vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX. and the nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding the inaccurate and unlawful reporting of a charge-off tradeline related to an alleged XXXX XXXX account ending in XXXX. 

XXXX XXXX has placed this account with XXXX separate collection agencies in succession : first with XXXX XXXX XXXX XXXX, and later with XXXX XXXX XXXX XXXX XXXX XXXX Both entities failed to provide proper validation of the alleged debt in violation of 15 U.S.C. 1692g ( b ) of the FDCPA. 

XXXX XXXX XXXX explicitly confirmed in writing ( via CFPB and direct correspondence ) that it could not validate the debt and therefore closed the account and returned it to XXXX XXXX. 

XXXX XXXX XXXX subsequently attempted collection, yet also failed to provide any original signed contract, chain of title, or accounting records proving ownership or legal authority to collect. Their so-called validation consisted only of monthly statements, which do not meet the standards of the FDCPA or FCRA. 

Despite these failures, XXXX XXXX continues to report a derogatory charge-off tradeline to the credit bureaus. This reporting is inaccurate and misleading under 15 U.S.C. 1681s-2 ( b ) of the FCRA, because : XXXX XXXX has twice outsourced the alleged account to collectors who admitted they could not validate the debt.

No IRS Form 1099-C has been issued, further undermining the legitimacy of the alleged charge-off.

The bureaus are relying on unverifiable data in violation of the FCRAs requirement for maximum possible accuracy and the Metro 2 reporting standards. 

The contradictory responses from XXXX XXXX and its agents demonstrate that this tradeline can not be verified and must therefore be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX, XXXX. and the nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) regarding the inaccurate and unlawful reporting of a charge-off tradeline related to an alleged XXXX XXXX account ending in XXXX. 

XXXX XXXX has placed this account with XXXX separate collection agencies in succession : first with XXXX XXXX XXXX XXXX, and later with XXXX XXXX XXXX XXXX XXXX XXXX Both entities failed to provide proper validation of the alleged debt in violation of 15 U.S.C. 1692g ( b ) of the FDCPA. 

XXXX XXXX XXXX explicitly confirmed in writing ( via CFPB and direct correspondence ) that it could not validate the debt and therefore closed the account and returned it to XXXX XXXX. 

XXXX XXXX XXXX subsequently attempted collection, yet also failed to provide any original signed contract, chain of title, or accounting records proving ownership or legal authority to collect. Their so-called validation consisted only of monthly statements, which do not meet the standards of the FDCPA or FCRA. 

Despite these failures, XXXX XXXX continues to report a derogatory charge-off tradeline to the credit bureaus. This reporting is inaccurate and misleading under 15 U.S.C. 1681s-2 ( b ) of the FCRA, because : XXXX XXXX has twice outsourced the alleged account to collectors who admitted they could not validate the debt.

No IRS Form 1099-C has been issued, further undermining the legitimacy of the alleged charge-off.

The bureaus are relying on unverifiable data in violation of the FCRAs requirement for maximum possible accuracy and the Metro 2 reporting standards. 

The contradictory responses from XXXX XXXX and its agents demonstrate that this tradeline can not be verified and must therefore be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, I notice that someone had applied for unemployment with my information. I called the police and they told me to file for a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my installment loan account with Santander was charged off, and the amount of {$10000.00} was written off as bad debt. On XX/XX/XXXX, I entered into a written settlement agreement with Santander XXXX XXXX XXXXSantander XXXX XXXX XXXXXXXX, whereby I paid {$7500.00} in full satisfaction of the account. This settlement was made with the express understanding that I would thereafter own my vehicle free and clear and that Santander would release and deliver the title to me. 

As of XX/XX/XXXX, Santander has failed and refused to provide the vehicle title as agreed. Instead, Santander has wrongfully asserted that additional amounts are owed despite the settlement agreement. Moreover, Santander has unlawfully transferred possession of my vehicle to a third-party buy here, pay here dealership, which is now attempting to resell my vehicle for {$17000.00}. 

These actions constitute a breach of the settlement agreement, wrongful deprivation of property, and bad-faith conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
XXXX  the fair credit reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX I looked at my Experian and noticed some things are incomplete and not accurate. According to the FCRA 15 USC 1681E ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Sunrise Credit Services reported a debt to credit bureaus without providing validation as required under the FDCPA ( 15 U.S.C. 1692 ; 12 CFR 1006.34 ( b ) ( 5 ) ), including the mandatory written notice within five days of communication. If so provide copy of certified mail bearing my signature. They failed to give me the opportunity to dispute the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), engaging in false and misleading reporting ( 15 U.S.C. 1692e,1692j ), and did not provide proof of authority or legal right to collect/report ( 12 CFR 1006.34 ( d ) ; FCRA 15 U.S.C. 1681s-2 ). The account was reported without my written consent, potentially involving identity theft ( FCRA 605B ; 15 U.S.C. 1681b ) and continued reporting violates FCRA 623 ( a ) ( 3 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
No money in my account but they have a horrible system that won't let me delete my accounts and I can not get in contact with a human. 

There is no online chat service like they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
i received a Personalized invitation from Chase credit cards both through email and letter to apply for a credit card that it knew it would never approved based on its own internal algorithm and rules. Bait and switch strategy that may be in breach of UCC law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NJ

Complaint narrative:
I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I disputed inaccurate information on my Equifax credit report on XX/XX/year>. In my dispute, I requested : 1. Correction or deletion of inaccurate information per 15 USC 1681s-2b.

2. A proper reinvestigation within 30 days.

3. Notification to the furnisher within 5 business days.

4. The method of verification explaining how Equifax confirmed the information.

5. No re-insertion of previously deleted or inaccurate information.

Equifax failed to comply : The accounts still remain inaccurate, Equifax did not properly mark the items as in dispute, and I was not provided a meaningful method of verification. This has caused harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I am filing a complaint against OneMain Financial for deceptive and unfair loan servicing practices. 


-Loan history : I obtained my loan with OneMain Financial XXXX XX/XX/XXXX. Since origination, I have been on automatic draft payments. My records show I have been current every month through XX/XX/XXXX. 

-False delinquency claim : Since XX/XX/XXXX, a OneMain representative will call me and claimed I missed a payment in XXXX. This is false. I have payment records confirming all drafts were successful to satisfy my minimum payment. After review, looks like a XXXX payment was missed, due to there being an extra payment cycle during the month. I confirmed that this return didn't affect my account negatively, as at that point, my payments were actually ahead. 

-Failure to apply payments properly : On XX/XX/XXXX the branch manager, XXXX XXXX XXXX called to say I missed a XXXX payment. I asked, If I missed a payment in XXXX, why didnt the next automatic draft apply to that month? He refused to answer, and raised his voice, and continued to use phrases like " I want you to win, '' " you're going to be stuck with this loan another 6 months, '' and " I AM the branch manager, you will not be able to speak to anyone else, '' and lastly " I'm trying to make it make sense to you, because you are late. '' Then yelled " XXXX XXXX, IF YOU ARE NOT GOING TO LISTEN AND DO WHAT I'M TELLING YOU, WE MAY AS WELL STOP SPEAKING, '' I agreed, and let him know I am disconnecting. I have never been yelled at by a man in this manner. 

Pressure to change loan terms : XXXX XXXX informed me the only way to resolve the issue was to change my due date. This would cause me to accrue additional interest and alter my amortization schedule to the companys benefit, not mine. 

-Refusal to provide written documentation : I stated I would agree to a due date change if OneMain could email me a written recap of what occurred. XXXX XXXX refused, saying, XXXX cant put it in writing, but you will get notification of the due date change. This is deceptive and deeply concerning. Especially at the beginning of the call, XXXX XXXX claimed to be calling on a recorded line. 

-Auto-draft conflict : Because payments are auto-drafted, there should be a clear record if any payment failed or was returned. OneMain has provided no such evidence. 

-As a last resort, I called the customer service line and received VERY helpful information from XXXX XXXX She stated that my due date is actually on the XXXX, but the branch agreed to my biweekly payments to be on the XXXX and XXXX, making my last payment " late, '' but within the grace period, and that I should not have been spoken to that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NV

Complaint narrative:
I disputed a credit with Equifax. They sent me a letter stating they could not find my information. To send more information I sent a copy of my Nevada driver license and water bill for proff of identification they sent me a letter asking for what I already sent proving they are ignoring my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Noncompliance and Lack of Verification under FCRA To Whom It May Concern : This is my second dispute regarding the following unauthorized inquiries on my credit report. In the first attempt, I did not receive proper verification or supporting documentation to justify their presence. 

Disputed inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681b, all inquiries must have a permissible purpose. Furthermore, according to METRO 2 guidelines, inquiries must be associated with an active account or formal request. 
I hereby demand : 1. Immediate deletion of all unverified inquiries.

2. A copy of the signed contract or evidence of my authorization.

3. Correction of my report according to the accuracy obligations under 607 ( b ).

If this issue is not resolved, I reserve the right to file a formal complaint with the CFPB and other relevant agencies. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have XXXX open disputes with PNC Bank, XXXX opened on XX/XX/XXXX, another in XX/XX/XXXX. XX/XX/XXXX in the amount of XXXX, and the other for XXXX. XXXX requested more information which I sent in. I have called PNC bank about both disputes approximately 8 times. I have been told at least twice that XXXX dispute was supposed to be settled by XX/XX/XXXX. That date came and went and nothing happened. I am out money and got nothing for either transaction and the financial institution did not give me a provisional credit which I thought was a regulation under Schedule E after ten days if the dispute was not settled. I have spent a lot of time on the phone, on hold, waiting for them to contact the disputes department to see what the hold up is and I just keep getting told theyre working on it. This is absolutely ridiculous. I have filed disputes in the past but I have never gone without my funds and gotten no information. The XXXX charge was an XXXX purchase I did not get and XXXX told me XXXX weeks ago they returned the money to PNC and yet I have not received the funds back. I just want the funds returned to me. I have waited over 2 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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