vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
Auto loan was created in XXXX of XXXX, with Consumer Santender USA. I reached out to the company once I became aware of the major settlement. That was reached between Santander Consumer USA and 34 state Attorneys General in XXXX, involving a {$550.00} XXXX agreement. This settlement addressed Santander 's subprime auto lending practices, specifically accusations of exposing borrowers to loans they couldn't afford and failing to properly disclose loan terms. The settlement includes restitution payments to consumers, debt forgiveness, and requirements for Santander to improve its lending practices. The representative stated that I would get something in the mail on the matter for my account. I never received anything even after explaining that my account qualifies. Now It at the end of my loan and pass my maturity date and I still have an outstanding balance. On XX/XX/XXXX to see again what my options are, told by agent. My account is daily interest account and it would repeatedly report as past due every month. The only options I have is to extend the loan date to XXXX of XXXX. When would add more to he balance of XXXX with percentage XXXX accruing daily. The car was purchased at XXXX at the normal term for the term it wouldve been XXXX. Now the balance is never ending and that is what the lawsuit is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NV

Complaint narrative:
For over 6 months, I have received repeated debt collection notices claiming I owe a large sum. The name is misspelled, indicating its not me. Ive requested a fee breakdown and original promissory note multiple times via certified mail, but received no response. Instead, threats of legal action continue. Ive included a police report for identity theft, suggesting potential fraud. Without verification, I can not pay. This harassment persists despite my efforts to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
I received a collection notice from United Revenue Corp regarding an alleged debt for XXXX XXXX XXXX XXXXXXXX in the amount of {$520.00}. I sent a timely written request for debt validation on XX/XX/year>, which they received on XX/XX/year>, as confirmed by certified mail tracking. 

Their response lacked sufficient validation. They did not provide a copy of a signed agreement, an itemized statement of services, proof of billing to me, or the chain of custody to prove legal right to collect this debt. Under the FDCPA, I am entitled to this information. They are still reporting this account, and I believe this violates my rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: OK

Complaint narrative:
I had treatment plan with XXXX XXXX XXXX in 2023 and was in the middle of treatment and they went out of business with no warning. Their website was taken down and no one to answer their phones when you called. I couldnt even log into my account. They did not finish my treatment yet wanted to keep charging me. I obviously did not keep paying for a product that they would no longer be delivering. They sent it over to TEK collections and this has now gone on my credit report. I cant even talk to anyone there about anything because they are no longer in business and are bankrupt. I need help with getting this off of my credit report and this to be settled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

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 non-monetary relief
Consumer complaint received 2025-08-06 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:
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 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 2025-08-06 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: FL

Complaint narrative:
I FOUND SOME FRAUDULENT ACCOUNTS THAT ARE HURT MY OPPORTUNITY TO HAVE GOOD CREDIT. PLEASE HELP ME REMOVE THEM.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account has hurt my ability to obtain credit. It is my understanding that you will investigate this account for me to insure accuracy. Here is the account I am asking you to verify for accuracy. 

Name of account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
These unauthorized inquiries have no connection to me and may suggest fraudulent use of my information. I request your immediate response and have included documentation.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
my information was leaked in a 2022 XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-06 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: 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 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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
CFPB Complaint Description Against SoFi and XXXX XXXX I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unauthorized withdrawals from my SoFi and XXXX XXXX checking accounts by my apartment management company, XXXXXXXX XXXX XXXX XXXXXXXX, through their XXXX XXXX XXXX The issue involves multiple unauthorized transactions, failure to return disputed funds, and inaccurate account management, causing significant financial distress and leading to an unwarranted " Notice to Pay or Quit. '' Details of the Complaint Unauthorized Withdrawals : On XX/XX/year>, I paid my XXXX rent of {$1100.00} via XXXX XXXX check ( # XXXX ), which was cashed on XX/XX/year>, as confirmed by my XXXX XXXX statement. 



On XX/XX/year>, two additional unauthorized electronic funds transfers ( EFTs ) were withdrawn without my consent : {$1100.00} from my XXXX XXXX checking account. 



{$1100.00} from my SoFi checking account.

These withdrawals were not authorized, and I was explicitly told by management ( XXXX XXXX of XXXX XXXXXXXX XXXX XXXX ) that the XXXX XXXX portal only processes rent payments on the XXXX of each month. I had not enrolled in autopay, and these transactions were unexpected. 



Bank Response to Disputes : Upon discovering the unauthorized EFTs on XX/XX/year>, I immediately disputed the transactions with both SoFi and XXXX XXXX. 



Both banks have failed to refund the unauthorized amounts ( {$1100.00} from XXXX XXXX and {$1100.00} from SoFi ) despite my prompt reporting and evidence of unauthorized withdrawals. 
XXXX XXXX credited my account for {$1100.00} but says they will be taking the funds back XX/XX/year>. 


This inaction violates my rights under the Electronic Fund Transfer Act ( Regulation E ), which requires banks to investigate and resolve unauthorized EFTs within a reasonable timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year>, I disputed an old XXXX account through XXXX XXXX ( via TransUnionXXXX ) because I believed it had already been resolved. Previously, the collection tied to this account had been removed by my credit repair specialist, and I assumed the account itself would be removed too.

Instead, after submitting the dispute, the full XXXX account reappeared and caused an extreme drop to my credit score. I was not informed that disputing the account would trigger it to be reinserted or that this would negatively impact me. This has made it harder to qualify for housing and financing. 

I am requesting the full removal or correction of this account from my credit report, as its reappearance is unfair, damaging, and is NOT based on new or accurate information.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
They are trying to collect a debt that is 15 years old for a car. NCB Management keeps calling me and sending letters. This debt is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
My cash app was hacked I have tried twice to go through cash app and have also gone through my bank. {$820.00} was taken from my attached bank. I got a {$25.00} refund through the bank and now my cashapp has a balance of {$25.00} negative. They hacked my account on XX/XX/year>. The hacker got in, added {$100.00} at a time until they couldn't add anymore then went to {$25.00} at a time. I had {$74.00} in my cash app account. After depositing everything they could, they removed my debit card, email, phone number and device from cash app. They then added a different email and debit card, deposited the money to their card and left me locked out. I had to call cash app to get back into my account. I have been denied twice by cash app and also by my bank. I have all of the text messages and emails from that day. Cash app keeps telling they look like normal transactions. There was nothing normal about them. I had my phone in my hand as these transactions occurred as I was talking to my best friend at the time. I had no idea that someone was in my account until I got text message saying my device had been removed. That's when I went looking and was horrified to find out my money was gone. I briefly got in before I was kicked out and lost all access to my account. I NEVER received an email or text to verify my identity before the money was gone! I filed a report on the fbi cyber crime website but nothing else yet. I also filed a complaint with the ftc. I can provide full emails if needed. 

Complaint # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX sold a debt to a collection company who is now attempting to collect money from a debt that is not owed by me and was placed in my name fraudulently. The company that contacted me about this debt is Radius Global Solutions LLC. This attempt to collect was after I requested that XXXX XXXX XXXX XXXX delete the fraudulent account from my credit report. In my initial complaint I also provided documentation to prove that I was a victim of identity fraud. All of my attempts to cease collection on this account and to have it resolved has been well documented. XXXX XXXX XXXXXXXX XXXX have violated my rights as a consumer to absolve this issue. I believe XXXX XXXX XXXX XXXX placed the debt with Radius Global Solutions LLC intentionally and maliciously since they can not collect any debts from me due to fraud. They have violated my rights by selling a debt or having another company attempt to collect a debt on their behalf that has been included in a FTC report. As of XX/XX/year> XXXX is still reporting this account to my consumer reports. Please see attached FTC report proving my identity was stolen and the account was acquired due to fraudulent activity.

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 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I informed my bank ( Bank of America ) of fraudulent charges ( x2 cash withdrawals of {$210.00} ) from an ATM withdrawal in foreign country. I went through several hours of calling and speaking to BofA representatives to credit me back due to being outside of US and having no funds. Bank took a week to credit charges and I went without essential supplies and was difficult to make it back to US because I did not have transportation money. Once I returned, they denied claim saying I provided/authorized the withdrawal. I have asked them to re-review fraudulent claim. I have never had a fraudulent claim since my 11 years with this bank and pay for coverage/protection.

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 2025-08-06 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 initiate these accounts, which appear to be fraudulent. Im requesting their prompt removal per the provisions of USC 1681g. Proof is attached.

Company response to consumer: Closed with non-monetary relief