vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
b'To Whom It May Concern,\n\nThis letter challenges the validity of the Notice of Intent to Accelerate dated XXXX XXXX XXXX The notice is defective under Texas law and inconsistent with my Motor Vehicle Retail Installment Sales Contract XXXX XXXX XXXX  executed XXXX XXXX XXXX.\n\nYour notice lists Other Fees/Expenses: $XXXX in addition to late fees of $XXXX. That $XXXX fee is not authorized anywhere in my contract:\n\nPage 2  Itemization of Amount Financed: Lists all permissible fees at origination. No category authorizes new other fees later in the life of the loan.\n\nPage 3, Section 3 (If You Pay Late or Break Other Promises): Allows only a late charge of 5% of the scheduled payment and, if applicable, a returned check fee. No additional default fees are permitted.\n\nPage 1  Returned Check Charge: Fixed at $XXXX, not $XXXX.\n\nPage 4, Section G (Collection Costs): Only applies if an outside attorney is hired, which has not occurred, and cannot be used to add pre-acceleration fees.\n\nPage 2 also requires any other charge to be identified, with who it is paid to and for what purpose. Your notice does not state what the $XXXX is, who received it, why it was charged, or what contract provision authorizes it. A fee that cannot be traced to a contract line item is void and cannot be part of the cure amount.\n\nTexas Finance Code 348.119 and related provisions require that a cure notice state the correct, itemized amount due and include only lawful, contract-authorized charges. Because the $XXXX Other Fees/Expenses is unauthorized, unexplained, and not itemized, the cure amount in your notice is incorrect. A notice with an inaccurate or unlawful cure amount is invalid and cannot support acceleration or repossession under Texas Finance Code Chapter 348 and Texas UCC 9.611.\n\nAccordingly, Santander may not lawfully accelerate the loan, demand the full balance, report acceleration, or repossess the vehicle based on the defective XXXX XXXX XXXX  notice.\n\n\nUntil a lawful, contract-compliant notice is issued, Santander is barred from taking any enforcement action based on the XXXX XXXX XXXX notice.\n\nI reserve all rights under Texas Finance Code Chapter 348, Texas Business & Commerce Code 9.6019.624, the Texas Deceptive Trade Practices Act, federal consumer protection laws, and all contractual and common-law rights. Nothing in this letter waives any rights or legal claims.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted.

15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them. 
Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. XXXX XXXX Account Number : XXXX 2. XXXX XX/XX/2025 3. XXXX XXXX XX/XX/2025 4. XXXX XXXX XX/XX/2025 5. XXXX XXXX XX/XX/2025 6. XXXX XXXX XX/XX/2025 7. XXXX XXXX XX/XX/2025 8. XXXX  XX/XX/2025

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 2025-12-01 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: TX

Complaint narrative:
I am disputing multiple accounts listed under Experian because they are inaccurate, incomplete, or can not be verified. I request a full investigation under FCRA regulations. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$320.00} Inquiries EX 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 explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
The items below reported by Experian are inaccurate or unverifiable. I am requesting a reinvestigation and removal of any information that can not be validated. 

Charged Off XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$690.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Payment 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 explanation
Consumer complaint received 2025-12-01 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year>, Citibank closed my checking account without notice on the same day I received a confirmed incoming wire of {$32000.00} from my business account. I was immediately locked out and never allowed to view my final balance or obtain a final statement. 

Based on verified transactions prior to closure, including my remaining XXXX Add Funds balance, an additional Add Funds transfer of {$1600.00}, and the incoming wire of {$32000.00}, the total balance Citibank was holding at the time of closure was approximately {$35000.00}. 

However, Citibank only returned {$28000.00} to me on XX/XX/year>, leaving approximately {$6500.00} unreturned and unaccounted for. 

I have requested the following from Citibank multiple times : A final account statement A full transaction history for XX/XX/year> through the date of the check An explanation of how they calculated the partial payment Documentation showing any deductions, adjustments, or holds The release of the remaining {$6500.00} Citibank has not provided any of this information. 

History of prior complaints : CFPB Complaint # XXXX ( filed XX/XX/year> ) : Closed after the company responded, but the issue was not resolved. 
CFPB Complaint # XXXX ( filed XX/XX/year> ) : Also closed. On XX/XX/year> I submitted feedback explaining that Citibank only returned a partial amount and still owed me the remaining balance. That complaint was closed despite the issue still being active. 

I also notified the XXXX on XX/XX/year>, the same day I received the partial check, informing them that Citibank did not return the full balance. 

Because Citibank still has not released the remaining funds and has not provided any legally required documentation about my final account balance, I am filing this new complaint. 

I am requesting that the CFPB require Citibank to : XXXX. Release the remaining {$6500.00} owed to me XXXX. Provide a complete written explanation and final account documentation Citibank has held a portion of my funds since XX/XX/year> without transparency or justification, and continues to ignore my requests for required disclosures regarding the account closure and final balance.

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 2025-12-01 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
I am filing this complaint because multiple items on my credit reports appear to be inaccurate, unverified, or reported in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation by each credit bureau and verification directly from the furnishers. If the accounts can not be verified with complete and accurate records, I am requesting correction or removal. 
XXXX Accounts I dispute the accuracy of the following charged-off or derogatory accounts. I request validation of all information reportedincluding dates, balances, payment history, and ownership. If Equifax can not obtain complete verification from the furnishers, the accounts must be removed : XXXX XXXX Acct : XXXX, Reported : XX/XX/XXXX, Balance : {$960.00} XXXX  XXXX XXXX Acct : XXXX, Reported : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX ( XXXX ) Acct : XXXX, Reported : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX ( XXXX  XXXX  ) Acct : XXXX, Reported : XX/XX/XXXX, Balance : {$380.00} Some details appear inconsistent or incorrect. I am requesting a full reinvestigation. 

Inquiries There are no inquiries XXXX currently disputing with Equifax. 

Late Payments I dispute the reported late payment information for : XXXX. of Education / XXXX  Acct : XXXX I believe the late payment reporting is inaccurate. Please verify this information with the furnisher and remove or correct the record if it can not be fully validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-01 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-01 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: FL

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX FAIR COLLECTIONS amp OUT - XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-12-01 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief