vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
on XX/XX/year>2025 my car was repossessed from my property by XXXX XXXX under the direction of Santander. The car was then left on the XXXX XXXX until XX/XX/XXXX and was impounded by the XXXX XXXX XXXX XXXX  for being abandoned. I called both the lender and repossession company from XX/XX/XXXX to XX/XX/XXXX to ensure no further actions were taken against me to assure my credit would take no further damage. No answers were provided. I am now being charged {$75.00} a day that will be sent to collections because the repossession company refused to put the car back onto my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MD

Complaint narrative:
My debit card was locked on or about XXXX called on or about XX/XX/year> to find out why. I was told that they were unable to verify my phone number. Keep in mind that they mailed me a letter to my new address and they got my new address from SSA which they certainly had to obtain my new phone number from as well! They said I needed to send a email with my number, reference number and name etc. I was told it would be verified in XXXX to XXXX hours. Every since then I called several times to discover they said they had not received any emails. I then received a message from XXXX stating that their servers where either blocking my emails or their mail boxes are too full to receive any etc. So far XXXX XXXX has done nothing but try to blow me off. I informed them of the confirmation that XXXX sent me concerning their server not receiving or responding to my emails to them and that I have sent out the same email to other addresses that received them perfectly to prove it is on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Inquiry on Credit Report under FCRA XXXX XXXX To Whom It XXXX Concern, I am writing to dispute an unauthorized inquiry listed on my credit report, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section XXXX. Upon reviewing my credit report, I discovered an inquiry that I did not authorize or recognize. 

Details of the unauthorized inquiry are as follows : Creditor : XXXX XXXX Account XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, tx XXXX XXXX {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
I am formally disputing the accuracy and validity of the following inquiries listed on my credit report. I assert that these inquiries are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Acct number ( XXXX ) Debt Amount ( XXXX {$.00} ) Payable date ( XX/XX/XXXX ) Original charge off date ( XX/XX/XXXX ) Creditor XXXX XXXX XXXX ) Sold off amount for ( XXXX ) If you fail to provide the necessary documentation, I demand that all references to this debt be deleted from my credit report, and a copy of the deletion request should be sent to me immediately. I expect a response within 30 calendar days from the date of receipt of this letter.

If you do not comply with this request, I will consider all actions taken by you to collect this debt, including any negative credit reporting, as damages under 15 U.S.C. 1692k, and I will take appropriate legal action.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Per 15 usc 1681 you are in violation of my rights to privacy by reporting non sublic personal information without my permission or consent | demand immediate deletion of this data and formally opt of any future reporting of such information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Constant calls from these from different numbers all through the day. I dont recall owing them, so XXXX guessing they bought my debt and want me to pay them. Which is XXXX not paying anyone I did not initially owe and I explained this multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting additional clarification and supporting documentation regarding Experians reporting of my address history. 

Experian is currently reporting outdated and inaccurate addresses that are not associated with any active accounts. These include : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, CT XXXX These addresses are tied only to prior disputes and must be deleted under FCRA 611 ( a ) and 607 ( b ), as they are inaccurate and unverifiable.

Additionally, Experian is reporting my current Florida address incorrectly as : XXXX XXXX XXXX XXXX, XXXX, FL XXXX My correct and legal current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have asked that all three credit reports to have my personal information to have my first and last name, current mailing address, current job, and no telephone number. My name is XXXX XXXX ( correct spelling ) ; address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; current job is XXXX XXXX XXXX XXXX XXXX. I would like for all of my personal information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
I have multiple times. Called in, documented and stated the issues with the application. Making sure updates are done and still having to re log in and then have to recover password ( which then doesn't get sent to my email via regular inbox or junk or spam folder ) If i call in and they send a password reset, it can't be a password used before and then when enabling face id. Even if i use the app 5-7 days later it still wont let me use the face id feature which then prompts me to log in with my user name and password which I then forgot since it wont let you use a previous password before and rinse and repeat. Calling in each time is about 45-hour phone call which as like many others I don't have that kind of time every time to sort that out on top of everything else I have to do per day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Comerica
State: OH

Complaint narrative:
I asked XXXX XXXX to send my money to my bank account because they won't activate my XXXX XXXX XXXX XXXX I have sent them my photos id everyday for three weeks they keep telling me call back in 34 hours and it's take forever for them to answer the phone now check day is Friday XX/XX/XXXX and XX/XX/XXXX me and my son is living in a shelter I was going to take that money for housing I've been trying to get them to activate my card but they're giving me the runaround for the last past 3 weeks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is XXXX  me out and making me XXXX. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Eastern Account System , Inc. regarding an alleged debt originally associated with XXXX XXXX. 

Eastern Account System has repeatedly attempted to collect this alleged debt without providing proper validation of the debt, despite my request. I previously disputed the debt and requested verification, but they failed to provide sufficient documentation to establish that the debt is valid or that they have the legal right to collect it. 

The amount they are attempting to collect has also been inconsistent ( ranging from {$290.00} to {$690.00} ), which further calls into question the accuracy and legitimacy of their claim. 

Because of these failures, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and sent a formal cease and desist letter ( attached to this complaint ). In this letter, I instructed Eastern Account System to stop all communication with me regarding this alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I

am writing to formally request the blocking of fraudulent accounts that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent accounts were initiated without my knowledge or authorization. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
The credit bureaus has fell to correctly protect my information during the data breach and is now doing so with a damn freeze on my profile. Every month accounts that were fraudulently on my account that were previously deleted do to fraud. I DEMAND THE REMOVAL OF ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... This is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ridiculous month after month The fraudulent account are continuously being added to my account when I haven't applied for anything. I shouldn't have a soft credit inquiry on my report or any inquiry since XXXX. I am not being sent information I have been requesting regarding these accounts, instead they will sent me a copy of a credit report I already have. VERIFICATION ARE BEING IGNORED AND IS TRULY UNFAIR. THIS IS CONTINUOUSLY DAMAGING MY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CREDIT REPORT AND I AM TO THE POINT WHERE I'M ABOUT TO SUE SOME XXXX XXXX XXXX XXXX XXXX XXXX XXXX BODY FOR ALL THIS PAIN AND SUFFERING DATED BACK SINCE BECOMING A VICTIM OF THEIR DATA BREACHES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am requesting the removal of a charge-off account related to a private student loan originally issued by Navient ( Account XXXX XXXXXXXX, opened XX/XX/year> ). 

The loan was associated with my old college, which has since filed for bankruptcy and is no longer in operation. A class-action lawsuit was filed against the school, and a fellow student prevailed. As a result of that legal action and with assistance from the Department XXXX XXXX XXXX XXXX Ombudsman, all federal student loans from this school were reviewed and waived, including mine. 

Furthermore, all of my student loan accounts were sold to XXXX, which currently services my federal loans. When I contacted Navient, they confirmed they no longer have any record or servicing authority for this account and could not provide any information. 

Despite this, a {$12000.00} charge-off remains on my credit reports from Navient. This entry is both inaccurate and misleading. Since the school has closed, lost the lawsuit, and the Ombudsman determined my loans should be forgiven/waived, I am requesting that this charge-off account be permanently removed from all XXXX credit bureaus ( XXXX XXXX XXXX ) XXXX 

I am providing this complaint to the CFPB because I have exhausted all avenues with both Navient and the credit bureaus. I am requesting a full investigation and the permanent deletion of this derogatory item.

Company response to consumer: Closed with explanation