vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed a collection account reported by Portfolio Recovery Associates that originated from XXXX XXXX. The debt was removed temporarily, but on XX/XX/year>, Portfolio Recovery re-reported the account with a {$1.00} change to the balance. This appears to be a deliberate attempt to bypass the previous dispute and re-age the account, which is misleading and potentially illegal under FCRA 623 and FDCPA 809. 

I have requested full validation, including proof of ownership, the original signed agreement, and documentation showing legal authority to collect. None of this was provided. Re-reporting a disputed and unvalidated debt in altered form constitutes continued inaccurate reporting. 

I am requesting that this account be permanently deleted from all credit reporting agencies and that Portfolio Recovery cease all further collection and reporting activity regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and seek a fair resolution regarding the closure of my account with XXXX XXXX , XXXX, which is currently being reported to the credit bureaus. This closure has negatively affected my credit score and profile, despite there being no indication of default, missed payments, or contractual breach on my part. 

To date, I have not received any valid documentation explaining or justifying the closure of this account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to accurate, verifiable, and complete information concerning my credit file. Additionally, under the Doctrine of EstoppeXXXX by Silence, as recognized in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, a failure to respond where there is a legal duty to do so constitutes an admission. Therefore, I must presume that no valid reason or verifiable record supports the closure 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 2025-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: EdFinancial Services
State: IL

Complaint narrative:
I am writing to formally dispute my federal student loans and request the removal of a late payment due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate removal of the late payment from my student loan account, as my rights have been severely violated. 

Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) : My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of XXXX  : My personal and financial information was improperly accessed and shared without my authorization, violating my privacy rights under federal law. 
Violation of the Higher Education Act : As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 
Unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: CA

Complaint narrative:
On XX/XX/year>, I entered into a signed vehicle purchase agreement with Volkswagen in XXXX XXXX. I traded in my previous vehicle, and the dealership agreed in writing to pay off the remaining loan balance. They delivered the new vehicle to me the same day, and I registered and insured it in good faith. 

Despite this, the dealership failed to pay off the trade-in loan within the legally mandated 21-day period. As a result, my loan is now reporting as late on my credit, damaging both my credit and that of my co-borrowerwho had no ability to continue making payments after the vehicle was surrendered. 

Over a month later, the dealership claimed that financing had fallen through and demanded I return to sign a new contract with worse terms. When I refused, I received a voicemail threatening that they would report the vehicle as stolen if I did not come physically hand over the keys at the dealershipeven though they had not returned my trade-in vehicle or fulfilled their obligation to pay it off. This was deeply distressing and felt like an attempt to intimidate and coerce me into surrendering the vehicle without legal process. 

The dealership violated Californias 10-day cancellation window, failed to pay off the trade-in loan as required, caused credit harm, and is now engaging in threats and pressure tactics that I believe may be illegal. 

I am requesting an immediate investigation into : Their failure to pay off the trade-in within the required timeframe The resulting damage to my credit and that of my co-borrower Their unlawful and coercive threat to report the car as stolen Their attempt to force me into a new contract after the deadline I acted in good faith and simply want the contract honored as originally agreed, my credit restored, and this dealership held accountable for what theyve done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint regarding unlawful credit reporting, undisclosed securitization, and continued attempts to collect on an account that has already been monetized, transferred, or discharged. 

After applying for and receiving a credit card from Bank of America, I later found ; based on SEC filings, trust prospectuses, and investor disclosures that the receivables generated from my account were securitized, pooled into asset-backed securities, and transferred to a trust. These actions appear to constitute a full or partial satisfaction of the debt under applicable law. 

Despite this, the creditor continue to report the account as a charge-off with derogatory remarks, claiming a loss while also demanding further repayment. I have not received a Form 1099-C, which is required under IRS regulations if the creditor claims a loss of {$600.00} or more. The contradictory handling, claiming a charge-off while simultaneously continuing collection efforts is deceptive and violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under the Dodd-Frank Act. 

In addition, the institution continues to run soft inquiries on my credit report without authorization, even after the account was closed, falsely stating that it was done at my request. These soft pulls are unwarranted, damaging, and further compound the harm caused. 

I am demanding that all derogatory credit remarks be removed and the account ( s ) be updated to reflect Paid in Full or Settled status, consistent with the institutions own handling of the asset and in accordance with applicable credit reporting standards. I am also requesting full disclosure of all transfers, securitization activity, charge-off filings, and any tax reporting associated with the account, including any Form 1099-C or equivalent.

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 2025-04-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the status and reporting of an account listed as XXXX XXXX on my credit report, which is associated with XXXX XXXX XXXX XXXX . The closure or reporting of this account has negatively affected my credit profile, and to date, I have not received any documentation justifying the action taken. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to accurate and verifiable information regarding any data furnished to consumer reporting agencies. Furthermore, in accordance with the Doctrine of Estoppel by Silence, as cited in Engelhardt v. Gravens ( Mo. 1926 ), 281 S.W. 715, 719, your failure to respond to a proper request for information where there exists a legal duty to do so may be deemed an admission. Therefore, I must presume that no substantiated basis exists for the current reporting or status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN UNABLE TO GET MY CREDIT REPORT AND SCORE FOR OVER A YEAR FROM EQUIFAX AND EACH TIME I CALL THE CREDIT BUREAU, THEY NEVER GIVE AN EXPLANATION AS TO WHY I CAN NOT GET MY REPORT. PLEASE UPDATE MY CREDIT REPORT.

UNDER 15 USC 1681 b E. YOU MUST PROVIDE MAXIMUM POSSIBLE ACCURACY. AND IM TAKING INTO CONSIDERATION THAT THE CFPB IS SUING YOU AS WELL. IM ALSO REQUESTING FULL DISCLOSURE OF THE XXXX  OF MY PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I have been paying on my auto loan with Santander Consumer USA since XX/XX/year>. The original loan amount was between {$20000.00} {$21000.00}, and my monthly payments have consistently been {$600.00}. Despite making payments for over XXXX years, my current balance is still over {$12000.00} but under {$13000.00}. 

I believe this loan was structured with predatory and unfair terms. The interest rate and overall cost of the loan were not clearly explained to me at the time of signing, and I was not fully informed of how the balance would accrue or how long it would take to pay off the loan. After paying more than the value of the vehicle over the years, I still have no equity and am trapped in a loan that seems impossible to escape. 

I have reached out to Santander multiple times to discuss refinancing options or restructuring, but I have received little to no meaningful support. The situation has placed a financial strain on me, and I now believe this loan may be part of the same pattern of harmful practices for which Santander has already been investigated by the CFPB in the past. 

I am requesting a full review of my loan terms and history for potential violations of fair lending laws, and I am asking for appropriate corrective actions or restitution. XXXX XXXX is involved as well. I had no clue another LLC was involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Basically I already reported reports to the federal trade commission and have attached my ftc report of identity theft they arrested the guy who used my information and for other peoples as well I have contacted you guys multiple times and you guys dont wan na help me out if these arent my accounts why are you guys still harassing me about the debt ASK CREDITORS FOR INFORMATION ABOUT MY FEderal trade commission report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
They violated my right as consumer under 15 usc 1681b and i need this account blocked and deleted off my credit report as soon as possibble XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account number for the loan : 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 2025-04-20 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
b'The following inquires from experian are fradulent: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThe following inquires from Equifax are fradulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nhello the following inquiries are fraud from transUnions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-20 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: MA

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 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2025-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AMFENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-04-20 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 ACCOUNT # CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AMFENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX, TD Bank put a hold on my account due to a fraud investigation. My account was eventually closed I had a remaining balance of XXXX in this account. Know XXXX is telling me where those funds are, Had they been mailed and mailed to what address? its been over a period of 30 days now and I have no answers as where my funds are?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation