vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I requested a full and complete record of my vehicle purchase and loan transaction, including : The original retail installment contract with all addendums Full documentation of my {$5000.00} trade-in value agreement Reinstatement figures and payment ledger Proof of lawful credit origination and internal underwriting data Statements regarding the default, payoff demand, and repossession terms Any internal communication justifying denial of my {$500.00} tender payment A written explanation of why Arizona law allegedly requires full payoff The legal grounds and process used to report my account to credit bureaus I also requested that they cease all credit reporting and collection efforts while this matter is under dispute and remedy filing, including my federal claim filed XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
XX/XX/year> {$1400.00} cashapp unauthorized transaction i reported the matter immediately my card was hacked and it was not authorize I reported the matter immediately to casapp they shut my account down and I never received my {$1400.00} back i just want my money back I never authorized anything transaction my card was hacked i told them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am submitting this complaint regarding Equifax 's continued reporting of unauthorized hard inquiries on my credit report despite having submitted a formal dispute in XX/XX/XXXX. I provided Equifax with a list of inquiries for which the furnishers confirmed no permissible purpose, no signed application, and no authorization from me. Equifax failed to delete these inquiries or to verify them through acceptable documentation. This conduct violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681b Inquiries were made without a permissible purpose. 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable data must be deleted. 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) I requested copies of any original documentation used to justify these inquiries. 15 U.S.C. 1681s-2 The furnishers are responsible for reporting only authorized data. 15 U.S.C. 1681i ( a ) ( 7 ) I requested method of verification and received no proper explanation. 15 U.S.C. 1681c-1 These inquiries present identity theft risks. Additionally, Equifax has relied on automated systems ( e-OSCAR ) for reinvestigation, which courts have found to be inadequate : Burke v. Experian, 2011 WL 1085874 ( E.D. Va. ) Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) This behavior also conflicts with recent regulatory actions : CFPB v. Experian Info. Sols. Inc., No. 8:25-cv-00024 ( C.D. Cal., Jan. 7, 2025 ) CFPB Order Against Equifax , Jan. 17, 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: SC

Complaint narrative:
Subject : Formal Dispute and Validation Request for Closed Account To : Lead Bank / Self Lender  Date : XXXX XXXX Dear Lead Bank / Self, I am writing to formally dispute the alleged debt. This account was closed by me, and the final funds owed to me were returned. After closure, no further charges were authorized or permitted by me. 

Despite this, I have been charged {$94.00} in interest after account closure, and this balance has now been reported negatively to the credit bureaus. 

I request the following under the Fair Credit Reporting Act and Fair Debt Collection Practices Act : 1. Full validation of the alleged debt ( including itemized charges, interest rates, and why they continued after closure ).

2. Proof of contractual obligation allowing post-closure interest to accrue.

3. Immediate removal of any negative reporting from my credit report related to this account.

Until this is resolved, I formally dispute the accuracy of any information being reported about this account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I submitted a request to Bridgecrest regarding my XXXX XXXX loan. During review of the XXXX XXXX XXXX, I discovered that my fully paid-off XXXX trade-in was recorded as having {$0.00} net trade-in value, despite having a clean title and market value. 

This raised concern that the XXXX was not properly retired, but XXXX have been retained on paper or electronically as phantom collateral, and possibly re-securitized. 

The contract also shows a blank assignment clause ( Section 20 ) and unsigned seller sections, which may have enabled the undisclosed transfer of my auto loan or trade-in asset into an asset-backed security ( ABS ) trust. 

I requested documentation related to : Assignment or securitization of the loan Lien release or title disposition of the traded XXXX Reason for the {$0.00} trade-in value Bridgecrest has not provided any of the requested documentation. This raises concerns of fraud, title laundering, and consumer deception, potentially violating TILA, NJSA 56:8-19, and SEC Rule 10b-5. 

I am seeking a full investigation, production of the requested records, return of my XXXX fair market value, and federal review of potential double-securitization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRSTBANK
State: AZ

Complaint narrative:
I have tried to open a bank account and they were saying that it was something was reported to XXXX XXXX there should be nothing reported to XXXX XXXX I have not had an account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : RESURGENT/LVNV FUNDING Account number : XXXX Your NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear RESURGENT/LVNV FUNDING, I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX charged-off accounts that are reporting inaccurate and inconsistent information across the XXXX major credit bureaus : XXXX XXXX and TransUnion. 

The accounts involved are : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Upstart Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX These accounts show discrepancies in reporting such as differing balances, charge-off dates, payment histories, and account statuses across the XXXX credit bureaus. 

I have disputed these accounts with the credit bureaus and submitted evidence showing the inaccurate and inconsistent data. Despite that, the accounts were marked as " verified '' without any meaningful investigation or correction. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, which require furnishers and consumer reporting agencies to ensure the maximum possible accuracy of the information they 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 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT. XXXX XXXX XXXX # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX ACCOUNT. XXXX XXXX XXXX # XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are inquiries on my Equifax that do not belong to me and didnt Authorize They are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are inquiries on my XXXX  report that do not belong to me and didnt authorize. They 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
[ Current Date : XX/XX/year> ] To Whom It May Concern, This letter details a why i can topen accounts either credit or debit XXXX scam that caused significant financial issues and banking difficulties. A XXXX transaction resulted in an estimated loss of around {$150.00}. Subsequently, paychecks were returned, leading to a negative account balance and the inability to access funds. Problems have been experienced regaining access to the Navy Federal account and with XXXXXXXX XXXX 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
They call several times a day, all hours of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I pulled a copy of my credit report and noticed a bunch of inaccuracies and errors with this accounts activity and payments. This account has reported 30 days late consecutively for 2 months straight and the account status is incorrect. 

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 2025-06-24 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:
I pulled a copy of my credit report and noticed a bunch of inaccuracies and errors with this accounts activity and payments. This account has reported 30 days late consecutively for 2 months straight and the account status is incorrect. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was just notified of a New Inquiry reported by XXXX on XX/XX/year>, which I didnt request to pull a copy of my credit file. There were two purchases over a total of {$1000.00} made from Belks in XXXX and XXXX, Ga.

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 2025-06-24 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: OH

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 2025-06-24 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$15000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
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 2025-06-24 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: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-06-24 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:
My personal information was exposed to XXXX data breach and my identity stolen I do not recognize these accounts listed below 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 2025-06-24 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:
I've recently received a copy of my credit report and noticed several discrepancies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I've recently received a copy of my credit report and noticed several discrepancies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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