vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am filing this complaint because of systemic mishandling across multiple parties tied to my auto loan and insurance. 
XXXX XXXXSantander misapplied a {$2000.00} GAP refund on XX/XX/XXXX. Instead of curing my {$1500.00} past-due balance, they applied it to principal, leaving me falsely delinquent and charging late fees. Despite escalation, their portal still lists my XX/XX/XXXX complaint as OPEN and they continue negative credit reporting and repossession threats. 
XXXX XXXX XXXX denied my XX/XX/XXXX accident claim by asserting I did not select full coverage yet has never produced a signed waiver proving I declined collision/comprehensive. This contradicts state law and lender requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( the GAP administrator ) issued contradictory denials of my request for my own claim and contract records ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They admit they hold my data but refuse to disclose it, preventing me from resolving disputes.

Regulatory Issues : I have filed complaints with the NJ Department of Banking & Insurance ( XXXX ) and the NJ Lemon Law Unit. Instead of resolving, XXXX issued a premature closing letter while major issues remain open. I believe the regulators lack of enforcement is compounding consumer harm.

Pattern : These entities are shifting blame onto each other, leaving me in financial harm with a financed vehicle in limbo, false delinquency on my credit, unresolved insurance coverage, and withheld claim records. 

I request that CFPB : 1. Require XXXX XXXX to correct the misapplied GAP refund, remove fees, and suspend negative credit reporting. 
2. Require XXXX XXXX to produce a valid signed waiver or acknowledge coverage. 
3. Require XXXX XXXX XXXX  to release my full claim/contract records. 
4. Review XXXX and NJ Lemon Laws handling, as their inaction leaves me without meaningful state protection.

This is not an isolated error but a coordinated failure across lender, insurer, warranty administrator, and regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently updated my XXXX  status was given a a XXXX  number I have a joint account with my wife I went online created a separate account with my new XXXX then both accounts closed

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 — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Upon reviewing my recent consumer credit report, I discovered bankruptcy entries that should not appear on my file. Based on my understanding of consumer protection laws, specifically 15 U.S.C. 1681, these inaccurate entries may constitute a violation of my consumer privacy rights. As a victim of identity theft, I did not authorize the release of this personal information, and these bankruptcy records do not belong to me. The presence of fraudulent information on my credit report is causing significant damage to my creditworthiness and financial reputation.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute a fraudulent account that has appeared on my credit report. I have never authorized, opened, or used this account. Its presence is entirely false and misrepresents my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
I took this loan out many years ago and have always made my payments on time and in full. At the end of XXXX, I mailed a check to pay off the remaining balance on my account. After two weeks, I checked to confirm the loan showed as paid, but it did not. 

I immediately called your office to ask what the issue was. I was told that you had not received my payoff check. I then contacted the issuing company and obtained copies of the cashed check. Records show that the check was in fact processed and cashed by your company on XX/XX/XXXX. 

I promptly sent all of this proof to you and asked to speak with a supervisor or someone in authority who could resolve the matter. Over the past two weeks, I have called every day, but no one has been willing to escalate my case or provide assistance. Instead, I keep being told it may take up to 60 days to find the money, and in the meantime, I am expected to continue making payments on an account that has already been paid in full. 

This is unacceptable. I have requested your legal departments contact information and mailing address, but instead I am repeatedly placed on hold and told that nothing can be done. I am now formally requesting that this matter be corrected immediately. My account should reflect a XXXX balance, and all further payment demands must stop, as I have fulfilled my obligation in full.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per USC 1681g, a 15-day window is allowed to resolve these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year>, I made a payment of approximately {$6000.00} to pay off my entire Apple Card balance ( issued by Goldman Sachs ), reducing my credit utilization to 0 %. This payment was intended to clear the account and restore my full credit limit of {$6000.00} for future use. 
However, the payment was returned due to insufficient funds in my linked bank account at the exact time of processing, even though the funds were deposited the very next day on XX/XX/year>. Immediately after the return, on XX/XX/year>, Goldman Sachs reduced my credit limit from {$6000.00} to {$2000.00} without any prior notice or explanation. 
I contacted Apple Card support via phone the same day ( XX/XX/year> ) to address the returned payment. I offered to provide proof of the funds now available in my bank account and explained that the return was an accidental timing issue. I also expressed concern that this would negatively impact my credit score and emphasized that I had paid off the balance with the expectation of maintaining my full credit limit, not having it reduced by {$4000.00}. Support did not restore the limit or provide reasons for the reduction, and no adverse action notice has been received to date explaining the decision.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/year> -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Virginia XXXX XXXX  XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried several times to have the bureaus validate the bankruptcies on my credit but they have not been able to validate. They are saying that XXXX XXXX is validating the bankruptcies but XXXX XXXX has not been able to validate the bankruptcies and have removed them from my profile with them. Equifax Transunion and Experian knows this because I send a letter that I received from XXXX XXXX to them and they have ignored that letter which means they have violated the FCRA laws, 611 ( 15 U.S.C. 1861i ) Dispute Process, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy, 616-617 ( 15 U.S.C. 1681n & 1681o ) -Civil Liability and the damages can be from $ XXXX {$1000.00} per violation, punitive damages, plus attorney fees.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried several times to have the bureaus validate the bankruptcies on my credit but they have not been able to validate. They are saying that XXXX XXXX is validating the bankruptcies but XXXX XXXX has not been able to validate the bankruptcies and have removed them from my profile with them. Equifax Transunion and Experian knows this because I send a letter that I received from XXXX XXXX to them and they have ignored that letter which means they have violated the FCRA laws, 611 ( 15 U.S.C. 1861i ) Dispute Process, 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy, 616-617 ( 15 U.S.C. 1681n & 1681o ) -Civil Liability and the damages can be from $ XXXX {$1000.00} per violation, punitive damages, plus attorney fees.

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: CA

Complaint narrative:
My financial reliability isn't portrayed correctly in this summary.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 2025-08-28 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
As of XX/XX/year>, I still do not have access to my Navy Federal account despite fully complying with the documentation requirements. I submitted my full name, phone number, email address, signed forms ( signed three times as requested ), and a copy of my valid photo ID.

Navy Federal has failed to provide me with the update code or restore access to my account. Because of this delay : I can not access my money to pay bills.

My Navy Federal Credit Card payment is due today, XX/XX/year> and I can not make the payment. 

I am at risk of incurring late fees and negative reporting to the credit bureaus. 

My financial obligations are disrupted, causing direct financial and personal harm. 

I believe Navy Federals failure to provide timely account access constitutes unfair treatment and negligence. I have been transparent and responsive, yet my account remains locked, blocking me from my own funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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 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: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my recent consumer credit report, I discovered XXXX  entries that should not appear on my file. Based on my understanding of consumer protection laws, specifically 15 U.S.C. 1681, these inaccurate entries may constitute a violation of my consumer privacy rights. As a victim of identity theft, I did not authorize the release of this personal information, and these XXXX records do not belong to me. The presence of fraudulent information on my credit report is causing significant damage to my creditworthiness and financial reputation.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was scammed out of {$2800.00} through a fraudulent XXXX transfer from my Chase account. The scammer deceived me into authorizing the payment under false pretenses. I reported it to Chase right away, but they refused to refund me, claiming I was responsible. Chase failed to protect me against a known XXXX scam risk. I am requesting a full reimbursement of {$2800.00}. I had also submitted a FTC Complaint. 
So I would like to request again for a refund of {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
THE HOME DEPOT/CITIBANK Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/year>2015 I contacted CITIBANK for over ten years about this fraudulent account they have failed to rectify this theft situation related to identity theft. I did not open this account. This account is FRAUDULENT

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
JPMorgan Chase Bank is reporting a charged-off account on my XXXX  credit file under Account XXXX XXXX, opened XX/XX/2019, with a reported balance of {$2700.00}. I have disputed this tradeline with XXXX, but JPMCB verified the account without providing documentation to me. This raises serious concerns about whether a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 and 1681i ). By verifying without proper investigation, JPMorgan Chase is continuing to report unverifiable and inaccurate information, which is damaging my creditworthiness.

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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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