vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: OK

Complaint narrative:
student loan servicer misconduct, including errors in loan balances, misapplied payments, and wrongful denials of repayment plans.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding Santander Consumer USA and their handling of a repossessed auto loan account reported on my credit file. The actions taken by Santander appear to involve unfair collection practices, inaccurate credit reporting, and a lack of transparency, which are in violation of the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

Here are the facts : 1. I originally owed a balance of approximately {$4500.00} on my auto loan.

2. Santander repossessed the vehicle, then later demanded the full loan amount of {$53000.00}, which was not the remaining balance.

3. The vehicle was subsequently sold at auction, yet Santander continued to pursue a deficiency balance of {$15000.00}, which they now report as a charge-off on all three major credit bureaus.

4. I received written communication from Santander via email, stating that they would accept the {$4500.00} balance, but the account would be reported as partially paid, rather than offer a pay for delete or mark the account as paid in full.

5. The account is now reported as derogatory/charged off, with different reporting dates and high balance inconsistencies across XXXX, XXXX, and XXXX.

For example, XXXX  and XXXX  show a high balance of {$50000.00} while XXXX  shows only {$15000.00}.

6. I believe this reporting is inaccurate, misleading, and punitive, especially considering the auction sale and the original balance.

I am requesting the CFPBs assistance in : Investigating Santanders reporting practices for this account ; Requiring Santander to provide full documentation of the repossession, auction proceeds, and justification for the alleged {$15000.00} balance ; Requesting the deletion or correction of this account from my credit file based on inaccurate, incomplete, and inconsistent reporting ; Holding Santander accountable for not honoring a reasonable settlement in exchange for accurate reporting or deletion.

Attached to this complaint are supporting screenshots and documentation showing the inconsistencies and details of the situation.

Thank you for your assistance in this matter. Please feel free to contact me at the number or email listed above for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 am writing to formally file a complaint and request your assistance regarding a deeply disappointing and ongoing issue I am facing with the credit reporting agencies. Despite my efforts, my credit file contains inaccurate personal information and several unauthorized credit inquiries that I did not approve, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

1. Incorrect Personal Information My credit file currently reflects outdated and incorrect personal details. I have attempted to update this information with the credit bureaus, but my efforts have not been acknowledged or resolved. 

Please update my records to reflect the following : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN : XXXX I am requesting the removal of all inaccurate, outdated, or unverified addresses, names, or other identifying data that do not pertain to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. Unauthorized Credit Inquiries Furthermore, my credit report lists multiple inquiries that I did not authorize. Under FCRA 604, a consumer reporting agency may only provide a credit report with a permissible purpose. The following inquiries do not meet that standard and were not initiated by me : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I demand a full reinvestigation and written verification of the permissible purpose for each inquiry listed. If the agencies are unable to provide legal justification, I respectfully request the immediate removal of these entries.

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 2025-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I refinanced my vehicle loan and was due a refund of {$1000.00} from XXXX XXXX. The original check ( No. XXXX ) was issued on XX/XX/year> and sent to my new lien XXXX, XXXX ( XXXX XXXX XXXX  ), even though their policy states that overpayment refunds must go directly to the borrower. 
On XX/XX/XXXX, I contacted XXXX and was told they never received the check. 
On XX/XX/XXXX, after speaking with XXXX representative, I forwarded an email from XXXX confirming the check was not received and should be reissued to me. She confirmed on the call that the check would be voided, and the refund would be reissued to my address, which she also verified on the call. 
On XX/XX/XXXX, I followed up. XXXX confirmed the check had been voided, but the reissuance was never processed. I was told to wait and check back in a few days. 
I attempted to follow up via multiple phone calls ( XX/XX/XXXX, XX/XX/XXXX, and more ), but was either hung up on or transferred to unrelated departments. No resolution. 
On XX/XX/XXXX, I was finally connected to Kias Complex and Escalations teams, who told me XXXX now requires a company letterhead from Upstart to proceed with the reissue. 
I reached out to XXXX. They sent a formal email directly to XXXX, confirming the refund should be reissued to me and that XXXX failed to follow the correct payoff refund procedure. I was copied on this message. 
On XX/XX/XXXX, I contacted XXXX again. Now they say a fax from XXXX is required, ignoring the clear written email they already received. 

XXXX states that any refund over {$500.00} is automatically sent to the lien holder. However, Upstarts official policy says all overpayments must go to the borrower. Based on XXXXXXXX XXXX statement above, it seems like XXXX sent the check to the wrong party, failed to follow proper procedure, and is now creating unnecessary, inconsistent documentation barriers to delay issuing the refund to the rightful owner me. 

XXXX even confirmed the check was voided after calling XXXX XXXX XXXX  to confirm it wasnt received yet refuses to reach out to Upstart about reissuance and instead places that burden on me. I am now caught in an endless loop of unprofessional customer service, policy contradictions, and delayed refunds for money that does not belong to XXXX. 

I have email proof, call recordings, and a service request number from XXXX confirming the voiding of the check. Despite all this, XXXX continues to delay the refund and stall the process of the reissuance althogh all of this is becausw of their incompetence.

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 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX  XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$4700.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking NumberXXXX

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 2025-04-22 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}

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 2025-04-22 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: GA

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXX Balance {$790.00} XXXX XXXXXXXX XXXX Balance {$580.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-22 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:
I am submitting a formal complaint against TRANSUNION regarding inaccurate information reported on my credit file. The details in question have not been properly verified, substantiated, or documented as accurate and compliant. 

I have identified disputed entries on my credit report, and as a consumer, I am entitled to request the timely correction and update of this accounts status under my federal and state consumer protection rights. This complaint is being filed to ensure the reported information complies with the procedures outlined in FACTA Title 1, Section 151.

Here 's the list of the accounts that I am referring to : XXXX XXXXXXXX * * * Balance Owed : {$300.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX * * * * * * * * * Balance Owed : {$690.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1000.00} Date Reported : XX/XX/XXXX XXXX  XXXX * * * * * * * * * * Balance Owed : {$860.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$910.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX * * * * * * * * * * * Balance Owed : {$25000.00} Date Opened : 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 2025-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 168 ( section 602 states I have the right to privacy. ( 604 ( a ) section 2 ) It also reports a consumer reporting agency can not furnish an account without my written instructions. Under USCS 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
To : Pentagon Federal Credit Union Address : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL nearby XXXX XXXX ] U.S.A non-domestic XX/XX/XXXX Notice To Agent Is Notice To Principal Notice To Principal Is Notice To Agent Re : FINAL ENFORCEMENT NOTICE AND DEMAND TO CURE APPLICATION # XXXX / # XXXX This FINAL NOTICE is issued to Pentagon Federal Credit Union on behalf of the AMARE BEY FAMILY TRUST. You are hereby noticed that a perfected lien, public legal notice, and commercial security agreement were executed by the undersigned and remain in full force and effect. Pentagon Federal Credit Union dishonored the credit applications accepted in XX/XX/XXXX under Application Numbers XXXX ( {$65000.00} ) and XXXX ( {$500.00} ). 
You failed to provide IRS disclosure, Treasury routing confirmation, or XXXX authorization. This dishonor violates 26 U.S.C. 7201, 15 U.S.C. 1691, and UCC 3- 419. The XXXX XXXX XXXX XXXX has Power of Attorney over both XXXX XXXX XXXX and XXXX XXXX XXXX as notarized in the public record. A Security Agreement was executed and publicized via the XXXX XXXX XXXX XX/XX/XXXX, under 715 ILCS 5/0.01 et seq.

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 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline They responded back saying account verified But it's incorrect

Company response to consumer: Closed with non-monetary relief