vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
lost my job recently and have applied for unemployment benefits, which are pending. My auto loan payment of {$580.00} was due on XX/XX/year> and XX/XX/year> I contacted Santander multiple times, including speaking with customer service agents, supervisors, and the hardship team, requesting a short-term hardship extension, deferment, or temporary payment relief to avoid a late payment while my unemployment benefits are processing. 
Santander refused to provide meaningful assistance and only offered a {$25.00} reduction on the payment, which is insufficient to prevent delinquency. I made efforts to explain my situation, requested that my account not be reported late, and offered to make a partial payment to demonstrate good faith. Despite this, Santander would not provide any option to prevent a late mark or extend the payment due date. 
I am submitting this complaint to request assistance in ensuring my account is treated fairly and that I am not penalized for a temporary financial hardship while waiting for unemployment benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
After a thorough review of my credit report, I have identified a late payment entry that is incorrect and unjustified. I am not aware of any circumstances that would warrant this late payment, as I have consistently paid my bills on time, making this entry both confusing and concerning. I have reached out to the creditor multiple times regarding this issue, but despite my efforts, no corrective action has been taken.

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 2025-10-23 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I got a debt collector letter from TSI written XX/XX/year> but I got it yesterday XXXX XX/XX/year> in the mail box, says I have a debt with XXXX which I dont know about. I called in TSI to file a dispute, they connected me to XXXX, I asked why I have a debt I dont owe, they said a different account was opened in my names and different same number on a prepaid contract on XXXX of XXXX, I told them I didnt know about it whatsoever, I explained I went in a XXXX store around that time trying to get an XXXX  watch on credit which I didnt get to take since they didnt allow cash but card payments which I didnt have at the time either, I left the store, they said they went on to verify and I was left on call hold until their phone hang up and since then I didnt get back feedback but a survey of my experience was good .issue was not solved. Am guessing someone in there might have used the opportunity and put the credit on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I mailed a certified debt-validation request to LVNV Funding LLC XXXX XX/XX/year> ( receipt attached ). They have not provided any documentation but continue to report this account to TransUnion as verified. This violates 15 U.S.C. 1692g ( b ) of the FDCPA and results in inaccurate credit reporting under 15 U.S.C. 1681i.

LVNV " validated '' the debt with the credit agencies ( experian, transunion, equifax ) but haven't sent me anything proving the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: PA

Complaint narrative:
I Lost my phone and tried to activate my Cash app on a new phone. When I try to get back into my Cash app, it would not Let me back in. I talk to the people cash app and they took information and still say they can not verify that its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
After a thorough review of my credit report, I have identified a late payment entry that is incorrect and unjustified. I am not aware of any circumstances that would warrant this late payment, as I have consistently paid my bills on time, making this entry both confusing and concerning. I have reached out to the creditor multiple times regarding this issue, but despite my efforts, no corrective action has been taken.

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 2025-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MS

Complaint narrative:
I received an email on XX/XX/year> from XX/XX/XXXX offices XXXX XXXX stating that they received a fictitious document from me to settle the account. He stated that the document will be presented to authorities and that I need to seek counsel. I did not send such document to them and this email was a threat to get me to settle the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-10-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/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 2025-10-23 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: NY

Complaint narrative:
I am filing this complaint to request a full investigation into several inaccurate and unauthorized items appearing on my credit report. These inaccuracies are severely damaging my creditworthiness and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. I have previously disputed these items with the credit reporting agencies, yet they remain unverifiable and uncorrected. I am seeking immediate deletion or correction of these items and enforcement of my consumer rights under federal law. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This address is not associated with me and was never used by me for any personal, residential, or credit-related purpose. Reporting this incorrect address creates identity confusion and misrepresents my true credit profile. Under FCRA XXXX ( b ), consumer reporting agencies must maintain reasonable procedures to ensure maximum accuracy of consumer information. This false address must be permanently deleted as it reflects gross negligence in verifying my identity. 

Inquiry : XXXX XX/XX/year> This inquiry was unauthorized. I never gave consent, written or verbal, for this creditor to access my credit file. Under FCRA XXXX ( a ) ( XXXX ), a permissible purpose is required for any credit inquiry. Since no such authorization exists, this inquiry constitutes a violation and must be permanently removed from my credit report. 

XXXX XX/XX/year> This hard inquiry was performed without my consent or application for credit. Under FCRA XXXX ( a ) ( XXXX ), only authorized inquiries are permissible. The reporting of unauthorized inquiries damages my credit score and privacy. I demand deletion of this inquiry immediately. 

I respectfully request that the Consumer Financial Protection Bureau investigate these matters immediately, require the credit bureaus and data furnishers to provide full documentation proving verification of each item, and ensure deletion of any unverified, inaccurate, or unauthorized data. These errors are damaging my financial reputation and have caused significant harm, and I am demanding compliance with the FCRA to restore accuracy and fairness in my credit reporting.

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 2025-10-23 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I booked an XXXX stay on [ date ], and upon arrival I discovered the unit was in unsanitary and unacceptable condition ( including [ brief examples : dirty bedding, foul odor, pests, trash, etc. ] ). I immediately reported the issue to both the host and XXXX and provided photo documentation. XXXX acknowledged the problem and stated they would relocate me to a different property, but they never followed through, leaving me with no alternative accommodations and forcing me to remain in unsafe and unsanitary conditions. 

XXXX later offered only a 20 % refund for one day, despite the fact that the entire stay was impacted and they did not provide the service promised or the relocation they committed to. I then filed a dispute with my bank. XXXX is opposing the chargeback even though they failed to provide clean, habitable lodging as advertised, and they did not uphold their own XXXX XXXX XXXX. 

I am requesting assistance because I paid for services that were not delivered as described, I was not provided the alternative accommodations promised, and the refund offered was not reasonable given the circumstances. I am seeking a fair resolution and refund for the stay, less the small partial refund already issued.Im seek full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/XXXX XXXX BANKXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX BANK XX/XX/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 2025-10-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX Your Account Number XXXX Account Name XXXX BANK Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX Bank, resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXXB of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
After thoroughly reviewing my credit report, I discovered a fraudulent account, an incorrect address, and false employer informationnone of which I authorized or initiated.

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 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is filed against the US Bank branch in XXXX XXXX, California. 

I received a large check drawn on that bank. I went to the US Bank branch to negotiate that check to a cashier 's check. This way, I could deposit the cashier 's check in my own account at my own bank without a hold. 

US Bank refused to provide me with service. They explained to me that I needed to have an account, that I would be required to deposit the check there, and then, after they placed a hold on the check, I could access the funds. 

US Bank is not serving the public. I presented a check drawn on their bank made out to me. I provided my driver 's license. The bank should serve members of the public and it is shirking its obligations by having these kinds of policies. 

The bank staff were rude, short, and abrupt. I picked up my check, and walked out of the bank branch. I will never do business with US Bank ever again.

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 2025-10-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is trying to collect a debt from XX/XX/XXXX for {$3800.00} which I do not owe or know where it originates. Also, it is WELL beyond the statute of limitations. This is harassment and they wont give me any information unless I provide vital/personal information. And I will NOT! 

Upon further investigation, XXXX XXXX XXXXXX/XX/XXXX business was closed in 2013 so this seems like fraud to scare me into paying an amount that I do not owe. Because WHO is this trying to collect a fraudulent debt fromXX/XX/XXXXyears ago if this company no longer exists? Bankruptcy has been filedXX/XX/XXXX in the last XX/XX/XXXX years. Again this is an egregious attempt to scam me out of an erroneous amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Since XX/XX/year>2025, I have been contacting Ally Financial repeatedly regarding my financial hardship and requesting assistance, such as a deferment or hardship payment plan, to prevent repossession of my vehicle. Despite months of communication, Ally continues to acknowledge my complaints without ever actually resolving them. 

Each time I reach out or submit a complaint, I receive the same generic response stating that my concern has been received or is being reviewed, but no one RESOLVES it. No supervisor has called me and no actual being has reviewed my hardship request. 

Most recently, I received a letter dated XX/XX/year>2025 from the previous complaint once again acknowledging my complaint but failing to respond to any of the issues raised. Ally appears to be closing complaints by sending acknowledgment letters rather than providing any real assistance. 

I have also been told that I may not qualify for hardship assistance systematically. That statement, without offering any alternative options or escalation, is not a valid or reasonable response. It shows that my concerns are not being reviewed or addressed on an individual basis. I can not stress this matter enough that I have lost my job, a XX/XX/XXXX struggling with XXXX kids. 

Meanwhile, I received a repossession warning letter stating that I must pay the full balance by XX/XX/scrub>, 2025, or my vehicle will be repossessed. Ally is fully aware of my hardship and has chosen not to act or provide any resolution since XXXX.

Company response to consumer: Closed with explanation