vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Unauthorized/Inaccurate Credit XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally file a complaint regarding multiple unauthorized and/or inaccurate credit inquiries appearing on my credit reports. These inquiries are negatively impacting my credit profile and were not authorized by me. 

Details of the Issue The following inquiries were reported without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX separate inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not provide consent for these inquiries, nor did I submit applications or have any active business relationships with these companies at the time of inquiry. Under the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a credit report when a creditor or business has a permissible purpose and consumer authorization. These inquiries do not meet that standard.

Requested Resolution I respectfully request that the CFPB : 1. Investigate and require the credit reporting agencies to remove the unauthorized inquiries listed above.

2. Provide written confirmation once the inquiries have been removed.

3. Ensure that my credit reports accurately reflect only authorized and verifiable inquiries.

Supporting Documents Attached Copy of government-issued ID Proof of address ( utility bill ) Copies of credit reports highlighting the unauthorized inquiries Thank you for your prompt attention to this matter. Please contact me if additional information is needed. 

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
I was told I had a balance that needed to be paid before my water services can be turned on. I clicked the linked provided which took me to the Ability company to pay. I paid entire amount they had listed that I owed but they only sent a portion to the company not honoring the receipt I was given. I called them to ask to have them correct action, they said I has to pay them additional fees which thy subtracted from my paid balance. I advised there were no other fees listed on my account on their website, and I paid the entire amount they had listed, {$290.00}. I still have not been able to turn on water services at my home due to this. This has been since XXXX XXXX of this year. They claim they kept {$42.00} for collection fees, but none were listed at the time of payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
In XX/XX/year>, I requested the title release from Santander Consumer USA for my vehicle registered in New Jersey. Since then, I have been given multiple different explanations and solutions, but no resolution. The most recent update I received was that Santander is now requesting a duplicate copy of the title, with an estimated resolution date of XX/XX/year>. By that time, almost XXXX months will have passed. 

Because the title has not been released, my vehicle registration has expired and I can not legally drive the car. This situation is especially problematic for me as I am XXXX XXXX in the XXXX XXXX, where driving a vehicle with expired plates can create serious issues. Despite this, I am still required to make full monthly payments for a car that I can not use due to Santanders negligence. 

I requested that Santander place a temporary hold on my payments until the title issue is resolved, but they refused. In the meantime, I have been forced to rent another vehicle at my own expense. This delay is causing me significant financial harm and unnecessary stress. I am requesting immediate resolution and appropriate compensation for these damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am told my payment that was due XX/XX/2025 is now past due. I made that payment XX/XX/2025. I called Nelnet customer service on XX/XX/2025 to have the issue corrected. I was told by a customer rep named XXXX that it was a technical error and it would be fixed. XXXX informed me that there would be no written confirmation of this and no timeframe for the fix. 

I have now received another email saying my payment is past due when I made the payment on XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 explanation
Consumer complaint received 2025-08-25 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony offered a XXXX interest rate on dental work through their card. A promotional period lapsed and I was charged {$2400.00} in deferred interest. I had been paying the card through auto payments from my bank and was not advised that the promotional period was ending. I also was not able to log on to the website when the interest charges hit, getting messages that " We are having technical difficulties please try at a later date ''. As a result I did not know that the promotional period was over and continued to pay my normal payment. When I did get on the site the next month I saw the deferred charge which is around 50 % of the original cost of the dental work.

I texted 2 agents and called another at Synchrony and they said it was up to me to check the billing statement. I advised that I would have paid off the outstanding balance if I had known, and offered to pay it right then, but they all read off the same info ; " We can't adjust the deferred interest and it is your responsibility to check the statement ''. Why didn't you email me when the promotion was over? I asked. They all stated " Its your responsibility to check the statement ''. I asked " If I have auto billing, can't access the website because of your technical difficulties how would I have known to check? Also none of them would agree to document that I wanted to dispute the charges, saying I had to fax in a letter, no claim form was provided, and when I asked for a contact in legal or a higher up I was told they were the highest person I could speak to. 
This company acts in bad faith, and could easily have emailed me a notification that the promotional period was ending but did not. They snuck in the deferred interest and now refuse to discuss removing it, saying I had a 30 day grace period to contest it. But never told me it was being charged so how would I know to contest it? Again they said " It is up to you to check your billing statement ''. 
Bad customer service, bad faith in business, bait and switch tactics that is Synchrony Bank. I offered to pay balance in full if they removed the deferred interest and was told no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX UT, XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX. 
XXXX SC XXXX ( XXXX ) XXXX Dear LVNV Funding LLC, I am writing in response to a [ email, call ] I received from your agency on [ XX/XX//2025, regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting that you provide proper validation of this debt.

Please be advised that I am requesting this information for the purpose of verifying the alleged debt. I am not refusing to pay, but asking for clarification and proof of the debt. If you can not provide this information, you are required to cease collection efforts and notify any credit bureaus to whom youve reported this debt.

Additionally, until this debt is validated, you must cease all collection activities, including reporting to credit bureaus. 

Please respond in writing. I also request that you do not contact me by phone. All future communications must be in writing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
This complaint is intentional and not submitted in error. My credit report contains inaccurate entries that do not meet the FCRAs requirement of maximum possible accuracy. These errors are causing ongoing harm during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
15 USC 1681c-2 Remove XXXX XXXX 30 Day Late Account Number : XXXX immediately! I was never late nor did I give benefit. Remove anything on PDF and FTC Delete 30 day Late Payment on XX/XX/year> within XXXX days! Under 15 U.S Code 1681a ( 2 ) ( xi ) ( CARES Act ), accounts in accommodation and paid as agreed should not be reported as late. Update late mark in 3 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TN

Complaint narrative:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TN

Complaint narrative:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have a current XXXX  XXXX loan with Pennymac Loan XXXX. I lost my job in XXXX of XXXX. My unemployment ran out in XXXX of XXXX. I need help with my loan since im unable yo make payment right now. I would request XXXX  month moved to back of loan. I have completed and attached a mortgage assistance application ( attached ). 

I have just been rehired by the company that laid me off and will start XX/XX/XXXX. I have provided proof. Since being laid off I have not been late on my payments. 

I also need my property taxes review, my payment went up yet my taxes went down. Taxes were about {$9500.00} a year and are now around $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
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 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
This is now my XXXX CFPB complaint against Discover Bank and my XXXX against its outside collector XXXX XXXX XXXX, XXXX. Across these complaints, neither entity has provided lawful debt validation nor corrected inaccurate reporting. Instead, they continue to issue stall-and-deflection letters, misrepresent creditor identity ( falsely stating that XXXX XXXX, XXXX. merged with Discover Bank ), and contradict their own roles ( Discover calling XXXX outside counsel while XXXX identifies as a debt collector ). XXXX engaged in collection activity by depositing funds on XX/XX/year> before providing validation, in violation of FDCPA 1692g ( b ). 

Complaint history : Discover complaints : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX  complaint against Discover : Case # XXXX, now closed as XXXX XXXX XXXX 

XXXX  regulators : XXXX Complaint # XXXX is active with Mediation and Enforcement ; XXXX XXXX XXXX XXXX XXXX XXXX  conduct. 

Supplemental evidence includes the XXXX  closure confirming Discovers position remains unresolved. Each CFPB case so far has been marked closed despite the violations remaining unaddressed, leaving the account inaccurately reported as merely disputed instead of settled/closed. 

At this stage, the repeated stall responses and misrepresentations demonstrate a pattern of systemic noncompliance, not an isolated consumer issue. I respectfully request that this matter be escalated to CFPB supervisory review so it can be addressed as a compliance failure requiring oversight, rather than another closed with explanation.

Company response to consumer: Closed with non-monetary relief