vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I financed a XXXX XXXX in XX/XX/XXXX through Santander XXXX  USA, purchased from XXXX XXXX, MO. At the time of sale, the vehicle had about XXXX miles. 

Since purchase, the car has had ongoing problems requiring repeated repairs : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX  vehicle was back for repairs/service. 

XX/XX/XXXX oil change performed. 

XX/XX/XXXX the vehicle became completely inoperable while driving, suddenly losing acceleration with all dashboard lights illuminating. 

Diagnostics revealed XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( Intake Camshaft Position Timing/Over-XXXX XXXX  XXXX ). I also confirmed that the car has open engine safety recalls dating back to XXXX that were never disclosed at the time of sale. 

I have repeatedly notified both the dealership ( XXXX XXXX ) and the lender XXXX Santander XXXX  USA ) of these serious issues, including the fact that the vehicle is inoperable and that the dealer has not provided my title. Despite this, Santander continues to demand full monthly payments on a loan tied to a defective and unusable vehicle. 

This has created severe hardship. I am making ( or being asked to make ) payments for a car that can not be driven, has unresolved recalls, and was sold under misleading conditions. Santander has refused to pause, adjust, or work with me while this dispute is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and potentially unlawful debt collection accounts that are being reported on my credit file. The details of the accounts are as follows : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/year>XXXX  Reported Status : Collection Aargon Agency Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/year> Reported Status : Collection These accounts appear on my credit report, but I dispute their validity for the following reasons : I have not received proper validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The reporting of these accounts may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as the information appears inaccurate and unverified.

No original creditor details, signed agreements, or supporting documentation have been provided to establish that I owe these amounts. 

I am requesting the CFPB to : Investigate the validity of these collection accounts. 

Require the debt collectors and credit reporting agencies to provide full documentation proving the debts are valid and belong to me.

Remove or correct any inaccurate, unverifiable, or incomplete information from my credit file. 

Ensure that both XXXX XXXX and XXXX XXXX are in compliance with FDCPA and FCRA regulations.

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 2025-09-10 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: TX

Complaint narrative:
Please remove all unauthorized and inaccurate information from my credit 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 2025-09-10 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: NY

Complaint narrative:
Accounts are being reported under my name without my knowledge or authorization. I have never opened or managed these accounts. This is unacceptable, as it presents false and misleading information about my financial history and has caused me serious concern.

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 2025-09-10 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and XXXX  ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
XXXX XXXX credit card account is showing charged off status with past due amount. I disputed the information in XXXX  with experian and told them that i won the lawsuit from XXXX XXXX in District Court of Maryland. Copy of judgement attach. Experian XX/XX/year>XXXX  investigation result is attach. Looks like they do not agree with me. The account is still showing up as outstanding amount in my credit report. Why?

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 2025-09-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
A company called Nationstar Mortgage filed a lien on my property in XXXX  for a debt that was discharged in XXXX, well beyond any statute of limitations. 

Initial 2nd mortgage initiated in XXXX. Mortgage company, XXXX XXXX, sanctioned with loss of license as a predatory lender in XXXX. Debt forgiven and charged off during a Bankruptcy in XXXX. Initial mortgage holder closed as part of the sanction. 

Closed debt picked up by Nationstar 12 years later, well beyond any statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AR

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation has become. To wake up and find myself burdened with a debt that is unverified, unfamiliar, and not mine is both shocking and unacceptable. Receiving constant harassment through multiple channels, including threats of legal action, is a clear violation of my rights as a consumer and an insult to me as a law-abiding citizen. This ongoing matter has taken a serious toll on my wellbeing, including loss of sleep and unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Experian has violated the FCRA 's requirements for handling my disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, * Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. * Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when * Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, * Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. * XXXX  conducted their Reinvestigation ( copies ) where sent to Experian showing the same account disputed where removed from my credit file. For being inaccurate, unverifiable, fraudulently reporting. TransUnion is not complying with the law and violates the Federal Credit Reporting Act ( FCRA ). They are not conducting a proper investigation. Same issue 8 letters sent all certified are not being processed properly, are resisting to remove nor change as required by the FCRA laws that is our rights are being infringed, by Transunion and Experian I also feel discriminated by their action as XXXX I have prove of all letter not being responded to me. Please take action thats why are being sued. Credit bureau are violating privacy act disclosures personal information data / furnishing data to other entities unknown, Not Authorized by law, as many Un Authorized INQUIRIES in my file this is serious violation.

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 2025-09-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I used my Affirm debit + card to rent a car from XXXX XXXX car. Upon renting the car which the original amount was going to be {$310.00} plus XXXX charged me a {$200.00} deposit/hold so the amount that I put on the debit + card was {$510.00} plus interest. So the total with affirm will be {$620.00}. There is a payment coming due. I returned the car a few days earlier and XXXX took off the {$200.00} deposit/hold and the final cost was {$270.00}. I have provided the final receipt to Affirm. An Affirm rep told me I needed to call XXXX and tell them to remove the deposit/hold. I called them, eventhough the receipt already shows the deposit/hold was taken off. XXXX told me the bank, in this case Affirm, needs to update the charge. Affirm has yet to do so. I don't understand what problem they have even after I have shown the final receipt with the final charge. Affirm needs to be more responsive with updating plans especially after I have shown the receipt. I have uploaded the receipt where the last 4 of the card number can be seen. I also uploaded the Affirm plan details to show Affirm has not updated my loan plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Emailed company debt was paid with original account holder on XX/XX/25. Received email with a letter stating theyd delete from all credit bureaus notified on XX/XX/25. Emailed a second time, XX/XX/25 still reporting on XXXX. Asked again to take action on the matter. Emailed a XXXX  time in XX/XX/25 still reporting. Checked a fourth time XX/XX/25, its still reporting. Did not receive a response from the XXXX  nor the XXXX  email request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I am filing this complaint because there are unauthorized hard inquiries on my credit report with Equifax. 

Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>XXXX  I never applied for credit with these companies, I never gave authorization for these pulls, and I never signed any application or consent form. These inquiries are damaging my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 case number XXXX 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 2025-09-11 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: OR

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

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 2025-09-10 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) 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 XXXX XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with explanation