vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am writing to dispute the reporting of an account with Santander Consumer. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, I am entitled to accurate and complete information on my credit report.

I settled this account by making a payment as agreed, and the account should be reflected as paid in full. However, on my XXXX  report, the debt appears twice : once as paid in full, and again showing a remaining balance.

Additionally, I never received the necessary documentation confirming the payment, despite requesting it multiple times.

I kindly request that this duplicate reporting be corrected and that the inaccurate information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$350.00} - Balance : {$350.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$290.00} - Balance : {$290.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$410.00} - Balance : {$410.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX - {$510.00} - Balance : {$510.00} Account Name : XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - {$610.00} - Balance : {$610.00} Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

Complaint narrative:
Says payment was missed but cash back credit was applied for payment and now is reflecting a missed payment of {$27.00} on my discover account. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Burke Costanza & Carberry LLP
State: NE

Complaint narrative:
The law firm/ debt collector has tried to attempt litigation which would have led to garnishment of wages for the original debt that was due totally XXXX. The debt was originally from vendor XXXX XXXX for a personal loan I've accrued in XXXX. In XXXX of XXXX, an agreement has been made to avoid litigation, which has been fulfilled until recently due to financial burdens I have face. Meanwhile, I was able to request a ledger and it shows the amount of debt already paid XXXX  the remaining amount owed, totally to XXXX. Meanwhile, I am questioning the remaining amount as if it does not coincide with the debt that is due. I urge the collector to provide documentation of the debt from the original vendor ( XXXX XXXX ), to see if arrangements could be made with them directly. Additionally, the amount they are mandating monthly is higher than the original amount that was being paid prior to the collector purchasing the debt from original vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: Reliance Motor Credit LLC
State: VA

Complaint narrative:
Multiple disputes have been filed via credit report company XXXX  and the Consumer Financial Protection Bureau ( CFPB ) against an individual auto loan account ( XXXX ) Reliance Motor Credit LLC has inaccurately placed under my credit record. Per my credit report records, the auto loan account was originally created on XX/XX/XXXX with an opening balance of {$25000.00}, loan term of 72 months and a monthly payment of {$650.00}. The account seems to be under an individual called XXXX XXXX XXXX XXXX ( could also be known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), who has no association whatsoever to myself or my family. 

On my earlier CFPB complaint against Reliance Motor Credit LLC ( XXXX ), Reliance Motor Credit LLC responded that " We have searched but found no record of this consumer in our system. His best bet is to dispute with the credit reporting bureaus ''. I dont have any accounts under my name with Reliance Motor Credit LLC XXXX potentially the individuals named above do, but it is showing in my credit report. I suggest Reliance Motor Credit LLC to search by social security number on record and the information provided. I already attempted to dispute the account with the credit reporting bureaus and have been informed that I shall dispute directly with the creditor, in this case Reliance Motor Credit LLC.

Furthermore, Reliance Motor Credit LLC had placed an earlier joint auto loan account ( XXXX ) on my credit report as well which per my credit report records it was created on XX/XX/XXXX with an opening balance of {$28000.00}, loan term of 72 months and a last status update of XX/XX/XXXX, when it was noted as Late for more than 30 days. After this Late remark, the account is noted as Closed. This joint account was not reported and therefore disclosed on my credit report until this month on XX/XX/XXXX, when a dispute was open via XXXX. This joint account seems to have been under two individuals : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( could also be known as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ), neither are associated whatsoever to myself or my family. 

I'm requesting Reliance Motor Credit LLC to remove effectively immediately both aforementioned auto loan accounts from my credit reports where the loans are currently being reported at since they fraudulently used my credit report information ( e.g. serial number ) to obtain and maintain such loans which has in turn negatively affected my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XX/XX/year> National credit system XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation Dear National Credit System, I am writing in response to your [ letter/phone call ] dated XXXX in which you claim I owe a debt of [ {$9100.00} ] to National Credit System. 

Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am requesting validation of this debt. Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including a breakdown of any fees or interest added.

3. Copies of any documents that show I agreed to assume this debt.

4. A copy of the judgment ( if applicable ).

5. Proof that your agency is licensed to collect debts in South Carolina.

Please consider this a formal request, and cease all collection activities, including reporting to credit bureaus, until this debt is validated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
This is another company given access to my personal information without my authorization and never communicated to me a letter of denial. I didn't even know this company submitted a hard inquiry until I did a full credit bureau review and identified these additional inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from WORLD ACCEPTANCE - XXXX dated XX/XX/year> was not authorized by me and should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report.

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I became XXXX  in 2021. This doesn't belong to myself i have explained to the company, and asked for validation of this debt. They have sent statements which does not indicate it belongs to me. I also disputed this with the credit report agencies. I have sent proof i was XXXX, the location all information needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
My HELOC account was locked at a fixed interest rate of 4.50 %. In preparation for selling my property, I requested a payoff statement. The statement issued by this institution was fundamentally incorrect ; it listed an 8 % interest rate and included an inflated interest charge of {$1200.00} I immediately contacted Four Leaf Credit Union on or around XX/XX/year>2025, to report the discrepancy. I was dismissed and instructed by a representative named XXXX to contact the loan servicer, FourLeaf. 

On XX/XX/year>2025, I followed those instructions and called FourLeaf. After a lengthy hold, their representative was unable to resolve the issue and promised a definitive callback within one hour. This callback was never returned. My subsequent follow-up attempts were also ignored.

Due to the time-sensitive nature of my property closing, and with no resolution from either the credit union or its servicer, I was left with no choice but to pay the incorrect, inflated amount to avoid breaching my sale contract. My final closing statement reflects this overpayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NC

Complaint narrative:
I am filing this complaint against Experian regarding inaccurate reporting and improper handling of my disputes. 

Experian mailed me a response claiming that multiple accounts were verified as accurate. However, a review of my Experian credit report dated XX/XX/year> reveals multiple inconsistencies and errors in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : 1. XXXX XXXX ( Acct ending XXXX ) Conflicting information : balance shows both {$0.00} and {$1800.00}. Remarks state charged off as bad debt but also account in dispute resolved. This is contradictory and misleading. 
2. XXXX XXXX ( Acct XXXX ) Balance reported as {$0.00}, yet Experian also reports unpaid balance {$510.00}. This is inaccurate. 
3. XXXX XXXX ( Acct XXXX ) Reported as charged off and purchased by another lender, but still showing a {$0.00} balance with no purchaser listed. Incomplete and misleading reporting. 
4. XXXX XXXX / Collection ( Acct XXXX ) Status shows Closed but still reports an active balance of {$4200.00}. A closed collection can not have an open balance. 
5. XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX ) Listed as Closed while also showing an unpaid balance of {$2000.00}. Contradictory and inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MS

Complaint narrative:
Ask for a copy of the entire contract because the burthdate doesn't match they only sent me a copy of the money that I owe. So I call them back to tell them u did not send me the info I requested this not my loan they told me that they were going to do an investigation but never got back with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I have a Chase XXXX  XXXX Credit Card. At some point, through what seems to me gross negligence, Chase changed the email address associated with my account to that of another customer and started sending emails regarding my account activity to that person. I can not stress enough that I * NEVER * entered this email address into my settings, and had never seen it before. 

I only found out because somehow this person found my phone number and on XX/XX/year> left me a voicemail describing the situation. It felt like a fraud, but I carefully logged in to my Chase account and verified there was a strange email address there. I have since changed that email address in my chase profile and my password to that account. There have been at least two serious incidents of misconduct from my point of view : * Chase changed my email address to that of another customer and sent sensitive financial information to them. If it happened to me, it probably has happened to others. 

* Chase also somehow leaked my personal phone number to another customer, who then called me. He described other efforts to get his email address unlinked from my account, but that Chase refused. Perhaps this is the point they gave him my phone number, or maybe it was attached to the documents they had been sending him without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from XXXX XXXX dated XX/XX/year> was not authorized by me and should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report.

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Request for Debt Validation Dear XXXX/ CNG, I am requesting validation of the debt you claim I owe, as allowed under the Fair Debt Collection Practices Act. Please provide proof that I am responsible for this debt, the amount owed, and the name of the original creditor. Until you provide this information, stop all collection activities, including reporting to credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I placed a call with TD Bank to dispute a charge on my account. On XX/XX/XXXX I received a letter in response to the call I made to TD Bank to dispute a charge still on my account from a device that was returned to XXXX, a XXXX XXXX XXXX XXXX ( Unlocked ). After I made the original call, I sent TD Bank the screenshots showing proof that the device had been returned. I never received a response from that email and the information from that email was not used to make a determination. The only information used to make a determination was the original charge data they sent on XX/XX/year> explaining that they received my dispute and that it is not valid because we show a charge. They included the details about the charge. They clearly had not taken my email and supporting information into consideration and I was never contacted to provide any information proving the device had been returned. Their dispute process appears to purposely not allow the consumer to provide evidence during the dispute process, or rather they appear to not tie that information to the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  processed an unauthorized charge on my credit card for XXXX I contacted to XXXX  to inquire about the charge and request a refund. I was told that this was an "annual re-occurring charge for pest prevention". I stated that we never requested, never authorized, and never signed up for the charge and requested a refund. I was told someone would contact me and never received a call back. I also tried to call again on XXXX I contacted my credit card company, Bank of America, to dispute the charge.XXXX Bank of America closed the claim because the merchant provided a form that I never signed, or received, saying that they provided a service. The form provided even states that "the customer was unavailable to sign" and that no service was performed inside my home. The signature on the form belongs to the company\'s technician.XXXX I contacted Bank of America, again, to explain that the charge was unauthorized and that the documentation provided does not show any proof that I participated in the transaction, because I did notXXXX  Bank of America, again, closed the claim providing the same form that does not show my participation in, or authorization of, the charge.XXXXI did not authorize the charge, and no service was performed in my home. This is fraud and theft.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
I pulled my credit foe a home loan and discovered the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: AR

Complaint narrative:
I pulled my credit foe a home loan and discovered the inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry from Ally Financial dated XX/XX/year>2023 was not authorized by me and should not be reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Since I did not authorize this inquiry, I am requesting that it be removed immediately from my credit report. 

Please investigate this matter and provide me with written confirmation of the results of your investigation. If the creditor can not verify that I gave permission for the inquiry, the inquiry must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Someone have used my identification to open up fraudulent account in my name LVNV FUNDING LLC XX/XX/year> {$600.00} {$670.00}

Company response to consumer: Closed with explanation