vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my car was taken by a repossession company. 
The company entered my private car garage, it was not on the street. I was sleeping, and they came to the door with the hooks in the car with the tail up in the air. They asked my XXXX XXXX son if it was okay to take and to wake me up from sleep. I came to the door all asleep, and I was well and dazed from it. They were taking the car, it seemed, without my permission, and also without my ability to get my things together. I was concerned about the items in my car. I now protest that Santander did not provide me with ample time to clear my debt or to find alternatives. The company did not leave a card or name that I can find to get the property. I have been calling Santander Consumer several times, but they put me on hold for long periods. I can not stay on the phone for long due to work. I want to resolve and keep my car asap. I like them to negotiate with me and respond with an adequate answer that will resolve my wanting to keep my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MD

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit report with Experian. I believe that the information regarding these accounts is inaccurate, and I respectfully request that they be corrected or removed : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Bankruptcy, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-25 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: Experian Information Solutions Inc.
State: MS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
Opened an account on XX/XX/XXXX at Renasant Bank- XXXX XXXX  location with XXXX XXXX ( name that was listed on the paperwork ) I was given a card with my account details to keep in my wallet. I used this card to setup my direct deposit to receive my paycheck. 

On Friday XX/XX/XXXX, my paycheck was to be deposited into my account. It was not in my account. I verified my info with my employer. The information was correct as listed on my card. 

I contacted the bank on Monday morning ( XX/XX/XXXX ) and spoke with XXXX XXXX for 15 minutes and she confirmed that the account number listed on my card was in fact not my account number. So, I checked my folder and noticed that the number listed on the paperwork does not match the account number listed on my card. She assured me it would be resolved within hours. 

- Tuesday morning ( XX/XX/XXXX ) the funds are still not in my account and I have spoke to several people today that keeps transfering me to the next person and they all keep saying they dont know how this could have happened and dont how to resolve it. 

So, my paycheck for {$480.00} is in someone elses account due to a bank error and they will not credit my account or offer any sort of help. 

I have {$13.00} in my account and its thanksgiving week. I needed that money and no one will help me. 

How did they give me someone elses account information. This is a data breach and makes me nervous that this could happen to me. 

- the card issued to me with the account details has my name listed on the card! How would I have known it was not my account number. 

The bank issued me the wrong account number, my paycheck was deposited into someone elses account. I have spent multiple days trying to fix the banks error, and this has created real financial disruption. I need to request reimbursement for any fees or inconvenience this error caused, along with a goodwill credit for the significant stress and time lost.

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 2025-11-25 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: NC

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 2025-11-25 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
I purchased a gift card at XXXX in XXXX, MI on XX/XX/year>. I put {$260.00} on the card. Went to the XXXX activation site and activated the card. On XX/XX/year> I attempted to use the card and {$250.00} had been charged on it in New Jersey. I did not make this purchase. After further research I learned that there is a phony activation site used by scammers to steal people 's money. XXXX did nothing in regards to a warning about this site. This happens so often with their cards that they have to know about it. 
I have sent an email to their dispute office. Only received a general response. Sent two more emails. No response. Now, when I attempt to enter the card info into the XXXX site it says " error '' as if the card never existed. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXXXXXX chargeoff account began reporting on my Experian credit report, but it does not appear on my other credit reports. The tradeline is reported with a chargeoff status and Metro 2 coding issues, and the Date of First Delinquency ( DOFD ) is missing or not properly reported. I mailed Experian a written dispute and requested the original application, chargeoff ledger, full payment history, DOFD, and the method of verification for this account. Experian did not provide the requested validation or method of verification and did not correct the missing DOFD or Metro 2 reporting errors. I am requesting that Experian either provide full validation and correct the reporting in compliance with the FCRA, or delete the XXXX XXXX chargeoff tradeline from my Experian credit report. 
Experian responded by claiming to validate the XXXX XXXXXXXX chargeoff, but they did not provide the original application, chargeoff ledger, full payment history, or a proper Date of First Delinquency ( DOFD ), and they left the Metro 2 reporting errors and chargeoff status unchanged. Their response did not address the specific documentation and corrections I requested, so this complaint is to escalate the issue.

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 2025-11-25 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Issue : Auto loan servicing ; lack of hardship options ; inability to safely operate vehicle ; lender refusing reasonable solutions. 

What happened : I am requesting assistance with my auto loan through Bridgecrest. My vehicle has developed serious mechanical problems, including a failing transmission, and it is no longer safe or reliable XXXX drive. The vehicle is effectively unusable. Despite this, I am still required to maintain full insurance coverage and continue paying the monthly loan on a car I can not safely operate. 

I contacted Bridgecrest to explain the mechanical failure and ask for hardship options or guidance on how to responsibly return the vehicle. I made it clear that this is not a case of neglect or refusal to pay. I am experiencing a genuine hardship because the vehicle can not be driven and the cost of repairs exceeds its value. 

Despite explaining the transmission failure and my financial hardship, Bridgecrest did not offer any realistic assistance. I asked about options for a voluntary surrender or a resolution based on the vehicles condition. Instead of providing supportive hardship programs, workable solutions, or any flexibility, I was told I must continue paying or proceed with repossession even though repossession would still leave me owing a large deficiency balance on a non-working car. This defeats the purpose of trying to address the issue responsibly. 

Bridgecrests only suggestion was repossession, without any willingness to discuss waiving the deficiency, settling the remaining balance, or acknowledging that the car is no longer functional. I am seeking a way to resolve this loan without being financially punished for the mechanical failure of the vehicle. 

What I want : I am asking the CFPB to help me obtain a fair and reasonable resolution. Specifically, I am requesting that Bridgecrest : Accept the vehicle back due to the mechanical failure Waive or settle the deficiency balance Allow a voluntary surrender in full satisfaction of the loan OR provide a hardship option that reasonably reflects that the car is not safely drivable and can not be used My goal is to resolve this loan responsibly and safely. I am simply asking for an option that does not leave me paying thousands of dollars on a car with a failing transmission that I can not drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following account and inquiry information reported on my credit file. The details provided below are inaccurate or incomplete, and I respectfully request a review and correction of these items. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 U.S. Code Section 1681 S-2 Responsibilities of furnishers of information to consumer reporting agencies. 
Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term " accommodation '' includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX. 
Covered period The term " Covered Period '' means the period beginning on XX/XX/year> and ending on the later of_ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak declared by the President on XX/XX/year> under the National Emergencies Act ( 50 U.S.C.1601 et seq. ) Terminates.

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 2025-11-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a dispute regarding the following accounts reported by Equifax. I believe the accounts listed below are inaccurate and require further investigation and correction : CHARGED OFF : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$780.00} LATE PAYMENT : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report that have been inaccurately reported. Please investigate these accounts and ensure that they are reported correctly according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account Name : XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : Account Name XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Late Payment Accounts : Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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