vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SANTANDER CONSUMER USA Auto Account Consumer : XXXX XXXX DOB : XX/XX/year> Complaint Summary I am submitting this complaint regarding Santander Consumer USA for reporting an unauthorized auto account that I do not owe. My personal identifying information was exposed in the Equifax data breach, and this account is the direct result of identity theft. 

This is a serious violation of federal consumer protection law, not a minor reporting error. Even though the balance is reported as XXXX, the continued reporting of an unauthorized account is damaging my credit profile and financial reputation. 

Despite proper disputes, Santander Consumer USA has failed to provide lawful verification of this account and continues to report inaccurate information. 

Violations of Law 15 U.S.C. 1681e ( b ) ( FCRA ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft information Account Details Creditor : Santander Consumer USA Amount : {$0.00} Account # : XXXX Resolution Requested Immediate deletion from all credit bureaus Written confirmation of deletion Proof of original signed agreement and full account documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation.

I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything.

Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries.

Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me.

And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This was my first vehicle purchase and I was an XXXX-year-old kid. Not even a year later, I had already started falling behind. I then left for XXXX XXXX service in the United States XXXX in XX/XX/XXXX. My income was already very low and remained low. I had already defaulted by several months before XXXX started. Right around this time frame, my Santander auto loan was completely removed from my credit report. I was never contacted by them again. The auto loan was only on my report for around a year. I only found out recently, within the last XXXX years, of the XXXX class action lawsuit. There are only XXXX options, XXXX being restitution payments, which I did not receive and I am not requesting. XXXX, deficiency waivers. XXXX, loan forgiveness and car title. The last XXXX options both include the removal of Santander from credit reports, loan waiver, and receiving the car title. I have done a lot of reading into this settlement, and have even asked legal representatives about my eligibility. I meet the eligibility requirements, and I was legally a Florida resident even during my XXXX XXXX military service. My home of record throughout my entire service was for the state of Florida. I had very low income, my credit score was poor, and I was very young. I have regained online access to my auto loan portal. It shows my loan is not delinquent and it shows it has never been charged off. I fell delinquent within my first year and before XXXX ended. XXXX of the main reasons I believe I did not receive the title/loan forgiveness is because while I was XXXX XXXX, and even after, my mailing address changed very often/frequently. Based off what is public, I meet all eligibility requirements for this relief. I am requesting the same relief that other eligible people received, which is the loan forgiveness/vehicle title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

A credit card account on my consumer reports is being reported inconsistently across credit bureaus. The account is reported as CLOSED on TransUnion, yet the same account is simultaneously reported as OPEN on Experian and Equifax. Reporting conflicting account status across consumer reporting agencies is materially inaccurate and misleading.

In addition, although the account is closed, it continues to reflect post-closure delinquency, including 90119 days late and 120+ days late, along with a last payment date after closure. The account is also reporting an inflated balance exceeding the credit limit, resulting in excessive utilization on a closed account.

These inconsistencies falsely suggest that the account remained open and actively delinquent, which is not accurate. A closed account can not lawfully continue generating new delinquency or utilization-based credit harm.

I have not previously disputed this account. However, the inaccuracies are facially apparent and materially misleading on their face.

Further, TransUnion has publicly acknowledged a data security incident affecting consumer information. In light of this, continued reporting of materially inaccurate and conflicting account data raises serious concerns regarding compliance with the requirement to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

Why is this a problem?

This reporting violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information that is inaccurate or misleading 15 U.S.C. 1681c ( a ) Improper and misleading reporting of delinquency after account closure Reporting an account as closed on one bureau and open on others, while simultaneously reporting post-closure delinquency and inflated utilization, is a material inaccuracy not a minor discrepancy.

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 2025-12-23 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: KS

Complaint narrative:
I emphatically deny giving permission for this inquiry, and I have no record of contacting the lender on the date listed. This makes the inquiry unauthorized. Therefore, I am formally asking that you remove this inquiry from my credit file immediately, and confirm that it has been deleted once 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 explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC for continuing to report an unverified and disputed collection account in violation of the Fair Credit Reporting Act ( FCRA ). 

The account involves an alleged XXXX XXXX XXXX debt reported by XXXX XXXX XXXXXXXX in the amount of {$590.00}. 

I formally disputed this account directly with Equifax and demanded verification as required under 15 U.S.C. 1681i. Equifax failed to provide competent evidence validating the debt, including a signed service agreement, proof of assignment, chain of custody, or proof of the date of first delinquency.

Instead, Equifax relied solely on automated confirmation from the data furnisher, which does not meet the legal standard for a reasonable reinvestigation under federal law.

This conduct violates : - 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation As a result of Equifaxs actions, my credit profile has been negatively impacted, causing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

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 account listed without my expressed written consent.

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 2025-12-23 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: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
After reviewing my credit report I saw that there inquiries that are not mine on there

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fig Tech Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

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 account listed without my expressed written consent.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is holding funds that I sent to my wife via XXXX. 
The money shows as sent, but it has been placed under review and is not available to me. 
I contacted Bank of America multiple times, but they have not provided a clear explanation or release date. 
This has caused financial hardship, and I believe the hold is unreasonable. 
I am requesting the immediate release of the funds or a written explanation supported by applicable policy.

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 2025-12-22 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have been attempting to resolve two transaction disputes with the Goldman Sachs credit card. One payment in the total of {$190.00} and another payment of {$75.00} on XXXX XX/XX/XXXX from a larger purchase of {$120.00} on XXXX XX/XX/XXXX. These are the only transactions that I have ever disputed on this card. One vendor refused to guarantee my purchase and also refused a refund. I have also never received the product. They also refused to put me in contact with anyone from their management team. The other vendor sent me the wrong item and refused to correct the situation without additional personal expense to me. They also refused to put me in contact with anyone from their management team. 

Goldman Sachs has decided the dispute in favor of the vendor three separate times in regard to these transactions despite receiving this information from me. I have re-opened these disputes once again - now making it the fourth and fifth time. I have asked at the end of each dispute to see evidence that an investigation has been conducted or the evidence that was used to determine the outcome. I have been told by multiple customer service representatives that investigations were actually not conducted at all and the vendors were never contacted so evidence could not be supplied. I've been told by other customer service agents that actually an investigation did occur and was conducted by a neutral third party and evidence was available that could be provided to me. Which one is true? I have requested this evidence that allegedly exists multiple times and have still never received it. I have asked to have my investigation expedited, information about what criteria is being used to conduct the information, or if I can get into contact with the department that actually conducts the investigations. I have been denied this each time and, in my most recent conversation with a member of their support team, they hung up on me when I continued to insist that I needed to be directed to someone who actually had the authority to make decisions regarding this dispute or who could at least could share knowledge surrounding the specific investigations into the disputes that I filed. 

They also attempted to pull money concerning these transactions directly from my bank account on XXXX XX/XX/XXXX without notification or authorization after I had already closed my account with them on XXXX XX/XX/XXXX. When the transaction was cancelled, they sent me an email threatening to report this to their credit reporting agencies. 

I am concerned that the same activity being described by CFPB on XXXX XX/XX/XXXX- such as failing to reasonably investigate cardholder disputes- is still occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The company told me that I could make a partial payment as long as it was before 90 days past due. I paid in XXXX, XXXX and XXXX 2 months late and it was accepted. However, now they changed their mind and would not take partial payment even though they stated on a phone call and through messages that I could make a partial payment as long as it was in 90 days past due for this reason, I am trying because I was pushed into having to apply for a mortgage assistance when I could actually have created a solution with them despite their false information and predatory practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
My credit suddenly dropped from XXXX to XXXX so I checked my report and there is a collection agency - Lockhart Morris & Montgo, claiming i have a debt of XXXX. The originator of this scam is XXXX XXXX XXXX XXXX. If you simply XXXX XXXX XXXX XXXX XXXX, every single review that is left says they are experiencing the exact same problem with the exact same amount of debt. I live in Georgia. I have never been to this supposed business. No one else has either. When I reported it to TransUnion, they said they did an investigation and the information is correct. It absolutely is not. It is so glaringly obvious that this is a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: UT

Complaint narrative:
I am filing this complaint regarding Chimes XXXX feature and the handling of repayment and eligibility following a medical-related payroll interruption. 

I am paid twice a month ( XXXX and end of month ). In early XXXX, I was on approved short-term XXXX and did not receive my normal mid-month paycheck on the XXXX. On XX/XX/XXXX, a one-time XXXX bonus was deposited and automatically applied to repay my XXXX balance. That bonus was not recurring wages but was applied anyway. Later, a one-time HSA contribution from my employer was deposited. This deposit was not wages, not recurring income, and not intended to replace payroll. That deposit was also automatically applied toward XXXX but did not fully satisfy the balance. As a result, my XXXX access is now frozen until my next regular paycheck at the end of the month, despite the fact that : the original XXXX balance had already been repaid from the bonus deposit, the later deposits were non-recurring employer credits, my payroll schedule was disrupted due to approved medical leave. By doing this, it left with no money in my account. 

I am not disputing the balance itself. I requested written-only support and escalation through chat due to comprehension and accessibility concerns, but Chime has stated they will only address this issue by phone and has refused to escalate in writing.

Company response to consumer: Closed with explanation