vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
My vehicle was repossessed without any notice, despite partial payments being accepted and Santander showing an inaccurate and incomplete account history. My loan is for a XXXX XXXX ( XX/XX/XXXX ending XXXX ), and the vehicle was taken on XX/XX/XXXX at approximately XXXXXX/XX/XXXX from a private driveway located at XXXX XXXX XXXX XXXX in XXXXXX/XX/XXXX This address is NOT my residence. The property owner has video evidence of the repossession. 

I did not receive any Notice of Default, Right to Cure, or Intent to Repossess at any time before the repo. Santander also previously stated my account was placed in a specialty department due to a cease-and-desist and revocation of POA that I submitted. They claimed they could not contact me, yet still repossessed my vehicle without sending a cure notice. 

There are significant accounting issues : ( 1 ) The online portal only shows payments beginning XX/XX/XXXX, despite payments being made since midXXXX. ( 2 ) My principal balance has not changed at any point, even though payments were applied. ( 3 ) Partial payments were accepted, including on XX/XX/XXXX, with no notice that repossession was imminent. ( XXXX ) The portal ledger is incomplete and raises concerns about accurate crediting of payments. 

This is the second repossession involving this same vehicle. The first repossession occurred during Hurricane Milton, when a repo agent crossed into my neighbor 's yard while I was visiting. I cured the default and recovered the car, yet Santander is still reporting that first repossession on my credit. 

I have formally disputed the repossession and demanded documents via fax and email. Santander has not provided the repo company name, the vehicle location, the redemption amount, or any proof of notices being mailed. 

* * I am requesting that Santander be required to : Provide all notices of default, right to cure, and intent to repossess Provide a complete payment history from loan origination through present Provide the XXXX company name, vehicle location, and financial breakdown Remove any inaccurate credit reporting Halt sale or auction of the vehicle during this dispute Explain why the principal balance never changed despite payments Explain why my loan history only shows from XXXX XXXX forward Explain the specialty department handling of my account * * Santanders actions have caused immediate financial harm, transportation loss, and possible violation ofXX/XX/XXXX repossession and notice laws, as well as unfair and deceptive servicing practices. I am requesting immediate CFPB assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
On XX/XX/year>, I fully paid off my auto loan with Santander Consumer USA. The funds were successfully withdrawn from my bank account, and the payoff was completed. Despite this, Santander has not released my vehicle title, which they are legally required to release within a reasonable timeframe. over a month, and every time I contact Santander, their representatives disconnect the call, often intentionally and without resolution. 
Furthermore and this is extremely concerning Santander continues to tell me that I still owe {$130.00} per month, as if my loan was never paid off. They claim the payoff is not showing in their system, even though the full amount was withdrawn from my bank account. This appears to be : Improper billing after payoff Attempted collection on a loan that has already been paid in full A serious servicing error that could harm my credit and finances This situation constitutes : Wrongful retention of a vehicle title Failure to release a lien/title in a timely manner Improper monthly billing after payoff Attempted collection activity on a closed loan Repeated call disconnections preventing resolution Severe customer service failure and financial harm I am requesting immediate CFPB intervention to require Santander Consumer USA to : Release and mail my paper title immediately to the correct address. 

Correct my loan status and reflect the loan as fully paid. 

Stop all improper monthly billing attempts. 

Provide written confirmation of lien release and title reissue.

Investigate the repeated disconnections and refusal to assist.

This issue has been ongoing for more than a month, and I am unable to obtain my legal title due to Santanders handling of my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : 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 non-monetary relief
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) in regard to the accounts listed below. These accounts are inaccurate, incomplete, and misreported in my credit report by the respective credit bureaus. The following are the details of the accounts in dispute, categorized by bureau : Charged Off Accounts :XX/XX/XXXX}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I logged into my Robinhood account to transfer some of my crypto to my XXXX  wallet. I have already made several transfer before. The restriction happened XX/XX/year>. I was trying to make a transfer after the XXXX hour waiting period. I made a transfer to my digital wallet on XX/XX/year> around XXXX center time. The transfer I was trying to make on XX/XX/year> was around XXXX with a phone call from Robinhood about XXXX center time. 
When I had a chat with Robinhood no answers were giving just that I have restrictions and the account is under review. I didnt violate any agreement with Robinhood .

Im trying to remove all my crypto from Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
I am filing this complaint because Experian is reporting incorrect or unverifiable information. Below are the details for the accounts I am disputing. 

1. Charged Off Disputed There are no charged-off accounts listed for Experian in this dispute.

2. Inquiries Disputed The following inquiries were made without my consent and should be removed XX/XX/XXXX, Date Open : XX/XX/year> XXXX XXXX XXXX XXXX, Date Open : XX/XX/year> XXXX XXXX XXXX XXXX, Date Open : XX/XX/year> These inquiries were made without my authorization and should be removed from my credit report. 

3. Positive Accounts There are no issues with positive accounts at this time.

4. Late Payment Disputed There are no disputed late payments for Experian.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid con
tract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-11-18 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts reported inaccurately in my credit report. The information provided may contain errors and does not reflect accurate reporting. Please review and update the accounts accordingly. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Inquiries : XXXX  Date Reported : XX/XX/XXXX Late Payments : XXXX 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my XXXX well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts listed on my Equifax credit report. Below are the accounts I am disputing, along with their details : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$91000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed this collection previously advising the collection doesn't belong to me as I have never had a XXXX  bill in my name of any kind while living in Texas as may home has been XXXX  based with no XXXX  utility needed. I have asked this be removed from my report as it is hindering my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am disputing a collection reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX. In CFPB XXXX # XXXX, the furnisher admitted they do not have the required documentation to validate this debt and stated they needed to reach out to the original creditor to request it. This is an admission that the debt can not currently be verified. 

Under FCRA 611 ( a ) ( 1 ), a credit bureau must delete an account when the furnisher can not validate it. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be removed.

TransUnion is continuing to report this collection even though the furnisher has confirmed they do not possess validation. This violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 3 ), which prohibit reporting information that is inaccurate, incomplete, or unverifiable. 

I am requesting immediate deletion of this collection from my TransUnion credit file due to the furnishers inability to validate the debt.

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 2025-11-18 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-18 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: FL

Complaint narrative:
I am writing to dispute the following items on my credit report as they contain inaccuracies that need to be addressed. Below, I have provided the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries No inquiries listed for TransUnion. 

Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Filed improper missed or late payment. Payment was processed pending through payments.

Company response to consumer: Closed with explanation