAE CORRECTION OF PERSONAL INFORMATION UNDER THE FCRA TO : Whom it may concern, I am formally demanding that your agency immediately update and correct the personal identification information on my credit profile in accordance with the Fair Credit reporting ACT ( FCRA ), 15 U.S.C. 1681. 
You are currently reporting inaccurate, outdated, and unauthorized personal information on my consumer credit report, including employers, addresses, and aliases that I have never authorized, verified, or consented to. this is a direct violation of my rights under federal law. The FCRA requires that all information in a consumer 's file be complete and accurate. reporting false or outdated information is a violation of FCRA section 607 ( b ).

I am requesting the following actions be taken : Remove all employer information currently listed on my credit file which includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remove any unauthorized or inaccurate names/ aliases from my credit profile which includes : XXXX XXXX Remove any outdated or incorrect addresses that do not match the accurate information I am providing. The incorrect information includes : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( UNKNOWN ) Update my file to reflect the correct and current personal information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX Under the FCRA, you are legally required to complete a reinvestigation of disputed information within 30 days of receiving this notice. if you fail to make the necessary corrections or do not respond appropriately, I will escalate this matter by filling complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state 's Attorney Generals Office. I also reserve the right to pursue legal action for willful noncompliance with the FCRA. 

This letter serves as your formal notice. Govern yourselves accordingly. 

Sincerely, 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 explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, XXXX mobile deposit my payroll check into my XXXX checking account with Capital One. My check was a total of {$2700.00} and placed on hold until XXXX XXXX. ( The company I work with does not provide direct deposit. ) No funds were available when check was deposited. I called Capital one and spoke with XXXX aboout my check. I was told that check was on hold for 4 business day because it was over the amount of {$2500.00} and has to go through ACH process. I asked to speak with a supervisor. I was transferred to supervisor XXXX. He informed me that any check deposited over {$2500.00} is subjected to a 4 business day. But then I was informed that it was a case by case scenario when it comes to deposited. He informed me I have to let check sit for XXXX hour business day and ask for an early release. On XXXX XXXX, I called and spoke with XXXX, she stats despite the XXXX, they can not release any funds. I have to wait until XX/XX/year>. She informed me that I can deposit my check into a capital one atm or capital one cafe. I informed her, neither of those options were available to me due to they're locations. I also informed them that my payroll checks are always above {$2500.00} and would that mean I subjected to my checks being placed on a long hold. XXXX stated no, deposited are looked at case by case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AZ

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. 
Account names as of XX/XX/year> : XXXX XXXX XXXX XXXX  Acct # XXXX Acct # XXXX XXXX XXXX / XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX ( appears twice ) XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: AZ

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. 
Account names as of XX/XX/year> : XXXX XXXX XXXX XXXX  Acct # XXXX Acct # XXXX XXXX XXXX / XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX ( appears twice ) XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
To Whom It May Concern : This letter serves as a formal complaint regarding a discrepancy in my auto loan, account number XXXX, following a total loss event on or around XX/XX/2025. My lender, Santander Consumer USA, and my GAP Waiver provider are both failing to reconcile the final payoff amount, resulting in a balance of {$5600.00} that I do not owe. 
The issue stems from a failure by both parties to properly calculate and apply payments to the loan. As evidence, I have provided the following documentation : * Initial Payoff Quote : A screenshot from my Santander account, dated XX/XX/2025, which was provided to my GAP waiver provider, shows an estimated payoff amount of {$38000.00}. This was the official amount owed at the time my claim was submitted. 
* Updated Payoff Quote : An updated payoff quote from my Santander account, dated XX/XX/2025, shows an estimated payoff amount of {$9100.00} after my primary insurance payment was applied. This is the correct " waivable loss '' amount that should have been covered by my GAP waiver. 
* Lender 's Conflicting Breakdown : A breakdown provided by Santander shows that the loan 's initial " Net Payoff at time of Loss '' was only {$35000.00}. This number directly conflicts with the quote of {$38000.00} from their own system and is a source of the discrepancy. 
* GAP Company 's Miscalculation : My GAP waiver provider 's payment of {$3600.00} was based on the incorrect {$35000.00} figure. This payment was insufficient to cover the actual gap of {$5400.00} ( calculated from the {$9100.00} balance after the service contract and GAP refunds were applied ).

* Ongoing, Unfair Interest Charges : My GAP waiver contract states its limit is {$50000.00}, which is more than sufficient to cover my loan. Despite this, Santander is continuing to charge me interest on the remaining balance. This is demonstrated by the current payoff amount of {$5600.00} as of XX/XX/2025. It is my understanding that in a total loss claim, a lender is required to freeze interest accrual once the primary insurance payment is received to prevent the balance from unfairly growing. 
The remaining balance of {$5600.00} is not a legitimate debt. It is the result of a miscalculation on the part of the GAP waiver provider and an unfair practice by Santander, which is continuing to charge interest on a loan that is in the process of being settled. 
I am requesting that you immediately waive the remaining balance on my account and provide documentation showing that the account has been paid in full. I have fulfilled all of my obligations, and I should not be held responsible for the administrative errors and unfair practices of my lender and GAP waiver provider. 
Sincerely, XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
I voluntarily surrendered my car with on time payments. I just checked my credit report they said i was delinquent by XXXX XXXX despite them taking back my car months prior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
For the past XXXX months, I have been attempting to obtain a lease buyout letter for my vehicle, but I continue to experience delays and incomplete documentation from Ally Financial. Despite multiple requests, the buyout letters provided have been either expired, incomplete, or sent with only a few days left before expiration, leaving insufficient time for my credit union to process the payoff. 

Additionally, I have been informed that Ally Financial will only send this information via fax or mail, further limiting the time available to act. I initially applied for financing through Ally but did not proceed due to the high interest rate. It seems efforts are being made to steer me toward Ally financing, but I have secured financing through my credit union, which has now had to process this payoff twice due to these delays. 

My lease is set to end on XX/XX/XXXX, and I have been actively trying to buy out the vehicle well in advance. The buyout amount is less than the current vehicle value, making timely processing essential. 

I am requesting immediate action to : 1. Provide a valid buyout letter with a reasonable window for my credit union to process payment.

2. Confirm a reliable method of delivery ( secure email or direct communication ) to avoid further expiration issues.

3. Ensure there are no further obstacles or delays that could jeopardize this transaction before lease end. 

I would greatly appreciate any help you could render. Thank you. Ally loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Tricked me into opening a credit reserve account and I didnt want to not theyre not trying to let me close the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A. Re-Insertion of Historical Satisfactory Accounts The attached report ( XXXX XXXX XXXX XXXX XXXXXXXX ) identifies accounts that are paid and satisfactory but are not currently reflected in my file. These accounts must be re-inserted and accurately reported. 
B. Deletion of False/Derogatory Accounts Other accounts listed are derogatory or contain false identifiers such as : - Wrong or unknown account numbers- Incorrect addresses not tied to me - Accounts flagged REMOVE that do not belong to me These accounts must be permanently deleted.

C. FCRA Violations Your bureaus continued failure constitutes violations of : - 1681e ( b ) : Obligation to follow reasonable procedures to ensure maximum accuracy.

- 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate within 30 days after a dispute.

- 1681i ( a ) ( 5 ) : Duty to correct or delete inaccurate/unverifiable information.

- 1681c ( a ) ( 5 ) : Prohibition on obsolete/false identifiers.

- 1681n & 1681o : Civil liability for willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A. Re-Insertion of Historical Satisfactory Accounts The attached report ( XXXX XXXX XXXX XXXX XXXXXXXX ) identifies accounts that are paid and satisfactory but are not currently reflected in my file. These accounts must be re-inserted and accurately reported. 
B. Deletion of False/Derogatory Accounts Other accounts listed are derogatory or contain false identifiers such as : - Wrong or unknown account numbers- Incorrect addresses not tied to me - Accounts flagged REMOVE that do not belong to me These accounts must be permanently deleted.

C. FCRA Violations Your bureaus continued failure constitutes violations of : - 1681e ( b ) : Obligation to follow reasonable procedures to ensure maximum accuracy.

- 1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate within 30 days after a dispute.

- 1681i ( a ) ( 5 ) : Duty to correct or delete inaccurate/unverifiable information.

- 1681c ( a ) ( 5 ) : Prohibition on obsolete/false identifiers.

- 1681n & 1681o : Civil liability for willful or negligent noncompliance.

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