vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
XXXX did not properly inform me of my Parent Plus Loan Payment due dates, which resulted in my account becoming overdue 90, 120, and 150 days on two Parent Plus Loans. The Federal Credit Reporting Act ( FCRA ) and the Higher Education Mandate specify notification procedures such as sending required physical written notices via mail at least 30 days prior to reporting a late payment to the credit bureaus and by giving multiple written warnings before a loan is marked as officially delinquent. This did not occur. Please note that the personal email address on file was an account that had been hacked and no longer in use. When addressing my child 's student loans in XXXX, I discovered these overdue Parent Plus loans. I immediately placed the loans on forbearance while determining how to address them. On XX/XX/year>, I wrote a letter to XXXX informing them I was unable to access my XXXX account as my birthdate was incorrect, which did not allow for any access to my account ( please see attached document ), On XX/XX/year>, I informed XXXX of their lack of following proper procedures, but they did not provide evidence of the proper written notification. Please note that I have an exceptional payment history with my other XXXX other XXXX student loans ( please see attached documents ) as well as an exceptional credit history overall. I have also since paid-off, in full, these XXXX Parent Plus loans ( please see attached document ). I have contacted XXXX multiple times to correct my credit reports to no avail. XXXX reporting of delinquent payments, without proper notification, has significantly damaged my credit record and has resulted in an almost 200 point drop in my credit report ratings. As a result, this has significantly, negatively impacted my ability to obtain further credit. Also, I did not receive an adequate letter indicating that the Parent Plus loans have been paid-off. A letter stating that " payment has been received '' does not adequately indicate the the loans have been paid in-full. Instead, it implies that there is more payment due ( please see attached document for another student loan paid-in-full with this missing information ). I would also like to note that it is very difficulty contacting a representative at XXXX. Their poor ratings XXXX be reflective of this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to US Department of Education data worst performing student loan servicer across all federal student loan servicers Consumer Financial Protection Bureau ( CFPB ) and the Federal Student Aid ( FSA ) Ombudsman, highlight widespread servicing failures and a historic spike in borrower complaints against XXXX. XXXX services about 20 % of federal loan accounts but accounts for 41 % of overall student loan servicer complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this CFPB complaint because inaccurate address information continues to be reported on my credit file despite my dispute. The addresses XXXX XXXX XXXX, XXXX, NJ XXXX and XXXX XXXX XXXX, XXXX, NJ XXXX are incorrectly associated with my credit report and were reported without my authorization. My one and only accurate address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The failure to remove these inaccuracies after notice violates the Fair Credit Reporting Act, including 15 USC 1681e ( b ), which requires maximum possible accuracy, and 15 USC 1681i ( a ), which requires proper reinvestigation of disputed information. I am requesting CFPB assistance to ensure these inaccurate addresses are removed immediately and that my credit file reflects only my correct address, along with written confirmation once this issue is fully resolved.

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 2025-12-26 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccurate credit reporting and the failure of credit reporting agencies and furnishers to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I previously disputed the accounts and inquiries listed below directly with the credit bureaus. Despite my dispute, these items continue to be reported inaccurately and without proper verification. As of today, the issues remain unresolved, requiring CFPB review and intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off Issue : This account is reporting a charge-off status with a XXXX balance, which is inaccurate and misleading. A charge-off with no balance owed lacks factual accuracy and proper documentation. Please provide full verification or correct/delete this account. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Status Reported : Charge Off Issue : This account is inaccurately reporting a charge-off despite showing a XXXX balance. If no balance is owed, continued reporting of a charge-off is improper. Please verify with original account records or correct/remove this tradeline. 
XXXX XXXX Inquiry Date : XX/XX/XXXX Issue : I did not authorize this credit inquiry. Please provide proof of permissible purpose under FCRA 1681b or remove this inquiry. 
XXXX XXXX  XXXX Date : XX/XX/XXXX Issue : No authorization was given for this inquiry. This inquiry must be deleted unless verifiable documentation of my consent is produced. 
XXXX Inquiry Date : XX/XX/XXXX Issue : This inquiry was not initiated by me. Please delete unless permissible purpose can be proven. 
XXXX XXXX  Inquiry Date : XX/XX/XXXX Issue : I dispute this inquiry as unauthorized. Remove immediately if no valid authorization exists. 
Despite my prior disputes, the credit bureaus and furnishers failed to correct or remove the above items and did not provide adequate verification. This demonstrates a failure to comply with their obligations under 15 U.S.C. 1681 and 1681s-2. 
I respectfully request that the CFPB require the involved parties to conduct a lawful reinvestigation and to correct or delete any information that can not be fully verified with proper documentation. 
Thank you for your attention to this matter.

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 2025-12-26 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding Openbank by Santander ( Santander XXXX XXXX ) for failure to provide account access, failure to close my account despite repeated requests, and failure to disburse my remaining funds. 

I have been attempting to resolve this issue since XXXX. Openbank has locked me out of my account because their system requires SMS text message verification, and I am unable to receive their text messages. I have informed Openbank of this issue numerous times. Despite repeated phone calls since XXXX, Openbank has failed to provide any alternative authentication method or meaningful assistance. 

Since XXXX, I have made many phone calls requesting that my account be closed. On multiple occasions, I was told the account would be closed. When I later called back to confirm, I was informed that the account closure had been canceled, and representatives stated they did not know why. 

Because Openbanks authentication system prevents me from accessing my account, I have been unable to withdraw or transfer my remaining funds since XXXX. Despite repeated requests, Openbank has failed to provide a method to send me my remaining balance. I am being sent in repeated circles with no resolution and do not have access to my own funds. I have attached the phone log containing all of the phone calls and many hours I have spent on the phone with this bank attempting to get this issue resolved. This has caused immense distress and financial strain.

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 2025-12-26 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Experian and Equifax have failed to properly block and remove fraudulent information from my credit files as required under FCRA 605B ( 15 U.S.C. 1681c-2 ).

I submitted a formal identity theft block request with supporting documentation, but both credit bureaus continue to report fraudulent addresses and accounts that do not belong to me.

1. Incorrect Addresses Still Reporting The following addresses are not mine and were fraudulently added to my credit file. These should have been permanently removed under FCRA XXXX : XXXX Tano Ct # XXXX, XXXX XXXX, TX XXXX XXXX Old XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX CMR XXXX Box XXXX, APO New York, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Box XXXX, APO XXXX XXXX, CA XXXX These addresses have no connection to me and should have been blocked immediately as part of the identity theft process. 

2. Fraudulent Accounts That Must Be Blocked The following accounts were opened without my knowledge or authorization and continue to report despite my XXXX identity theft request : XXXXXXXX XXXX XXXX XXXX XXXX {$8800.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXX * * XXXX XXXX {$0.00} ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  Capital XXXX {$0.00} ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital XXXX {$980.00} ( XX/XX/XXXX ) * * XXXX * * XXXX XXXX {$0.00} ( XX/XX/XXXX XXXX XXXX XXXX These accounts are fraudulent, and the bureaus have failed to block them as required within f

our business days under FCRA 605B. 3. Failure to Comply With FCRA 605B U
nder the law, the bureaus must : Block fraudulent information within 4 business days Remove all personal identifiers connected to identity theft Notify furnishers to stop reporting the fraudulent data Prevent reinsertion unless strict FCRA procedures are met Experian and Equifax did not follow these requirements. 
The fraudulent accounts and addresses remain on my credit file, which has caused damage to my credit, stress, and difficulty obtaining credit.

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 2025-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I took part in a promotion for a recurring buy with XXXX  and completed the promotion yet did not receive the bonus. Support will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: GMS Holdings, Inc.
State: WI

Complaint narrative:
Ask for XXXX Options : Inquire about specific programs like : 1. Extended Repayment Plan : Spreads payments out over a longer period, lowering monthly costs. 

Ive had about a 30 % drop in income in the last XXXX months, my intention wasnt to not pay, however I did speak with the CFPB and advised me I should request this course at this time, I spoke to XXXX at the XXXX XXXX XXXX today and advised her of my financial XXXX, she advised they dont accept kind of alterations or hardship, she also advised me that they would to attempt to garnish my wages, I advised her if a customer is attempting to make out a repayment plan and you dont accept or even speak about that option, when I go to court I would have my check stubs to show the decrease and all the attempts made by me to pay a debt : Given that you are in XXXX, WI, you have strong protections against wage garnishment for payday loans. 
Consult a XXXX XXXX : It is highly recommended that you contact a legal aid organization or a private attorney in Wisconsin to understand your specific rights and options. They can provide advice tailored to your situation and help you respond to any legal action.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/2025 I made a payment in the amount of {$2700.00} that would cover my car payments for XXXX  months. PNC DID NOT TELL ME THAT I COULD NOT PAY FOR XXXX  MONTHS. I've been calling and talking to different people trying to resolve the matter. XXXX, XXXX, XXXX, XXXX was paid. XXXX I talked to someone to resolve the XXXX and XXXX months that's when they said they would send me a check for the other XXXX months. I had to make a payment for XXXX so I wouldn't be late, now the XXXX months they owe me will be for XXXX and XXXX XXXX DID NOT WANT MY PAYMENTS TO GO TOWARDS THE PRINCIPAL AT ALL. I WANTED TO PAY FOR XXXX MONTHS. IT'S A SHAME I HAVE TO GO THROUGH THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX and XXXX  I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank has not gave me access to my unlimited bank account. They had my account on confidential file I couldn't find it. It won't come up I'm at court with this bank account I'm not getting anything from it. Courts name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im asking for help they act like they can't give me a simple print out of the account there standing me up keep telling me there gon na give me access to my account and never do. Branch address XXXX XXXX XXXX XXXX XXXX XXXX zip code 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

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