vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I did not go inside of the dealership and buy this car I called multiple time and said I didnt purchase this car and when I went to go ask for the vin and told them my identity was stolen they gave me the vin and I filled a report with them and they said contact the company that finance the car and I called and they told my to fill out a form and I did and they havent said any thing back about its been a year now and this effecting my credit lowering my score and the car was re sold at auction by another company and bank receive payment for the car I want this removed off my credit or Im filing a law suit against this company not only for discrimination and poor credit reporting and note backing sure they have a 100 percent accuracy and under The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, governs the removal of items from credit reports. This law mandates that credit reporting agencies must delete or modify inaccurate, incomplete, or unverifiable information from a consumer 's credit report after a reinvestigation of a dispute and my date of both is XXXX and they have on file XXXX which the person use on there is and used my ssn and wrong dob if all 3 credit bureau have my date birth as XXXX and they have me on faile as XXXX thats wrong from the get go and now as I explained that this is frund and I want they to remove this iteam And amount of this car is XXXX dollars they say I owe XXXX and the person put a down payment for this and never paid it back now Im stuck with this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AZ

Complaint narrative:
Please see the supporting documentation pertaining to the Equifax Data Breach.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
Foursight XXXX, Amount was payed by insurance and collected by company but failed to apply Amount and kept account open and collected late payments on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MO

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am submitting this complaint against Exeter Finance for severe violations of the Fair Credit Reporting Act ( FCRA ), Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ), and potentially contract and consumer fraud. 

I entered into an auto loan with Exeter Finance in XX/XX/XXXX for approximately {$16000.00}, with a {$1500.00} down payment and a monthly payment of {$410.00}. Over nearly XXXX years, I consistently made my monthly payments as agreed. 

Despite this, Exeter Finance failed to properly apply my payments toward my loan balance. They inaccurately applied my payments at the beginning to the interest not to the principal balance, disregarding the nearly XXXX XXXXXXXX in payments I made over XXXX years. The payment history they reported was chaotic, incorrect, and missing payments their own internal records reflected errors. 

In early XXXX, Exeter illegally repossessed my vehicle despite these payments. After repossession, they sent me a Notice of Sale but the notice wrongfully reflected a remaining balance based on the original loan amount without accounting for any of the payments I made over the prior XXXX years. 

Even worse, after the sale of the vehicle, Exeter temporarily applied the sale proceeds toward the loan, then removed them, returning the balance back to an inflated number. They are now reporting to the credit bureaus that I still owe over {$11000.00} as though I never made any payments, and as though the repossession sale never occurred. 

They continue to falsely report monthly that I am delinquent, late, and missing payments on an account for a car they repossessed and sold. This is blatantly false, deceptive, and materially inaccurate reporting in direct violation of FCRA 607 ( b ) and 611 ( a ).

I contacted Exeter Finance and requested : A full, accurate accounting of all payments made and how they were applied. 

A detailed breakdown of the repossession sale, including the sale price and how it was applied to the loan. 

Correction of the false balance of XXXX XXXXXXXX being reported to the credit bureaus.

Immediate removal of false monthly late payment reporting that continues even after the repossession and sale.

Exeter has refused to provide a legally sufficient response, continues to report grossly inaccurate, fraudulent information, and is damaging my credit by misrepresenting my payment history, balance, and account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ) by allowing unauthorized hard inquiries to appear on my credit report and by listing inaccurate addresses that do not belong to me. 

Details of the Violation : Unauthorized Hard Inquiries : Equifax is reporting the following hard inquiries on my credit report that I did not authorize and have no knowledge of XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or written consent, which is a violation of FCRA Section 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ]. According to the FCRA, a credit reporting agency may only release my credit file for a permissible purpose and with proper authorization. These companies had no permissible reason to access my credit report. 

Inaccurate Address Reporting : Equifax is also reporting the following addresses on my credit file, which are not accurate and are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are not and have never been my place of residence. Their inclusion on my credit report indicates that Equifax has failed to maintain reasonable procedures to ensure maximum possible accuracy, violating FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

Resolution Requested : I am requesting that Equifax immediately remove all unauthorized inquiries and inaccurate addresses from my credit report. I also request the CFPB to investigate this matter and hold Equifax accountable for its failure to comply with the FCRA. These inaccuracies are negatively affecting my credit score and overall financial health. 

I have already submitted a dispute directly to Equifax and received no satisfactory resolution. Therefore, I am escalating this matter through the CFPB for regulatory intervention. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
I used my Cashapp card on XX/XX/year> for a service of {$18.00}. I was charged {$8000.00}!! I have reached out to dispute at CashApp x XXXX and it was denied. I have the receipt! Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

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 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 2025-06-28 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: EQUIFAX, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a mortgage with Wells Fargo and my normal monthly payment is around {$870.00}. For the past two years, Ive consistently sent an extra $ XXXXmonth using my XXXX  XXXX XXXX ( XXXX ) online banking app, thinking it would help me pay off my loan faster by reducing the principal. 

However, I recently discovered that Wells Fargo did not apply the extra funds to principal as I intended. Instead, they split the payment between interest, escrow, and principal, following their default process. I was never notified that this would happen, nor was I made aware that I needed to include special instructions or use a different method. 

I did not communicate how the extra payment should be applied because I didnt know I had to, and the XXXX  app did not give me any option to specify. Only recently, when I began using Wells Fargos own online portal, I saw a clear Principal Only option and began using it. Now, my extra payments are being applied correctly but for two years, they were not, and I had no idea. 

I am asking the CFPB to : Require Wells Fargo to review and, if possible, reallocate past extra payments to principal, as originally intended, XXXX  why no clear communication or warning was given about how extra payments are applied, Ensure borrowers using third-party banking apps are clearly informed about how payment instructions work especially when it affects how their loan is paid off. 

I tried to pay extra in good faith. Because of a lack of transparency and guidance, my money did not go toward reducing my debt the way I intended.

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 2025-06-28 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I woke up to a plethora of unauthorized inquiries on all three of my credit reports ( Equifax, TransUnion, and Experian ). These inquiries appear to be related to someone attempting to purchase a vehicle in my name. I did not authorize any of these credit checks, and I am not in the process of buying a car. 

This is extremely urgent and distressing because I am currently in the process of securing preapproval for a mortgage, and my credit profile is being carefully monitored. These unauthorized inquiries can significantly harm my ability to qualify for a home loan, especially since my credit card payments are about to post and reflect positively on my score. 

Please investigate and remove these inquiries immediately to prevent further damage to my credit and financial future.

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 2025-06-28 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: GA

Complaint narrative:
I woke up to a plethora of unauthorized inquiries on all three of my credit reports ( Equifax, TransUnion, and Experian ). These inquiries appear to be related to someone attempting to purchase a vehicle in my name. I did not authorize any of these credit checks, and I am not in the process of buying a car. 

This is extremely urgent and distressing because I am currently in the process of securing preapproval for a mortgage, and my credit profile is being carefully monitored. These unauthorized inquiries can significantly harm my ability to qualify for a home loan, especially since my credit card payments are about to post and reflect positively on my score. 

Please investigate and remove these inquiries immediately to prevent further damage to my credit and financial future.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
Charged off XX/XX/2022. Late payments reported multiple times after C/O including as recent as this year. Lenders can not report late payments or new derogatory payment information after C/O. These are inaccurate and must be removed. If not corrected the tradeline must be deleted entirely per FCRA 623 ( a ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: EQUIFAX, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
The company sent me someone elses PHI. This information is and should be covered under the Health Insurance Portability and Accountability Act.

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 2025-06-28 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief