vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: FL

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 explanation
Consumer complaint received 2025-09-21 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: LA

Complaint narrative:
My personal information was exposed in XXXX Data breach and my identity was stolen and I do not recognize these accounts listed below : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 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  DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS ATTORNEY GENERAL OFFICE XXXX XXXX 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 2025-09-21 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: LA

Complaint narrative:
My personal information was exposed in XXXX Data breach and my identity was stolen and I do not recognize these accounts listed below : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX 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 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  DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS ATTORNEY GENERAL OFFICE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Was paying on account and company never gave me a option o want the debt deleted from my credit for false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Date of Birth : XX/XX/year> SSN : XXXX Equifax Information Services, LLC PXXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I previously disputed this account stating : " I dont remember ever being late with a payment on this account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 666 ( b ) under the billing error category : The creditor 's failure to accurately reflect a payment made by the obligor or dit issued to the obligor on a statement. 
D A computation error or similar accounting error made by the creditor on a atement. 
It is my knowledge that the creditor failed to furnish me with? 
1 days prior, which ought to render any ramifications of late pay regarding the linked accounts. I am in pursuit of concrete evidend reditor 's bank records that will support the assertion that I failed payment, resulting in an erroneous designation as late a sign of an error -- therefore. 
ment XXXX humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '',

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year> I paid for repairs to my car " upfront '' based on the understanding the work would be completed that day. After I paid for the repair I was told the work could not be done until Monday XX/XX/year>. This was not acceptable but they had already processed the charge. I paid for the work with my Discover Card. I contacted Discover to stop or block the payment and was told they could not block, cancel or even put a hold on the transaction as it was still " pending ''. They said it had to " post '' before the charge could be challenged. I told them this was ridiculous as the " horse had already left the barn ''. Discover said they would need to refer it to their " fraud '' division. I assume in the meantime the charge will be " posted '' and then I can challenge it. All I wanted to do is block/cancel the transaction. It seems Discover is putting their merchants ahead of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I had transferred XXXX dollars to XXXX XX/XX/year> but never recieved it. I went to XXXX and they said money was in the United States. Its been years trying to get my momey back.

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 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Subject : Unfair and Abusive Loan Servicing Practices Request for Hardship Accommodation I am filing this complaint against Santander Consumer USA regarding my auto loan. 

Despite repeated attempts to work with Santander to bring my account current, I have only been offered payment arrangements that are unrealistic, abusive, and do not reflect my financial hardship. 

For example : I requested a hardship program, extension, or deferment. Santander denied these requests, stating my account was not eligible, and instead demanded high lump-sum payments ( {$940.00}, {$1100.00}, {$1600.00} ) that I simply can not afford. 
I offered to make good-faith payments of {$500.00} per week or smaller installments to show willingness to pay, but Santander refused to accept such terms. 
Santander has refused to provide written assurance that repossession would not occur as long as I continue making partial payments. This leaves me at constant risk of losing my vehicle even while I am paying. 

These practices are unfair, deceptive, and abusive ( UDAAP ) because Santander knowingly sets conditions that are impossible for a borrower in financial hardship to meet, while still threatening repossession. Santander markets itself as a lender for people with limited credit history, but when hardship arises, they refuse to provide reasonable accommodation.

Furthermore, under ECOA ( Equal Credit Opportunity Act ) and FCRA ( Fair Credit Reporting Act ), creditors are required to treat consumers fairly and accurately. Forcing only high lump-sum arrangements, ignoring smaller consistent payments, and refusing hardship accommodations violates these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AUTOMOTIVE CREDIT CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX, I entered into a credit sale Retail Installment Contract with XXXX XXXX XXXX XXXX XXXXXXXX, which was later assigned to Automotive Credit Corporation ( ACC ). I was charged {$300.00} for GAP coverage allegedly administered by XXXX. However, I never received any certificate, enrollment confirmation, login, or policy information proving GAP coverage was active. When I disputed this charge, ACC only provided the dealers GAP addendum, not independent proof of coverage. In addition, the lien on my vehicle was not perfected until 33 days after contract signing ( XX/XX/XXXX ), exceeding XXXX 30-day statutory deadline ( C.R.S. 42-6-121 ). This indicates improper or late assignment. I disputed this directly with ACC, providing them 7 business days to validate. They failed to respond by the deadline. Their refusal to provide validation while continuing to report the account violates the FCRA, the FTC Holder Rule, and constitutes unfair/deceptive practices. I request : - Immediate release of lien and title OR rescission of the contract ; - Refund/removal of the unlawful GAP charge ; - Correction of all negative credit 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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citi Customer Service, I am writing to formally file a complaint regarding a serious issue I am experiencing with my Citi account. 

Recently, I called Citi to request the closure of my checking account. During this process, the representative mistakenly deactivated my online login credentials. As a result, I am now completely unable to access my Citi Mobile App or online banking. 

This has created significant difficulties for me, including : I am unable to view my Citi credit card account. 

I can not make payments toward my Citi credit card balance. 

I have no access to my statements or billing information. 

I request that Citi urgently restore my online login access so I can manage and pay my credit card on time. Please also investigate why my login was deactivated without my consent, and provide assurance that this issue will not negatively impact my credit or cause late fees. 

I expect this matter to be resolved as soon as possible. Please confirm receipt of this complaint and provide a timeline for resolution. 

Thank you for your prompt attention.

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 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX some transactions were made on my account. An unknown person took XXXX from my savings account on cashapp and then tried multiple transactions to get the money transferred to another bank called XXXX. They have unlinked my phone, email, and banking pin from my cashapp and now I cant get into my account. I need my money back it was my half of my rent money. My rent is XXXX dollars. My name is XXXX XXXX and the phone number you can locate me by is XXXX. Please please get back in touch with me soon, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Student Loan Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/202XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Student Loan ReportinXXXX XXXX  Account XXXX Dear XXXX I am writing to formally dispute the accuracy of information being reported on my credit file concerning my XXXX student loan account, number [ insert account number ]. 

XXXX is reporting duplicate accounts and conflicting repayment history information. This is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( b ), which requires furnishers of information to provide accurate and complete data. 

Additionally, XXXX has failed to provide verifiable documentation of this debt, including : A complete payment history, and Signed promissory notes establishing the validity of the account. 


Under FCRA 611 ( a ), any information that can not be verified must be deleted from my credit report. 

I request that your office immediately investigate this matter and remove or correct the inaccurate reporting of the XXXX account in question. Please provide me with written confirmation of the results of your investigation. 

Also my account was viewed by XXXX XXXX and your FERPA rights were violated. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX provided documents in response to my prior CFPB complaint. However, these documents contain errors and do not validate the debt. The application lists an address I have not lived at since 2013 and an unfamiliar IP address not tied to my devices. They failed to provide any itemized billing statements or payment history to show how the {$720.00} balance was calculated. The bill of sale provided is generic and does not identify my specific account number, name, or SSN, and therefore fails to establish a clear chain of custody. The response does not validate this debt as required under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
Company : Equifax Information Services LLC/ Experian XXXXnformation Solutions Inc./TransUnion LLC Complaint : I am disputing XXXX accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1400.00} ; Credit XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$880.00} XXXX. 

I submitted disputes through Equifax/Experian/TransUnion . Within days, Equifax/Experian/TransUnion closed the investigations claiming the debts were verified as accurate. However, Equifax/Experian/TransUnion provided no documentation or evidence of any signed contract or legal chain of assignment. 

The furnisher ( XXXX/XXXX  ) has admitted in multiple CFPB responses that they refuse to provide a purchase & sale agreement and have only supplied billing statements and account summaries not a signed contract or proof of ownership. Equifax/Experian/TransUnion is reporting these items without actual verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I placed an order ( XXXX XXXX # XXXX ) with a company called XXXX in the amount of {$210.00} using XXXX as the payment method. On XX/XX/year>, I received an email from the owner of the company, XXXX XXXX stating that the package that was sent to me was the wrong order and requesting that I instruct the XXXX Postal Service to " Return to Sender ''. 
On XX/XX/year>, XXXX XXXX sent me another message stating that she would only be issuing a store credit for the returned items. Because the items that were sent were incorrect and it was the seller who requested the return, I opened a dispute with XXXX. I submitted a copies of the correspondence from XXXX XXXX at XXXX, showing that she had sent me the wrong order and requested that the order be returned. In her response to my dispute, XXXX XXXX lied and said that she sent the correct order and I refused to sign for it. In spite of clear evidence to the contrary, XXXX ruled in favor of the merchant stating that the merchant had properly filled the order and was acting in accordance with her published policies. This is completely false. The merchant did not properly fill the order -- she admittedly sent the wrong order. And there is no policy for when the merchant requests an order be returned. 
The US Postal Service processed the " Return to Sender '', as requested by the merchant, on XX/XX/XXXX. The order has been returned to sender, yet the merchant still has neither sent the correct order or refunded my money and XXXX will not allow me to dispute this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
An account with an energy company named XXXX XXXX was recently sent to collections triggering an alert from my credit monitoring company that an account was referred to collections in the amount of {$430.00}. I never opened this account and even reached out to the company to understand how a utility account could be opened in my name with their company with my permission and/or authorization.

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 2025-09-21 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: TX

Complaint narrative:
An account with an energy company named XXXX XXXX was recently sent to collections triggering an alert from my credit monitoring company that an account was referred to collections in the amount of {$430.00}. I never opened this account and even reached out to the company to understand how a utility account could be opened in my name with their company with my permission and/or authorization.

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