vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I contacted XXXX XXXX on XX/XX/year>, to inquire about my lease-end options. During that call, a customer service representative informed me that I could return my vehicle 30 days before the lease maturity date and, if I did so, I would not be responsible for the final monthly lease payment. They also stated there would be no early return penalty. 

My lease was scheduled to mature on XX/XX/year>, so I was told I could return the vehicle on XX/XX/year> to qualify for the waived payment. I called again on XX/XX/year> to confirm this, and another representative verbally reconfirmed the same information. 

Based on this guidance, I returned the vehicle on XX/XX/year>, as instructed. However, I am now being charged {$910.00} for the final lease payment, despite having followed the instructions given by their own staff. When I contacted the company again on XX/XX/year>, they admitted that the previous representatives had given me false information, but insisted that I am still responsible for the full {$910.00}, regardless of what was communicated to me earlier. 

They also stated that even though the miscommunication was their fault, they would not waive the fee under any circumstances, and could only offer a payment plan. 

This is deeply unfair, as I returned the vehicle early based solely on their guidance, and would not have done so otherwise. I was not given this information in writing, but I believe the company retains recordings of my calls with their representatives from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
There is a medical collection listed on all three of my credit reports. I have contacted the creditor as well as the credit bureaus. No response and all of my concerns are being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NY

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 605B 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 2025-05-27 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: WA

Complaint narrative:
. The balance listed on these XXXX accounts are inaccurate. The information being reported is showing as XXXX XXXX  for each month starting XXXX and XXXX of 2022, which is incorrect and not permitted. XXXX XXXX does NOT happen on a reoccurring monthly basis, so the information is not only inaccurate but also misreported, which are violations of my consumer rights ; refer to XXXX XXXX. XXXX. Please note, I have never received any communication regarding the said debt or XXXX status. The creditors have also violated my right to be informed about the debt balance. 

Should the creditors not take my complaints seriously this time I am fully prepared to pursue legal action against them for statutory damages/violating my rights as a consumer protected under 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 2025-05-27 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: WA

Complaint narrative:
. The balance listed on these charged-off accounts are inaccurate. The information being reported is showing as charged off for each month starting XXXX and XXXX of 2022, which is incorrect and not permitted. Charging off does NOT happen on a reoccurring monthly basis, so the information is not only inaccurate but also misreported, which are violations of my consumer rights ; refer to 15 U.S.C. 1681. Please note, I have never received any communication regarding the said debt or charge-off status. The creditors have also violated my right to be informed about the debt balance. 

Should the creditors not take my complaints seriously this time I am fully prepared to pursue legal action against them for statutory damages/violating my rights as a consumer protected under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Im currently facing a lawsuit from a collection agency demanding payment for a debt. I have formally requested debt validation and a copy of the purchase agreement, yet I have not received any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I requested a auper visor on XX/XX/year> when I was directed to a series of odd questions. The supervisor provided no help and abruptly hung up the phone. I called back and it was the same employees I tried again on XX/XX/year> on XXXX different calls with no answers. XXXX XXXX has my unemployment money and refuses me to access it. Making the hardship more difficult then it has to be. I have missed bills and rent due to their negligent behavior. I called again XX/XX/year> no resolution. Called again on XX/XX/year> the representative said there were no issues. I was declined payments at XXXX different locations. I called again on XX/XX/year> and they said the card has been closed and I would have to wait a week to be issued a new one. Im being singled out and targeted for being unemployed and have been restricted from my account. I will be houseless if I dont receive my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NY

Complaint narrative:
I received a call from a collector regarding damages to a vehicle involved in an accident I was part of. The only damage I caused was to the front fender and bumper. However, they are now claiming the total damages amount to {$17000.00} and have stated that my drivers license may be suspended as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
Consumer Name : Sample Client Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 am filing a complaint against Equifax for its failure to properly investigate and remove fraudulent information from my credit report, despite my submission of a valid FTC Identity Theft Report and supporting documentation, in accordance with the Fair Credit Reporting Act ( FCRA ). My Equifax credit file contains unauthorized accounts, personal information, and credit inquiries that I did not authorize. Equifax responded to my disputes by stating the inquiries were a matter of fact, which directly violates FCRA 604, as no permissible purpose or consumer consent was provided. Their refusal to block these items disregards my rights under federal law and has caused continued harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Check that were made withy account number on them were used to withdrawal money from my account. When I opened the account I was transparent about what it was going to be used for. Which was so that tenant can pay there rent online and I was informed by the banker that I could give my tenants the bank account info without them being able to make withdrawals. On XX/XX/XXXX {$3100.00} was withdrawn from my account and on XX/XX/XXXX {$900.00} was withdrawn. I noticed the transaction on XX/XX/XXXX and went straight to the bank and filed a complaint. The bank manager told me since it is a business account they will not replace money. I told him that I was not informed of that at the time that I opened the account and that when I opened the account I was told that no one would be able to make a withdrawal with our identification. He proceeded by trying to sell me protection for the remainder of my funds that was left in the account. He also said it could take up to a year to hear anything in regards to replacing my money. I put a hold on the account and He filed the dispute a month later I reached out to a different bank to see the progress of the complaint and they said all they can see is that it has been filed. Two months later I called the bank again and they had to reach out to the bank that I originally filed the complaint with and was informed that one month ago my claim was denied. I am emotionally and financially distressed about this. I would like my money replaced and for Huntington back to implement a process that informs their customers on about the risk of having their money in a unsecured business account, which I had no information on, or was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MD

Complaint narrative:
My name is XXXX XXXX I am writing to formally dispute inaccurate and unauthorized information currently listed on my credit report, confirmation number XXXX. Pursuant to 15 U.S. Code 1681i and 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I jave requested the deletion of derogatory accounts and inquiries that do not belong to me. Despite a previous dispute, several fraudulent accounts and inquiries were not removed. The account previously flagged in dispute from XXXX XXXX ( * XXXX ), as well as various hard inquiries listed throughout XXXX and XXXX, are not mine. I did not authorize these applications, and I have not conducted business with many of the entities that have made these inquiries. There has also been a confirmed data breach on my file, and I currently have an extended fraud alert and a legislative security freeze in place. These protections exist because my identity was compromised. Reporting companies were informed, yet continue to verify and report inaccurate and unauthorized data. Additionally, the following accounts have continued to report damaging and false information : XXXX. XXXX XXXX XXXX  Auto ( XXXX XXXX XXXX XXXX XXXX - This account inaccurately lists a repossession and is harming my credit score. This is not my account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is showing as a charge-off. I never opened or authorized this account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is not mine and should be deleted from my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Previously disputed, this account continues to report incorrect status and should be removed. 
There has also been a confirmed data breach on my file, and I currently have an extended fraud alert and a legislative security freeze in place. These protections exist because my identity was compromised. Reporting companies were informed, yet continue to verify and report inaccurate and unauthorized data. This constitutes a direct violation of 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 2025-05-27 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: MD

Complaint narrative:
My name is XXXX XXXX I am writing to formally dispute inaccurate and unauthorized information currently listed on my credit report, confirmation number XXXX. Pursuant to 15 U.S. Code 1681i and 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I jave requested the deletion of derogatory accounts and inquiries that do not belong to me. Despite a previous dispute, several fraudulent accounts and inquiries were not removed. The account previously flagged in dispute from XXXX XXXX ( * XXXX ), as well as various hard inquiries listed throughout XXXX and XXXX, are not mine. I did not authorize these applications, and I have not conducted business with many of the entities that have made these inquiries. There has also been a confirmed data breach on my file, and I currently have an extended fraud alert and a legislative security freeze in place. These protections exist because my identity was compromised. Reporting companies were informed, yet continue to verify and report inaccurate and unauthorized data. Additionally, the following accounts have continued to report damaging and false information : XXXX. XXXX XXXX XXXX  Auto ( XXXX XXXX XXXX XXXX XXXX - This account inaccurately lists a repossession and is harming my credit score. This is not my account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is showing as a charge-off. I never opened or authorized this account. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This account is not mine and should be deleted from my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Previously disputed, this account continues to report incorrect status and should be removed. 
There has also been a confirmed data breach on my file, and I currently have an extended fraud alert and a legislative security freeze in place. These protections exist because my identity was compromised. Reporting companies were informed, yet continue to verify and report inaccurate and unauthorized data. This constitutes a direct violation of 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 non-monetary relief
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : 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 non-monetary relief