vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I made my payment to titlemax via thier online app. Due on the XXXX, I was unable to make it until the XXXX. I paid the full amount requested ensuring that any late fees were included. The money was accepted and withdrawn from my checking account instantly however, the app failed to produce the signature page. I made several attempts, even making an additional payment of {$1.00} hoping it would restart the process but it didn't. I didn't know " thier '' app malfunction would be " my '' problem since they had my {$500.00} payment. Then the harassing collections calls started. I went to the branch to sign as they demanded. After I arrived I was told in order to sign I would have to pay {$200.00}. I didn't have {$200.00} and was threatened with repossession claiming the loan was 30 days past due because the signature was missing even though they've had the payment the whole time. Even though I've tried to sign online and in person at the store.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-01 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: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am writing to file a formal complaint to TRUIST regarding unauthorized inquiries reflected in my credit report. Upon reviewing my credit file, I noticed that several companies have accessed my credit report without my permission. These inquiries were made without my knowledge or consent, and I did not authorize any of these companies to review my credit history. As a result, I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, specifically the provision that requires a company to have a permissible purpose before accessing my credit information. I respectfully request an immediate investigation into these unauthorized inquiries and that the TRUIST will remove them from my report. I am also requesting that the companies responsible for these unauthorized inquiries provide documentation showing that they had the required consent or permissible purpose to access my credit file. I trust that your agency will take the necessary steps to address this violation and ensure my credit report is corrected in accordance with the FCRA.

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 2025-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I previously submitted a complaint because Chase Bank fraudulently opened a custodian account for my son when I sought to open a regular account. The custodian they placed on the account was my mom, who has passed away, and when fees started being processed on the account because of balance, we couldnt do anything with the account. So that funds would not deplete until my son turns XXXX, and because we couldnt get any resolution with the Bank, we put in a substantial amount of money to just stop the fees. 

Fast forward a few years later we received a letter that the account. Would become dormant since there has been no activity ( of course, because we cant withdraw and dont want to out any more money on ). The letter was dated XX/XX/XXXX and said that something would have to take place within two months of the letter to avoid the account going dormant. In response, we went to deposit money yesterday, XX/XX/XXXX, within the two month period. We were then advised the account has already gone dormant and there is nothing they can do.

This is fraudulent to inform us we have two months and then not give us the two months. This account and bank has been a nightmare to deal with of constant lies, misrepresentation, and blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-01 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-01 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: CT

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-01 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance : {$940.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX : {$9100.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am submitting this complaint because Santander Consumer USA continues to report a charged-off auto loan account inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), despite multiple written disputes. The account relates to a XXXX XXXX XXXX that was voluntarily surrendered in XX/XX/XXXX after being towed in XX/XX/XXXX. I was unable to recover the vehicle due to financial hardship, and I informed the lender of the voluntary surrender. 

On XX/XX/XXXX, I sent a formal FCRA dispute letter requesting correction or deletion of the account, which has continued to update monthly with a charge-off status, despite the account being closed and the vehicle surrendered over XXXX years ago. I never received a formal response. On XX/XX/XXXX, I followed up with a second notice citing specific FCRA provisions, including 623 ( a ) ( 1 ) ( A ) requiring accurate and complete reporting, and 611 requiring investigation of consumer disputes. 

To date, Santander has failed to acknowledge, respond to, or correct the record. Continued reporting of monthly charge-off activity on a surrendered account is both misleading and damaging, especially as it misrepresents the nature and status of the loan. 

I am requesting that Santander be directed to delete this tradeline or correct the account to reflect accurate closure and cessation of monthly derogatory updates, in accordance with FCRA requirements and relevant CFPB consent orders. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account was fraudulently opened by a relative who is now deceased. I have repeatedly made this clear to XXXX XXXX XXXX XXXX, submitting detailed written notices and an FTC Identity Theft Report/Affidavit. Despite this, XXXX XXXX has persistently ignored or mishandled the situation in ways that violate numerous consumer protection laws. 

XXXX XXXX has engaged in a pattern of reckless and abusive practices, including : Reopening and closing the account multiple times, adding more than {$14000.00} in capitalized amounts that artificially inflate the alleged debt. 

Reporting the account as charged off, then reopened, then charged off again, repeatedly altering the status and balance, creating an erratic and severely damaging credit history. 

Now claiming late payments on an account that was already charged off, resulting in multiple layers of harm for a debt that was fraudulent to begin with. 

Sending generic or adverse responses to my attempts to resolve this, demonstrating either willful disregard or gross incompetence. 

These actions have had a direct and profound negative impact on my credit profile, affecting my ability to secure loans, educational funding, and other critical financial products necessary for my future. 

XXXX XXXX XXXX XXXX conduct appears to violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and failure to correct or delete inaccurate, incomplete, or unverifiable information.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : Repeated improper recalculations and failure to resolve billing disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Attempting to collect on a fraudulent debt that was never valid and continuing after receiving an FTC identity theft affidavit.

FTC Act, 15 U.S.C. 45, and Dodd-Frank UDAAP provisions , 12 U.S.C. 5531 : Engaging in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by manipulating account statuses and balances to my detriment.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : By willfully harming my ability to access legitimate credit opportunities through gross misreporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
This account was fraudulently opened by a relative who is now deceased. I have repeatedly made this clear to XXXX XXXX XXXX XXXX, submitting detailed written notices and an FTC Identity Theft Report/Affidavit. Despite this, XXXX XXXX has persistently ignored or mishandled the situation in ways that violate numerous consumer protection laws. 

XXXX XXXX has engaged in a pattern of reckless and abusive practices, including : Reopening and closing the account multiple times, adding more than {$14000.00} in capitalized amounts that artificially inflate the alleged debt. 

Reporting the account as charged off, then reopened, then charged off again, repeatedly altering the status and balance, creating an erratic and severely damaging credit history. 

Now claiming late payments on an account that was already charged off, resulting in multiple layers of harm for a debt that was fraudulent to begin with. 

Sending generic or adverse responses to my attempts to resolve this, demonstrating either willful disregard or gross incompetence. 

These actions have had a direct and profound negative impact on my credit profile, affecting my ability to secure loans, educational funding, and other critical financial products necessary for my future. 

XXXX XXXX XXXX XXXX conduct appears to violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and failure to correct or delete inaccurate, incomplete, or unverifiable information.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : Repeated improper recalculations and failure to resolve billing disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Attempting to collect on a fraudulent debt that was never valid and continuing after receiving an FTC identity theft affidavit.

FTC Act, 15 U.S.C. 45, and Dodd-Frank UDAAP provisions , 12 U.S.C. 5531 : Engaging in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by manipulating account statuses and balances to my detriment.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : By willfully harming my ability to access legitimate credit opportunities through gross misreporting.

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 2025-07-01 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: PA

Complaint narrative:
This account was fraudulently opened by a relative who is now deceased. I have repeatedly made this clear to XXXX XXXX XXXX XXXX, submitting detailed written notices and an FTC Identity Theft Report/Affidavit. Despite this, XXXX XXXX has persistently ignored or mishandled the situation in ways that violate numerous consumer protection laws. 

XXXX XXXX has engaged in a pattern of reckless and abusive practices, including : Reopening and closing the account multiple times, adding more than {$14000.00} in capitalized amounts that artificially inflate the alleged debt. 

Reporting the account as charged off, then reopened, then charged off again, repeatedly altering the status and balance, creating an erratic and severely damaging credit history. 

Now claiming late payments on an account that was already charged off, resulting in multiple layers of harm for a debt that was fraudulent to begin with. 

Sending generic or adverse responses to my attempts to resolve this, demonstrating either willful disregard or gross incompetence. 

These actions have had a direct and profound negative impact on my credit profile, affecting my ability to secure loans, educational funding, and other critical financial products necessary for my future. 

XXXX XXXX XXXX XXXX conduct appears to violate : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation and failure to correct or delete inaccurate, incomplete, or unverifiable information.

Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 : Repeated improper recalculations and failure to resolve billing disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. : Attempting to collect on a fraudulent debt that was never valid and continuing after receiving an FTC identity theft affidavit.

FTC Act, 15 U.S.C. 45, and Dodd-Frank UDAAP provisions , 12 U.S.C. 5531 : Engaging in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by manipulating account statuses and balances to my detriment.

Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 : By willfully harming my ability to access legitimate credit opportunities through gross misreporting.

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 2025-07-01 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: MN

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-07-01 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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