vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, We are submitting a formal complaint regarding Santander Consumer USA and a financed XXXX XXXX XXXX with XXXX XXXX XXXX. We are experiencing multiple serious issues involving both mechanical failure and odometer discrepancies, along with possible misrepresentation at the point of sale. 

Summary of Issues : XXXX XXXX XXXX Failure On XX/XX/XXXX, the vehicle showed serious powertrain trouble ( Codes : XXXX, XXXX ) via XXXX XXXX, with XXXX kilometers recorded. 

A dealership service report ( dated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) confirmed : Knock sensor failure ( XXXX ). 
Cylinder misfire and piston issues. 
Oil leaks and corroded brake components. 
Current odometer reads XXXX miles, which is inconsistent with other recorded data. 

Mileage Discrepancies The XXXX report shows irregular mileage entries, suggesting potential odometer rollback or misreporting. 

This raises concerns about undisclosed damage, fraud, or a defective product misrepresented at sale. 

Undisclosed Accidents The vehicle history indicates two prior accidents that were not disclosed at the time of purchase. 

We contacted Santander Consumer USA and formally XX/XX/XXXX requested the following : Suspension of loan payments while this dispute is under investigation. 

Full powertrain repair, engine replacement, or vehicle replacement under warranty. 

Formal investigation into mileage discrepancies and undisclosed damage at the time of sale. 

Account remediation due to breach of merchantability and potential fraud. 

We are submitting this complaint under our consumer protection rights, including provisions of the XXXX XXXX XXXX, which guarantees that products meet a minimum standard of quality and reliability. 

We have the Supporting Documentation readily available upon request : Photo of odometer and dashboard warnings. 

XXXX XXXX Report ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX Report ( XX/XX/XXXX ). 

XXXX XXXX XXXX Report We respectfully request CFPBs assistance in investigating this matter and ensuring a fair resolution. The vehicle is no longer drivable due to check engine light blinking when turned on and its at the XXXX XXXX XXXX dealership as of XX/XX/XXXX via tow truck. They refuse to take accountability of the odometer fraud and stated we are not covered under power train warranty as second owner of the vehicle. Santander Consumer USA has not yet responded with a satisfactory resolution, despite multiple contacts and escalations. 

Sincerely, An consumer who never missed a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I financed a vehicle through XXXX XXXX XXXX XXXX XXXX and Texas CAR-MART XXXX Car-Mart of XXXX is the dealership and AMERICAS CAR-MART is the PARENT COMPANY! I read their SEC 10-K filing and they specifically stated that they installed GPS TRACKING TECHNOLOGY to all the vehicles that they purchased to help with tracking the vehicle when someone defaulted and I was never told when I agreed to the contract because I dont consent to being tracked by someone I dont know which has made me In FEAR OF MY LIFE AND THE SAFETY OF MY FAMILY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. THANK YOU.

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 2025-07-16 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: IL

Complaint narrative:
Court : XXXXXXXX XXXX Court-XXXX Filing XXXX : XX/XX/year> Case Number : XXXX After reviewing my records and consulting the court directly, I have reason to believe that this item was reported in error or can not be verified with sufficient accuracy.

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 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies and furnishers for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

A previously disputed and deleted account has been reinserted on my credit reports without providing proper notice as required by federal law. The following fraudulent accounts were opened in my name without my knowledge or consent : XXXX ( Acct : XXXX ) XXXX XXXX XXXX ( Acct : XXXX ) XXXX Auto ( Acct : XXXX ) These accounts were disputed and should have remained deleted. Instead, they were reinserted without notifying me in writing within 5 business days as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally, I was not given the name, address, or phone number of the furnisher who certified the accuracy of the reinserted items, in violation of 1681i ( a ) ( 5 ) ( B ) ( iii ).

This is a willful violation of my consumer rights and has negatively affected my creditworthiness, including lowering my credit score and causing denials of credit and financial opportunities. The reinsertion without compliance indicates gross negligence and disregard of federal law. 



What would be a fair resolution to this issue : 1. Permanent removal of all fraudulent accounts listed above from all credit reporting agencies.

2. A written statement confirming the permanent deletion of each account.

3. Full disclosure of the furnisher ( s ) who reverified these accounts after deletion.

4. An internal investigation by the CFPB into potential FCRA 1681n and 1681o violations for willful and negligent noncompliance.

5. Correction of any adverse credit consequences caused by these violations.

6. Assurance that no further reinsertion will occur without full compliance with FCRA 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 2025-07-16 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: FL

Complaint narrative:
Subject : Formal Demand for Reinvestigation Metro 2 Compliance Required To Whom It May Concern, This is a formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 compliance framework enforced by the XXXX XXXX XXXX XXXX ( XXXX ). This letter also serves as legal notice of failure to comply with FCRA 602, 607 ( b ), 611 ( a ), and Metro 2 format violations. 

I demand that the following accounts be fully deleted or verified through manual review, not through E-OSCAR or automated processes. This request includes data integrity requirements that mandate a real person and data furnisher must perform actual reinvestigation and validation. 

Disputed Accounts & Grounds for Removal XXXX XXXX XXXX XXXX ( XXXX XXXX Account # XXXX No notice sent per FDCPA 809. 
No contract or consent to collect. 
Incomplete account info ; violates Metro 2s Field ID requirement. 
Demand : Full deletion due to unverifiable, incomplete, and unauthorized entry. 
XXXX. XXXX XXXX  ( XXXX  XXXX ) Account # XXXX Duplicate reporting of a previously charged off account. 
No proof of assignment or legal ownership. 
Conflicts with XXXX XXXX 's own charged-off entry. 
Demand : Deletion for redundancy, false reporting, and lack of verification. 
XXXX. XXXX XXXX XXXX ( XXXX ) Account # XXXX Duplicate entry ; XXXX already charged off. 
Re-aged balance. No contract. 
Demand : Remove for improper reporting, FCRA 607 ( b ) violation. 
XXXX. XXXX XXXX Account # XXXX Closed by grantor, yet shows as charged off with balance due. 
Demand : Remove charge-off notation or delete entire entry. 
XXXX XXXX XXXX XXXX Account # XXXX Double listed under LVNV XXXX re-aged balance. 
Demand : Deletion for inaccurate and duplicate reporting. 
XXXX. XXXX Account # XXXX Debt sold but not updated ; no {$0.00} balance. 
Demand : Remove as duplicate with XXXX XXXX. 
XXXX. XXXX XXXX  Account # XXXX Consumer disagrees flag placed without reinvestigation notice. 
Demand : Remove for FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) violation. 
XXXX. XXXX Account # XXXX XXXX lates but lacks Account in dispute notice ; false reporting. 
Demand : Update or remove for noncompliance with Metro 2 Segment Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint against the credit reporting agencies and furnishers for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

A previously disputed and deleted account has been reinserted on my credit reports without providing proper notice as required by federal law. The following fraudulent accounts were opened in my name without my knowledge or consent : XXXX ( Acct : XXXX ) XXXX XXXX XXXX ( Acct : XXXX ) XXXX Auto ( Acct : XXXX ) These accounts were disputed and should have remained deleted. Instead, they were reinserted without notifying me in writing within 5 business days as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally, I was not given the name, address, or phone number of the furnisher who certified the accuracy of the reinserted items, in violation of 1681i ( a ) ( 5 ) ( B ) ( iii ).

This is a willful violation of my consumer rights and has negatively affected my creditworthiness, including lowering my credit score and causing denials of credit and financial opportunities. The reinsertion without compliance indicates gross negligence and disregard of federal law. 



What would be a fair resolution to this issue : 1. Permanent removal of all fraudulent accounts listed above from all credit reporting agencies.

2. A written statement confirming the permanent deletion of each account.

3. Full disclosure of the furnisher ( s ) who reverified these accounts after deletion.

4. An internal investigation by the CFPB into potential FCRA 1681n and 1681o violations for willful and negligent noncompliance.

5. Correction of any adverse credit consequences caused by these violations.

6. Assurance that no further reinsertion will occur without full compliance with FCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 submitting this complaint against the credit reporting agencies and furnishers for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

A previously disputed and deleted account has been reinserted on my credit reports without providing proper notice as required by federal law. The following fraudulent accounts were opened in my name without my knowledge or consent : XXXX ( Acct : XXXX ) XXXX XXXX XXXX ( Acct : XXXX ) XXXX Auto ( Acct : XXXX ) These accounts were disputed and should have remained deleted. Instead, they were reinserted without notifying me in writing within 5 business days as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ). Additionally, I was not given the name, address, or phone number of the furnisher who certified the accuracy of the reinserted items, in violation of 1681i ( a ) ( 5 ) ( B ) ( iii ).

This is a willful violation of my consumer rights and has negatively affected my creditworthiness, including lowering my credit score and causing denials of credit and financial opportunities. The reinsertion without compliance indicates gross negligence and disregard of federal law. 



What would be a fair resolution to this issue : 1. Permanent removal of all fraudulent accounts listed above from all credit reporting agencies.

2. A written statement confirming the permanent deletion of each account.

3. Full disclosure of the furnisher ( s ) who reverified these accounts after deletion.

4. An internal investigation by the CFPB into potential FCRA 1681n and 1681o violations for willful and negligent noncompliance.

5. Correction of any adverse credit consequences caused by these violations.

6. Assurance that no further reinsertion will occur without full compliance with FCRA 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have none of these accounts I dont know why there on my credit report XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I made an online purchase with my NAVY FEDERAL CREDIT CARD From XXXX XXXX XXXXXXXX, I paid the account in full, I did not receive the service from XXXX XXXX XXXX  I filed a dispute with NFC, MI called a month later and spoke with one of NFC representative who told me I had won the dispute of {$150.00} so I can spend the monies, several weeks later I received an email from NFC Union that I lost the dispute, I called their FRAUD department and I was told by their representative XXXX and XXXX that I needed an itemized bill of what I paid for, I called XXXX XXXX XXXX with XXXX from NFC Union on the phone and repeatedly asked for a itemized bill which the company refused to send to me and stated they would send to NFC Union, which they didnt, XXXX XXXXrom NFC Union , acknowledged that XXXX XXXX XXXX  sounded like scammers because an legitimate company would send a itemized bill, NFC Union refuses to request a invoice, I have asked NFC UNION To reopen the dispute to no avail, and also investigate their Customer Service representative who told me that I could spend the monies on the credit card. XXXX XXXX XXXX XXXX XXXX called me and said they wanted to give me a refund for the XXXX that they didnt add on my account, asked for my bank account number I refused to give it to them, told me dont call my bank, I called anyway and they hung up on me, I disputed a charge of {$150.00} they XXXX XXXX XXXX  stated they never called me, also told me dont turn my computer off so they can give me a refund see attached picture

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/XXXX I went to mobile deposit my work check, I do this every two weeks when I am paid. I noticed my savings account had just disappeared from my mobile banking app and I couldnt get access to it. I called Bank Of America, I asked why this would happen and they said there a note in the system and they transferred me departments. They told me that Bank Of America is closing my finances checking account and our joint savings, and that they will no longer do business with her. They did not give a warning letter to me or her, there was no message, alert, text, call, or email. They said that our funds in the savings will be processed and mailed to us within the next few business days. But because I am the co signer/owner on the joint account my personal checking account has been flagged for fraud watch and now my work check I deposit every two weeks is on a hold and I will not be able to pay my bills on time, causing me extreme hard ship. We are only XXXX and XXXX XXXX XXXX XXXX  XXXX. To give further clarification the reason they said they are closing the accounts is because last week she mobile deposited a fake check, she did not know was fake until after deposited she was scammed my a job company who is a legit company but have fraudulent people working for them in which we found out. She then called Bank Of Americas fraud department and they said dont worry we will take it off and clear it for. Now a week later they decide to close the accounts and flag mine, so now I dont have any savings moneys or my check for work today. I have {$0.00} and had over {$1000.00} as of last night. This is absolutely ridiculous and not okay. This is illegal action to not inform us of what they are doing with our accounts. As well as accusing mg Fiance of hacking and stealing Bank of Americas situation because of the fake check and that if what I was saying about being scammed is true I have to mail a claim to there office and see if they will appeal it.

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 monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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 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 non-monetary relief