vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$53000.00} 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 : {$860.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX 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
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not entered into a formal contract with the company, and I did not provide my consent for them to access my personal information. As a result, I believe my rights to privacy have been infringed upon in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have raised serious concerns about the protection of my sensitive data and my ability to maintain my privacy in financial matters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX | XXXX Date : XX/XX/XXXX Complaint to Consumer Financial Protection Bureau To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington , DC XXXX Subject : Urgent Identity Theft & amp ; Fraud Complaint Santander Loan # XXXX Dear CFPB XXXX, I am filing a formal consumer complaint against XXXX XXXX XXXX  and its authorized dealership, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ, for identity theft and auto loan fraud that has severely impacted my credit report and personal finances. 

Nature of the Complaint : In XX/XX/XXXX, I contacted XXXX XXXX about a used car listed on their website. A representative named XXXX requested my personal information over the phone to check for pre-approval. He later informed me that I was approved and that the vehicle had already been purchased in my name, urging me to visit the dealership to pick it up. 

When I arrived, no vehicle was delivered to me, and I never signed any documents. 
However, a Santander loan was somehow initiated under my name for a car I never received or agreed to purchase. 

Key Facts Supporting Fraud : - Loan # XXXX was opened fraudulently. 
- I never received a vehicle. 
- The vehicle is not titled or registered in my name ( verified by XXXX  DMV ). 
- I did not sign any loan agreement or auto sales contract. 
- The signature on the contract does not match my XXXX  Drivers License. 
- Santander never issued or mailed a Lien Receipt or Buy Back Notice. 
- A former employee of XXXX XXXX confirmed there is a Buy Back Notice on the car. 

A Police Report ( XXXX XXXX, Report # XXXX ) has been filed, and I have submitted Santanders own Identity Theft Packet and Notarized Affidavit to them. Despite this, they continue to report this fraudulent loan to the credit bureaus and attempt collections. 

Requested Resolution : - Immediate removal of the loan and all associated derogatory information from my credit reports- Full regulatory investigation into Santanders relationship with XXXX XXXX and oversight of dealer-originated loans - Enforcement action for failure to follow proper identity verification and compliance procedures I am attaching copies of : - The Santander ID Theft Packet - Police Report - XXXX  DMV verification - Drivers license and supporting documentation Please assist in protecting my rights and holding Santander accountable . 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX & XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 explanation
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: EGL US, LLC
State: FL

Complaint narrative:
In XXXX of this year I paid my past due balance and on that day was told that I could refinance, then in the same day they told me I couldnt. In XXXX the following month I was told I had to make 10 more payments in order to refinance in which he said today was documented.I made a call today XX/XX/year> to verify how many more payments I needed to make and now Im being told 23 more payments, and that everyday it changes and that I have to wait 24 to 48 hours to speak with a supervisor. This has happened multiple times since the company has had new management or should I say a new ceo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I received a text from someone impersonating a Wells Fargo representative that said somebody was trying to sign into my account and asked if I authorized this. I said no and they said a representative would be with me shortly and I later received a call from someone impersonating to be a Wells Fargo representative. He said that after looking at my account, he also noticed that somebody was trying to take XXXX bucks from my account and transfer it and asked if I authorized this and I said no. He then asked if I wanted to put my account under investigation and I said yes and after about 30 minutes, he said that they were going to close that account and open a new one so he had me transfer my money to XXXX XXXX, and from XXXX XXXX  transfer it to a new routing number that he said was my new account number. I transferred all the funds in my account which was a total of {$2100.00}. He then said that I would be receiving an email with a new login for my account and hung up and I never received an email or my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: MS

Complaint narrative:
They gave me a loan for XXXX with a repayment of over XXXX dollars a month. When i calulated the amount i would pay back it was over XXXX..... they have financne me over 200 % of the value of my car. This all i have and now im about to lose it because they did me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
I need to emphasize that this dispute is not being submitted in error. My credit report contains significant inaccuracies that do not meet the requirement for maximum possible accuracy, as outlined in the Fair Credit Reporting Act ( FCRA ). These errors are placing a heavy burden on meemotionally, financially, and mentallyduring an already difficult time in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 reporting multiple inaccurate collection accounts that appeared on my credit reports without my authorization or proper verification. These accounts are the result of identity theft, and I have submitted a formal FTC Identity Theft Report to support my case. After reviewing my credit reports, I noticed the following accounts that I do not recognize and did not authorize : XXXXXXXX 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 These accounts reflect false or inconsistent information between bureaus, including incorrect account types, statuses, and payment history that do not align with my records. I never opened these accounts, never received validation of the debts, and was not notified properly as required by law. These accounts are affecting my creditworthiness and were reported in violation of my rights under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I worked with XXXX XXXX XXXX to pay down credit cards that had been sent to third parties. 

In XXXX I had enough money to pay them all off. 

XXXX XXXX is who had XXXX of my cards... 

Our Reference Number : XXXX Original Creditor Account Number : XXXX Original Creditor : XXXX Bank Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Creditor Account Number : XXXX Total Balance Due : {$370.00} Original Creditor : Bank XXXX Missouri Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : LVNV Funding LLC Current Discount Offer : Pay {$470.00} in up to XXXX payments, saving you {$110.00} This office is not obligated to renew this offer after XX/XX/year>. 

Total Balance Due : {$590.00} I spoke with XXXX XXXX XXXX and they contacted LVNV on those cards, they said it was their mistake and now they are sending letters to update that they are closed and paid in full. 

My credit went from XXXX in XXXX when I paid everything off down to XXXX. 

I want my credit score brought back up to where it was and my credit report to reflect the payment was done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I applied for a loan because I have no debt, my credit spotless, and old bankruptcy fallen off credit reporting. I was denied the loan, with my bank I have been with for two decades because the bankruptcy was not removed from my credit report. They Saud it should have been. They told me to have Experian remove and then they'd grant my loan. I contacted Experian, disputed the inaccuracy, files a complaint with XXXX. Experian responded to none of my outreach or complaints. They were held accountable for incorrect student loan info on my credit for a decade that costs me XXXXXXXX XXXX XXXX  in loss. They are doing it again. I want the old outdated bankruptcy removed today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> while on vacation, I took out a {$46.00} cash advance from my Capital One credit card. I have since made higher payments to the credit card to pay back the cash advance and cover purchases. Every month I still see interest charges cash advance on my statements. I called and spoke to a manager who said I have been billed interest on a {$46.00} cash advance since XX/XX/year>. The manager states theres no way to allocate the money to purchase vs cash advances due to the APR % being the same amount. The only solution they can provide is to pay off my entire balance, including purchases, in order to clear the cash advance interest charges. Purchases are separate than a cash advance so I am unsure why after 2 years, it still does not show I paid back the {$46.00} cash advance. This is bad business and not made clear to customers. After 2 years, I have paid half of the cash advance just in interest. I have no problem paying interest as its expected. But Capital One needs to find a better solution to take care of their customers and fully inform them of the implications of a small cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief