vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and legal reporting of a collection account from XXXX XXXX XXXX in the amount of {$5700.00}. The account was reported as opened on XX/XX/XXXX, and last reported in XX/XX/XXXX, with the original creditor listed as XXXX XXXX TX. 

This is classified as a debt buyers account, meaning XXXX XXXX acquired this debt secondhand. As such, they are required to provide full validation of the debt per FDCPA Section 809 [ 15 USC 1692g ] and FCRA Section 609 ( a ) ( 1 ) ( A ), including : A copy of the original contract bearing my signature Proof of the exact balance breakdown Full chain of assignment from the original creditor Legal authority to collect on this debt So far, no such documentation has been provided. Reporting this account without first providing validation to me violates the FDCPA and misrepresents the debt under FCRA Section 602 ( a ).

Additionally, this account shows no monthly payment, {$0.00} past due, and no payment activity, making the accuracy and completeness of the reporting questionable. Discrepancies also exist in balance reporting between bureaus ( e.g., Experian shows {$5700.00} while others report {$5700.00} ). 

Debt buyers are considered furnishers under FCRA and must ensure that data reported is not only accurate but verifiable and not misleading ( FCRA Section 607 ( b ) ). In the absence of full verification and consistent reporting, I am requesting deletion of this account.

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 2025-05-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC
State: WI

Complaint narrative:
There are multiple hard inquiries and other things on my credit report that I had no knowledge of. I have bad people from what was once a very horrible time of my life and I resure to go back. These people stole things right from under me, in my own home that I welcomed them into and with that included my XXXX that I thankfully was able to get back and are still trying to mess with other things in my life to this day. They fraudentily opened numerous accounts in my name and forged my signature which I had no knowledge of and am slowly finding them as I go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I am a cosigner on an auto loan with Santander Consumer USA. I do not have possession of the vehicle and have not used it, yet I am being held financially responsible for missed payments. The primary borrower has become uncooperative and is refusing to refinance the loan, surrender the vehicle, or make consistent payment. I have contacted Santander to report the issue and requested they intervene or assist with voluntary surrender of the vehicle. However, I have been unable to resolve the issue or remove myself from liability. I am attempting to act in good faith and protect my credit, but the lender is not offering meaningful options to cosigners who are financially harmed by an uncooperative borrower. I am requesting the CFPB 's help in having Santander either allow voluntary surrender of the vehicle, accelerate possession, or remove me as a cosigner given my efforts and the borrowers refusal to fulfill their obligations. 

Company : Santander Consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Website : https : /XXXXwww.santanderconsumerusa.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They have blocked my transactions as of XXXX  XX/XX/year> I went to purchase some things at store an they decline my card they refuse to answer phone I think they are trying to kill me or linked with criminal organizations I have been witness to a drive by at XXXX and the police XXXX XXXX repeatedly refuse to take my XXXX reports and now I can not make any debit purchase with my card I am not sure if they said it fraud because my sister said she wanted XXXX XXXX  to kill me and I reporterd to XXXX police however I am a XXXX veteran I need my money I have my health issues and this is not okay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
There garnishing my wages for a debt from a valley credit service I do not owe them anything don't know of them and never heard of them I can not afford another garnishment as I won't be able to afford to live or survive and be able to live this judgement was from 2006 and I was never informed or got anything from them trying to collect a debt I have no knowledge of anything about any of it. I would like the fair credit act to be established on this and I can not accept anything else from this company I have no money I have no assets I have no property and I'm already living in poverty and have a family to provide for and feed and keep a roof over are heads I live check by check and barley  scrapping by I can't afford anything and am working my life away just to stay afloat in life I can not express myself enough to be able to survive this life fraud or something or someone is using my name and several things on my credit report are not from my doing and have been trying to get them removed from my report because there not accurate and was not done by my self please do not confuse myself with relatives of the same name or anything like that please don't make my life any harder than it already is going in going threw enough as is my bf health is not good and medical bills alone and insurance and rent and other bills have drowned me out I can't even make ends meet at all with how high all prices are and garnishing so one for a bill that's not even if there knowledge should be a crime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: VA

Complaint narrative:
I attended the XXXX XXXX of Washington between the years of XXXX and XXXX. During this time I had to take out several private loans in order to go to this school. My parents took out these loans not knowing the consequences of the high interest rates. We were bamboozled by the XXXX XXXX into thinking that we would all have a job after graduation as well as that we were getting the best education possible for our field ( I was in animation ). These loans are now in the XXXX due to the high interest rates and my inability to pay them. My federal loans from the XXXX XXXX were discharged due to the fraudulent nature of this school and I believe that this should apply to the private loans as well. 
Within the last two years my mother and I were told that we had to make payments. I initially had payments that were XXXX $ but I couldn't afford it so the company made a payment plan of XXXX XXXX My mother has been helping me pay this every month, but it is an undo hardship on her and me and the XXXX $ does nothing for how much is left. I do not feel that it is fair that we continue to pay for loans for a school that was fraudulent in it's practices and pushed us to take out as much money as possible and convince us that I would have a job after graduation. Most of my peers did not graduate. Most of us are debt up to our eyeballs and are suffering mental health consequences for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-20 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to formally request your assistance with a serious issue that occurred during an attempted deposit at an ATM.

On XXXX XXXX 2025, I went to the XXXX located at XXXX XXXX, XXXX, MA XXXX, to deposit {$200.00} into my Capital One account using the XXXX ATM inside the store. During the deposit process, the ATM malfunctioned and the cash became jammedhalf of the money was pulled into the machine, and the other half remained hanging outside. The machine did not complete the transaction or credit the deposit to my account. 

I immediately contacted Capital One the same day. They issued a temporary credit while they investigated the matter. A XXXX manager also told me I could go home and that everything would be handled. 

However, 14 days later, Capital One reversed the temporary credit and withdrew the {$200.00} from my account, stating they could not approve my claim. I requested that the claim be reopened three times, but each time it was denied without resolution. 

I then returned to the XXXX location and explained what happened. The staff there informed me that the day after the incident, an ATM technician came to the store and removed cash from the machineincluding my {$200.00}. They advised me to contact the ATM company again. 

I followed up and called the XXXX ATM support team multiple times. Despite clearly explaining the situation and insisting that the money was stuck in their machine, I was denied support. On multiple occasions, they even hung up on me during the calls. 

At this point, neither Capital One nor XXXX is willing to take responsibility or refund the money that was lost. I urgently needed that money to pay a bill. This situation has caused me stress and financial hardship, and I feel I have exhausted all options available to me. 

I kindly ask for your assistance in helping me recover the {$200.00} that was lost due to this ATM malfunction. Please let me know if any further information is needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
The last XXXX payments on loan account XXXX have been paid on time. Most recently, the payment due for XX/XX/year> was made late. Subsequently, the business assessed a {$15.00} late fee. A request was sent to the company via e-mail requesting a courtesy removal of the late fee. A reply was received that my request will be sent to the local office as I am at the mercy of the local office. Really? An in depth administrative decision needs to be made to " decide '' on a courtesy removal of a {$15.00} late fee. By way of fact, this request was never made in the past. Further, as of this writing, please ensure that the company refrains from " ALL " promotional phone calls and emails to me. This complaint has been filed with the XXXX  and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-05-20 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: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: AZ

Complaint narrative:
MOHELA mishandled or potentially compromised my personal and financial information related to my student loan. 

My records are protected under the Family Educational Rights and Privacy Act ( FERPA ), and this breach is a violation of my rights and their duty to protect my data.

I have not received a satisfactory explanation or resolution from MOHELA regarding how this information was handled. 

This situation has caused significant concern about the security of my sensitive information and the trustworthiness of my loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

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 2025-05-20 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: OH

Complaint narrative:
Hard inquiries Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-20 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief