vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX and need to register my leased XXXXXXXX XXXX XXXX XXXX  ( VIN : XXXX ), serviced by Santander Consumer USA ( Account # : XXXX ). 

In XX/XX/XXXX, I contacted Santander and was told I could register my vehicle directly at the XXXX because systems are connected. Based on that, I scheduled an appointment, took time off work, and went to the XXXX to be told that Santander must physically send the title to the XXXX XXXX XXXX office. 

I submitted an official title request, which Santander received on XX/XX/XXXX. I received no updates until I followed up on XX/XX/XXXX. The representative confirmed my letter was received but no action had been taken. I was transferred to the title department, where an agent rudely claimed no such request existed. A supervisor later found it in the system and said it would be escalated, with tracking by the next day. 

The following day, there was still no tracking. I called again, spent another hour on the phone, and was told the title had still not been sent. I eventually reached the complaint department, but the agent had no knowledge of title processing policies or timeframes. 

I also learned that Santander has no stated XXXX ( service-level agreement ) or policy for how long it takes to deliver a title to the XXXX. Their agents are poorly trained and misinformed me multiple times, causing delays and confusion. If I hadn't continued to follow up, no progress would have been made. 

As of today ( XX/XX/XXXX ), I still can not register or XXXX XXXX my car. Meanwhile, I am paying my lease on time. If I paid late, I would incur a late feeyet Santander has delivered no service in return. 

I am requesting : Immediate action to send the title to the XXXX XXXX XXXX Tracking information Compensation for the delay and the failure to act after receiving my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I was SLEEPING WHEN XXXX XXXX PLACED MY PHONE ON MY THUMB TO ACCESS MY PHONE AND CASHAPP ACCOUNT TO TRANSFER HERSELF {$20.00} WITHOUT MY CONSENT WITHOUT ME EVEN AWAKE I WAS SLEEPING SHE DIDN'T HAVE MY PERMISSION AT ALL SINCE THEN I'VE FOUND OUT THAT SHE HAS A HUGE DRUG PROBLEM AND USES CASHAPP TO BUY AND SELL DRUGS SHE HAS NO JOB OR INCOME SHE IS IN JAIL AS WE SPEAK FOR POSSESSION OF FENTANYL HERION LOOK AT MISSOURI CASE NET YOU'LL SEE HER ARREST RECORD FOR SALES AND POSSESSION SHE HAS BEEN ARRESTED 5 TIMES IN ONE YEAR FOR DRUGS NOW CASH APP KNOWS THIS IVE SENT HER MUGSHOTS SHE STOLEN THE MONEY TO BUY DRUGS ALL OF HER TRANSACTION ARE DRUGS OR DRUG RELATED AFTER SHE DID THE FRAUDULENT WITHDRAWAL FROM MY ACCOUNT WHILE I WAS SLEEPING USING MY PHONE WITHOUT MY PERMISSION SHE THEN REPORTED MY CARD LOST XXXX STOLEN OR USED IN FRAUD IVE NEVER BEEN TO JAIL SHE HAS PLEASE TURN THE MONEY IM A XXXX SENIOR CITIZEN ON A FIXED INCOME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-03 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-03 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: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX  TX XXXX Subject : Request for Method of Verification Bankruptcy Listing on Credit Report Dear Experian, I am writing to formally request information regarding the verification of a bankruptcy that is currently listed on my credit report.

I recently reviewed my credit report and noticed that a bankruptcy has been reported under my file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request how this information was verified and who provided it.

Please provide the following : 1. The name and contact information of the entity that verified the bankruptcy.

2. A detailed explanation of the method you used to verify this public record.

3. Any documentation or evidence you obtained during the verification process. 

If you can not verify this information, I respectfully request that the bankruptcy entry be deleted from my credit file in accordance with the FCRA. 

Please respond to this request within the time frame mandated by federal law. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: ID Analytics, Inc.
State: DC

Complaint narrative:
I, XXXX XXXX VICTIM OF IDENTITY THEFT FROM LATEST XXXX XXXX DATA BREACH, MY PARENTS HAVE HAD A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER NEEDED ANY BANK ACCOUNT. I HAVE NEVER APPLIED FOR ANY CREDIT IN MY LIFE, NOR HAVE I CAUSED ANY INQUIRIES. MY ONLY INFORMATION HAS BEEN MY INFORMATION SINCE THE YEAR XXXX WHICH IS : I HAVE LIVED : AT XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, MY ENTIRE LIFE. I HAVE NEVER LIVED AT ANY OF THOSE NON MAILABLE ADDRESSES PERTAINING TO MY FILE, AND MY PHONE NUMBER HAS ALWAYS BEEN XXXX, I HAVE NEVER APPLIED FOR STUDENT LOANS NOR ANY LOANS, XXXX XXXX, AND HAVE NEVER HAD ANY CREDIT ACCOUNTS. AND NEVER HAD ANY EVICTIONS, JUDGEMENTS, OR PUBLIC RECORDS OR APARTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They called me about the debt, I informed them it was paid in full and I requested for it to be deleted, they inform me that it is their protocol to have it deleted/removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I received an email on XX/XX/year> stating that interest is accruing on my student loans under the mandatory XXXX  forbearance period. 

This is in contradiction of the department of education statements that interest is not accruing. 

Their detailed notice than outlines both a XXXX percent interest rate AND an interest accrual amount greater than XXXX percent. 

I've called to clarify, the system does not provide an agent option without excessive out of menu button pressing ( which I had to look up online for third party advice to repeatedly dial 0 despite the lines instructions. No agent options are available from the given menus. ) Wait time predictions have been at minimum 45 minutes and at times exceed 2+ hours and the line disconnects after 45 minutes or so. When I can get mohela agents on the phone they then transfer me to an " account specialist '' ... Where the wait line then advises a wait time of 2.5 hours or more. 

I can not get answers to my questions. Please assist.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
For literally over 2 years now my cash app account has been closed for " violating the terms of service '' for gambling. Even though I am not a huge gambler and not exactly sure I have even used cash app to " gamble '' but even in the office case I did, gambling is legal in the state I reside in, NY. I have contacted them and asked them to reinstate my account but they tell me they have already done a thorough review of the situation and they refuse to allow me to have a cash app account. Can't use that account, can't even make a new one, as soon as I open a new account under a different email, once I enter my SS number to XXXX  it immediately tells me to go XXXX my self. As much as I can't stand cash app and how terrible the service they offer, they are one of my only convienet options. please please please help me get my account back up and running.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 2025-07-03 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Im a XXXX XXXX XXXX and have been charged five consecutive XXXX XXXX monthly fees by Bank of America on my XXXX XXXX XXXX account, totaling {$80.00} from XXXX to XX/XX/year>. I received a one-time refund back in XXXX, but that was over XXXX months ago. 

When I called to dispute the recent charges, I was told nothing could be done due to that prior refund. I then asked for a supervisor, was put on hold, and was hung up on. Ive tried to resolve this multiple times through both phone support and their app. Their XXXX assistant loops me back to the dashboard and gives no actual support or human escalation. 

I am asking for these XXXX charges to be reversed. If Bank of America can not provide flexibility or professionalism on this, Ill be forced to move my business elsewhere. This is poor service and unacceptable for a business client.

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 monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

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  ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-07-03 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: OR

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 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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Somebody stole my social security number and identity and falsely used it to open a XXXX XXXX account on XX/XX/year> with stolen identity. I have never lived a the address that XXXX XXXX provided when I called them, nor has anybody lived there that I have known. I have lived in a XXXX, NY address for the past 15 years and I have a good credit history. XXXX XXXX representatives asked me to fill this out and then I can take a copy of this to the local police department to report identity theft that happened 7 years ago. Please help, thank you.

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