vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
What happened : I am filing this complaint against Santander Consumer USA regarding its handling of my retail installment sales contract and related account. Santander engaged in the undisclosed monetization and securitization of my credit application and Social Security XXXX without providing the required disclosures or crediting the value of that transaction to my account. 

Santander converted my signed credit application and personal identifying information ( including my Social Security XXXX ) into a financial asset through securitization and monetization. This activity was performed for XXXX benefit, without disclosure to me. 

I sent multiple written requests under UCC 9-210 for a complete accounting of the account, including internal ledger entries, security interests, and any transfers of the note or related instruments. Santander failed to provide the requested documentation and instead only produced standard consumer-facing statements that do not meet the requirements of law. 

XXXX response omitted key financial records that would show the creation, transfer, and securitization of my account. Santanders failure to disclose this process and its refusal to provide a full accounting violate applicable federal consumer financial laws, including the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), the Fair Debt Collection Practices Act, and 12 CFR 1026 ( Regulation Z ).

Because of Santanders conduct, I have been denied the ability to verify the accuracy and legitimacy of the alleged debt, and I have been deprived of funds or credit to which I am entitled from the monetization of my security. 

Beginning XX/XX/XXXX, I sent multiple formal notices to Santander Consumer USA, including lawful tender of payment, demand for full accounting under UCC 9-210, and requests for disclosure regarding the securitization of my account. Santander acknowledged receipt but failed to provide the requested accounting or original contract. Instead, they sent incomplete transactional summaries that did not address the specific items requested. 

Santanders actions include : Monetizing and securitizing my credit application and Social Security XXXX without disclosure. 

Failing to credit my account for the value created from this conversion. 

Refusing to provide a complete accounting and documentation despite multiple written demands. 

All supporting documentation, including my original tender letters and Santanders responses, is already in XXXX possession. I am prepared to provide these again upon request, but I note they were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A forensic audit of the account is currently pending and will be provided to the CFPB upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is willfully reporting two hard inquiries from XXXX XXXX dated XX/XX/year>, and XX/XX/year>, that I never authorized, never applied for, and never initiated. These entries are 100 % unlawful. Under FCRA 1681b, no inquiry may be placed on a consumers credit file without a lawful permissible purpose and the consumers explicit consent. Experian has failed to provide either, proving this is an unauthorized and illegal access to my private credit information. 

I filed a formal dispute with full identification, yet Experian has knowingly ignored federal law by keeping these inquiries on file and refusing to produce a signed application, proof of permissible purpose, or furnisher certification as required under 1681i ( a ) ( 5 ) ( B ). They have not provided the legally mandated Method of Verification under 1681g ( a ) ( 2 ), even after being formally requested. This is blatant noncompliance with 1681b, 1681e ( b ), 1681i ( a ), and Metro 2 reporting standards, all of which require accuracy, documentation, and proper categorization. 

The XX/XX/year> inquiry was reported months late, and the XX/XX/year> inquiry appeared on my report weeks after it occurredboth clear violations of the FCRAs timeliness and accuracy mandates. This delay and inaccuracy not only destroy confidence in Experians reporting procedures but also directly damage my credit score and financial standing. 

Experian is fully aware that I am a verified victim of the XXXX  Data Breach and XXXX XXXX XXXX compromise. Any inquiry after these breaches must be held to heightened verification standards. Instead, they have recklessly allowed these inquiries to remain without proof, a deliberate act of willful noncompliance under 1681n and negligent noncompliance under 1681o. 

This is not an errorthis is deliberate disregard for federal law. Experian is knowingly publishing false, damaging information about me, refusing to investigate properly, and obstructing my rights under the FCRA. Their actions are a direct attack on my financial credibility and are causing real harm to my ability to obtain credit on fair terms. 

I am demanding immediate CFPB intervention to force Experian to : DELETE these unauthorized inquiries permanently. 
Provide full written confirmation of deletion. 
Disclose the complete Method of Verification used, including the furnishers identity, contact details, and verification process. 
Implement compliance corrections to prevent further violations of this nature. 
Anything less than immediate and complete correction is unacceptable.

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 2025-08-12 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-12 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: NJ

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 2025-08-12 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I cant remember now what day I made the deposit it has been so long Sunday XX/XX/XXXX, Monday XX/XX/XXXX, or Tuesday XX/XX/XXXX I called BofA a day later when I notice my deposit didnt show up : I made a cash deposit of {$2000.00}, I did not receive a receipt or email notification. Bank Of America ATM located at XXXX XXXX XXXX. XXXX XXXX California ATM ID # XXXX. There are only 2 ATMs located at this location it is not a banking location. They are BofA Atms. It has been over 42 days and they are claiming that I never made the cash deposit. I have opened up three disputes regarding the this issue and have been denied twice. They keep telling me that there was no cash in their box. I am very frustrated because I know I physically went out of my way to make this deposit for my future bills as I usually do.

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 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint because the credit reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute. 

In XX/XX/XXXX, I submitted a dispute regarding inaccurate and unverifiable accounts on my credit report. I followed up again in XX/XX/XXXX. Despite these multiple requests, the agency has not corrected or removed the disputed items, nor have they provided the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

The following accounts remain on my report without proper verification : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX I specifically requested : The procedures used to verify the accounts. 

The full name, title, and contact details of the person ( XXXX ) or entity contacted during verification. 

Copies of all documents relied upon. 

To date, no such evidence has been provided. The continued reporting of these accounts without proof of accuracy violates : 15 U.S.C. 1681i ( a ) Duty to reinvestigate.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible 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 explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
I am filing this complaint because the credit reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) in handling my dispute. 

In XX/XX/XXXX, I submitted a dispute regarding inaccurate and unverifiable accounts on my credit report. I followed up again in XX/XX/XXXX. Despite these multiple requests, the agency has not corrected or removed the disputed items, nor have they provided the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

The following accounts remain on my report without proper verification : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX I specifically requested : The procedures used to verify the accounts. 

The full name, title, and contact details of the person ( XXXX ) or entity contacted during verification. 

Copies of all documents relied upon. 

To date, no such evidence has been provided. The continued reporting of these accounts without proof of accuracy violates : 15 U.S.C. 1681i ( a ) Duty to reinvestigate.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend is offering a {$200.00} bonus when user open a new account and complete the requirement. They reviewed my account and it shows that my account is fully verified and met the requirement. However, there was no bonus or credit added in the account.

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 2025-08-12 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: DC

Complaint narrative:
I am filing a complaint because my creditor is recording late payment on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A furnishers must report accurate information under 15 USC 1681, the credit bureaus must perform a reasonable investigation within 30 days. neither of them provided sufficient evidence to support negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding their continued failure to properly investigate and correct multiple inaccuracies on my credit reports. 

On XX/XX/XXXX, I submitted a formal dispute with all three bureaus, including complete supporting documentation, to challenge the accuracy of several accounts and inquiries. Despite this, the bureaus responded by stating the disputed items were verified, yet failed to provide the legally required method of verification under XXXX XXXX. XXXX ( a ) ( XXXX ). 

The disputed accounts are : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX The disputed inquiries are : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I specifically requested the following information from each bureau : The exact procedures used to verify the accuracy of each disputed item.

The name, title, and contact information of the individual ( s ) or entities contacted during the investigation.

Copies of any documentation used to verify the disputed items.

To date, none of the bureaus have provided this required information. This is a direct violation of 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( requirement to delete unverifiable information ).

If the bureaus can not verify the accuracy of these items with proper documentation, they are legally required to delete them. Instead, they have maintained inaccurate and unverifiable information on my credit reports.

This is now the second month I have been trying to resolve this issue. As I have stated in every letter sent over the past few months, I personally submitted these disputes and attached all proper documents. Despite this, the bureaus have falsely claimed that an unauthorized third party is involved, which is entirely untrue and appears to be an attempt to avoid proper investigation.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion regarding their continued failure to properly investigate and correct multiple inaccuracies on my credit reports. 

On XX/XX/XXXX, I submitted a formal dispute with all three bureaus, including complete supporting documentation, to challenge the accuracy of several accounts and inquiries. Despite this, the bureaus responded by stating the disputed items were verified, yet failed to provide the legally required method of verification under XXXX XXXX. XXXX ( a ) ( XXXX ). 

The disputed accounts are : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX The disputed inquiries are : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I specifically requested the following information from each bureau : The exact procedures used to verify the accuracy of each disputed item.

The name, title, and contact information of the individual ( s ) or entities contacted during the investigation.

Copies of any documentation used to verify the disputed items.

To date, none of the bureaus have provided this required information. This is a direct violation of 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( requirement to delete unverifiable information ).

If the bureaus can not verify the accuracy of these items with proper documentation, they are legally required to delete them. Instead, they have maintained inaccurate and unverifiable information on my credit reports.

This is now the second month I have been trying to resolve this issue. As I have stated in every letter sent over the past few months, I personally submitted these disputes and attached all proper documents. Despite this, the bureaus have falsely claimed that an unauthorized third party is involved, which is entirely untrue and appears to be an attempt to avoid proper investigation.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: AL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation