vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I was looking to purchase a vehicle and I purchased a XXXX XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I set with the finance manager, XXXX XXXX XXXX who tricked me and lied to me regarding the price and incentives offered at the time of purchase. I was promised that the paperwork was to be corrected and that I will be receiving a call. Just before leaving the dealership, XXXX XXXX asked me for a {$2000.00} cash deposit. I gave him the money and then iI drove the car out of the dealership. When driving home, I felt uncomfortable and than that same day I requested the cash deposit that I gave to XXXX XXXX. He told me that he did not receive the money and that the paperwork was going to be ready the same day. When I finally reviewed the sales contract, I noticed that there was no deposit for the {$2000.00} I gave to XXXX XXXX and that the sales price of the car was almost double the price. I got frustrated and angry and and left the car at the dealership. The dealership purposely waited a month and kept my {$20000.00} dollars and sold the car in auction and the difference of the amount owed was erroneously placed as a collection on my credit profile affecting my credit and I have been trying to correct to delete this collection. 

I am writing to you in an act of desperation, as I am running out of options and need your help to correct this error. I am a victim and I wish that this does not happen to any other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices. They violated the consumer financial protection act. Cash app failed to address fraud on their app leaving my account vulnerable and unprotected. Their dispute process did not thoroughly investigate and I lost out on my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
My loan servicer is Lakeview ( lakeviewloanservicing.myloancare.com ) and I just started making payments in XX/XX/2025. I am a first-time home buyer. Before making my first payment ( ~ $ XXXX ), I called and asked Lakeview if I could make an additional payment and have it applied to my principal loan balance. The customer service agent I spoke to said yes, and it was my understanding from that conversation that I could make an additional payment online and specify that those funds should be allocated to the principal. 

I made an additional payment of approximately {$2000.00} in XXXX ( in addition to the {$1600.00} payment made on XX/XX/XXXX ), but the {$2000.00} was not showing up as credited to my principal. 

I called Lakeview again on Friday, XX/XX/XXXX and spoke to a different agent. She told me that the " system '' doesn't have the ability to allocate an additional payment to principal and that instead it just sits there and holds it for my next monthly payment. I was told that, in the future, the only way to apply an additional payment to the principal is to call Lakeview and speak to a live agent who can manually override the system. The agent was able to manually reapply this payment to principal, but it is not sustainable, fair, or reasonable to require consumers to call every month to make an additional payment. It took almost 15 minutes to speak to a human after an extensive multi-step automatic voice prompt when I called Lakeview. I did not choose this servicer and it should not be my problem that their system is, at best, old or, at worst, intentionally designed to thwart additional payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I have my payments auto deducted from my bank account every two weeks. On the fridays after I have made the auto payment, I log into my edfinancial to see that it has been deducted. I have been doing this for over 5 years. Today, it was deducted from my bank account but does not show on edfinancial. I call them and they tell me they see the payment on there end but there is no reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX XXXX XXXXXXXX DPEDXXXX  - XXXX DPEDXXXX XXXX XXXXXXXXXXXX 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 Incorrect Personal XXXX XXXX XXXX XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX  XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Block, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX and I filing a complaint due to the XXXX company CashApp illegally holding my funds that were returned to me for a dispute that I filed which was in my favor. I opened this CashApp account using my email address XXXX on XX/XX/year>. I have every email sent to me from Cash App since the account was opened including transaction ID # 's, dispute correspondence from for a dispute where funds were returned to me due to unauthorized transactions. My balance is currently {$25.00} and I would like this money to be returned to me either by transferring the funds to a different CashApp account that I have or sending me a new debit card and reopening the account that I can no longer access. I have everything needed to verify this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To : The Work Number ATTN : Dispute Department XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, CA XXXX Subject : Secondary Dispute Demanding Immediate Action and Specific Remediation of Unauthorized Reporting To Whom It May Concern, This letter serves as a secondary and final dispute following my prior written notice regarding the unauthorized and inaccurate employment information reported under my name, [ REDACTED ], by your agency.

You are hereby being directed, once again, to take the following immediate and enforceable actions : 1. Full Deletion of All Records You are required to locate and permanently delete all employment records and data connected to my personal identity, Social Security Number, phone number ( XXXX ), or any variation of my name within your systems.

2. Block All Future Reporting Implement a permanent block on any future reporting or employment verifications under my name or identifiers unless explicitly authorized in writing by me.

3. Cease Third-Party Disclosures You are to cease and desist from sharing or verifying any information related to my employment or personal details with employers, agencies, credit bureaus, background check companies, or any third-party entity, in accordance with 15 U.S. Code 1681b ( a ).

4. Provide a Complete Audit Trail I am requesting a comprehensive audit trail of all disclosures, inquiries, verifications, and updates related to my profile currently stored or transmitted by The Work Number.

5. Respond by Mail No AI or E-OSCAR This matter is to be handled exclusively by a live human agent. I do not consent to this dispute being processed through any automated platform such as E-OSCAR or artificial intelligence systems. Your response must be delivered by physical mail with supporting documentation.

6. Confirmation of Actions Taken You must provide a detailed, signed statement confirming : That all unauthorized data has been removed ; That no further reporting will occur ; That my dispute was reviewed manually by a human agent ; That a corrected copy of my file has been generated and enclosed.

If these actions are not completed and confirmed within XXXX  days, I will move forward with filing official complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and pursue legal relief under both state and federal consumer protection statutes. I will also seek compensatory damages for the misuse and dissemination of my private information without my authorization. 

You are now on official legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: OneMain Finance Corporation
State: NM

Complaint narrative:
XX/XX/year> I requested a payoff. The payoff amount does not make any sense. It s way more that I expected to be. The company, " onemain financial " would not show me how they arrived at their payoff amount. It looks like they have added way more interest charges after admitting there was a glitch with how my payments were processed. They would not explain or show me in detail, when I requested it. I was told that a district manager would contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: HI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation