vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit standing and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this promise has not been fulfilled, as the inquiries still remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit reports. Below is a detailed list of the accounts I am disputing, separated by credit bureau : CHARGED OFF XXXX, Account # XXXX, Opened : XX/XX/year>, Balance : {$0.00} LATE PAYMENT XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX ( partial number provided )

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 2025-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Complaint Against : Pennsylvania Higher Education Assistance Agency ( PHEAA ) d/b/a American Education Services ( AES ) and XXXX XXXX XXXX XXXX ( loan owner ) .

Summary : I am disputing the validity and enforceability of a private student loan serviced by AES and listed as owned by XXXX XXXX. I have repeatedly requested essential loan documentation, including the original executed promissory note and chain of title, but AES has not provided these records. I believe the loan may be improperly documented, inaccurately serviced, and potentially unenforceable. I am requesting CFPB assistance in verifying the loan and enforcing my consumer rights.

Details : This loan originated in Illinois in XXXX and was later transferred into a XXXX XXXX securitized trust. AES states they are the servicer. I asked AES to provide : ( 1 ) The original executed promissory note bearing my signature ; ( 2 ) All mandatory TILA disclosures from origination, including APR, finance charges, and variable-rate terms ; ( 3 ) Documentation explaining the 11.74 % variable interest rate, the index and margin, and any rate-change notices ; ( 4 ) A complete accounting of all payments, interest accrual, and capitalization events ; ( 5 ) Proof of ownership, including a complete chain of title and evidence that XXXX XXXX possesses the original note.

AES has not provided any of these required documents. The loan balance has increased over time despite years of repayment ( from approx. {$5000.00} to {$7800.00} ), suggesting misapplication of payments or improper interest calculation. The absence of essential records raises concerns about the loans validity, the accuracy of servicing, and possible UDAAP violations.

Harm : I have paid thousands of dollars and the balance continues to grow. Without documentation, I can not verify the legality of the debt. The lack of transparency is causing financial harm and severe stress.

Requested Resolution : I request that CFPB require AES and XXXX XXXX to : Produce the original executed promissory note ; Provide all TILA disclosures and variable-rate documents ; Provide a full accounting history ; Provide the complete chain of title ; Cease collection and negative credit reporting until the loan is validated ; Discharge the loan if documentation can not be produced. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: PA

Complaint narrative:
b'The file search found repeated references to XXXX School Taxes (Item #XXXX) in your closing package and tax certification documents, but no record that these taxes were actually paid at closing.\n\nThe school tax bill for XXXX  is explicitly listed in the closing materials as an item assigned to the seller\n\nThe tax certification confirms that the XXXX  school taxes were item #XXXX XXXX School Taxes, but again there is no entry showing they were paid or that a seller credit was applied to cover them\n\nIn other words:\n The school taxes were listed in the file.\n But they were not collected from the seller at settlement.\n And theres no sign you were given a credit to cover them.\n\n What likely happened\nA common scenario in Pennsylvania closings:\n\n1. The seller was supposed to pay their portion of the school tax bill\nBut the closing agent listed the tax but failed to collect it.\n\n2. Your lender assumed the bill was paid\nSo the lender began escrowing for future taxes only  not realizing a large past-due bill was sitting out there.\n\n3. When the tax authority billed for the XXXX  cycle, your lender had to pay the full amount from your escrow.\nBecause escrow was not large enough to cover that unpaid bill, your lenders annual escrow analysis then showed a shortage  around $XXXX.\n\nThis is exactly how an escrow shortage of that size typically shows up when school taxes werent collected at closing.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
This account was paid in full within a 2yr period with a one time lump sum payment amount to the account for the balance of {$17000.00} to XXXX XXXX XXXX to close the account in good standing as reported to the XXXX  XXXX XXXX . This account was never paid late and is reported by XXXX XXXX XXXX as " Paid as agreed ''. Yet, XXXX XXXX XXXX is reporting the same account as a 30 & 60 day late which is inaccurate data. XXXX XXXX XXXX is also reporting Three separate account numbers for this account as * XXXX to XXXX, XXXX to XXXX, and XXXX to XXXX  which are all different. XXXX  reflects the {$17000.00} lump sum payment as well.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I am filing this complaint because a debt associated with the above account is being reported and/or collected without proper validation. I requested verification of this alleged debt, including documentation proving the accuracy of the balance, the origin of the account, and proof that the creditor or collector has the legal authority to collect it. To date, I have not received the required debt validation materials, including :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
In XX/XX/XXXX, I mailed a debt validation/cease desist request to Messerli & Kramer . I did not receive anything in return but in XX/XX/XXXX, I received notice from XXXX XXXX courts that Messerli Kramer had filed several lawsuits against me for the debt of which I requested validation. 

During the XX/XX/XXXX hearing, Messerli Kramer told the judge that my validation request letter had never been received and so we filed an order for continuance of which they still failed to provide proper validation. In a phone call with Messerli Kramer on XX/XX/XXXX, they informed me that my account had a Cease Desist order listed which proves my letter was indeed received in XX/XX/XXXX and that the lawsuit filed XX/XX/XXXX is not a coincidence.

Not only did they fail to provide proper validation within 30 days of my written request, they told the judge that my request was never received which is materially false. It's impossible for my Cease/Desist request to be on file with them if they never received my original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Case # XXXX XXXX XXXX  XXXX XXXX fraud incident My husband ( XXXX XXXX ) and I are Santander customers . On XX/XX/XXXX, a fraudulent XXXX account was opened in his name, and our Santander personal and business accounts were accessed without authorization. The fraudster changed both of our primary email addresses and phone numbers ( to numbers beginning XXXX XXXX XXXX  ). We called Santander within minutes and stopped any movement of funds, but it appears that someone was able to link the new XXXX account to our existing Santander profiles and alter the contact information, providing the fraudulent actors with the ability to access our accounts and remove our access.

We opened Case # XXXX with Executive Office Advocate XXXX XXXX . Nearly two weeks later, we received a generic form letter from Santander dated XX/XX/XXXX, which failed to answer our questions about how this occurred, what identification was used, and why no security alerts were sent to our real contact information. Santander has not provided a timeline, investigation results, or assurance that their systems are secure. Despite numerous requests, we have received NO information or communication since XX/XX/XXXX We request that the CFPB require Santander to provide a complete written explanation and documentation of the incident, including identity verification procedures, timeline of events, and corrective actions. We also request that the CFPB ensure Santander reviews its policies for notifying customers when account contact information changes.

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 2025-12-01 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: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit standing and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, this promise has not been fulfilled, as the inquiries still remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I checked my credit report and saw new debt on my account, no knowledge of a XXXX balance owed, it fraud. Transworld systems inc. A debt collector for XXXX XXXX XXXX. Phone number ( XXXX ) XXXXi hired a lawyer to help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
i call capital one to result this issue.

try to lower my interest rate. the last months ( 6 ) i was paying the minimum due.

i have been a capital one business clients for over 10 years.

the last conversation we had they told my to call XXXX XXXX XXXX ( debt collector ) they no longer had my information. the last month i get sue by capital one.

the people in XXXX XXXX XXXX  XXXX tell me to go to their website. 
what are my options, nothing show up .. have talk someone their that they are a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
I sent in a check for {$300.00} and a letter on XX/XX/XXXX. I put in the letter how to apply my payment for the XXXX payment and that I would call to make sure it was correct. Well I called an amount was put towards curtailment. I explained that is not how I wanted the payment applied and to put the {$300.00} back in suspense for the XXXX payment. Not once did they mention anything about changing my autopayment. The lady even mentioned on the call about my autopayment. I wait and today XX/XX/XXXX. M & T Bank took out the complete amount of my mortgage and misapplied the {$300.00} again. I called in and talked with XXXX supervisors and was told it couldn't be changed. The {$300.00} would be returned. I offered the solution of reapplying it for the XXXX payment. They have completely dropped the ball in customer service and following policies. I mentioned to them the other XXXX employees didn't know this information and needed training in the area.

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 2025-12-01 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-12-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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.

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