vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I financed a used XXXX XXXX through XXXX XXXX in XXXX XXXX, FL. I provided all required documents to their finance department, including my Social Security number, date of birth, and pay stubs. When I attempted to set up online access to my Santander loan, I received an error message saying no account exists under my SSN and DOB. 

I contacted Santander and was told to wait 3045 days for the loan to process. After waiting the full timeframe, I still could not access my loan. When I called and spoke to a customer service agent, Santander searched using my VIN and told me the loan for that VIN is still under the previous owner. They said XXXX XXXX failed to submit or complete the transfer of my loan data. 

I have contacted XXXX repeatedly since XX/XX/XXXX. I was promised multiple call-backs that never occurred. I escalated to the finance manager and dealership manager and spoke directly with at least two finance staff members, all of whom acknowledged the issue and gave me timelines for follow-up that they never met. Ive spent weeks trying to resolve a loan error I did not cause and have still received no resolution. 

I am now unable to access my loan, make payments, or get a payoff amount. This delay is threatening my credit and causing me ongoing XXXX I am requesting urgent intervention to resolve this issue and ensure my account is properly set up with my lender. For clarity, this issue was caused by XXXX XXXX of XXXX XXXX, not Santander. I am only submitting this complaint through Santander because XXXX is not listed as a CFPB-participating company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Almost everyday, Sequium Asset Solutions calls from XXXX. They state they are trying to collect a debt for XXXX for a person named XXXX. I am not XXXX and I do not owe any debt to any company. They are calling the wrong person. Also, it is obvious they are using a robocaller which is not allowed for a legitimate debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
Since XX/XX/year>, I have been locked out of my Coinbase account, which holds more than {$100000.00} USD in personal funds. I followed all identity verification instructions provided by Coinbase and submitted the following documentation via their official XXXX  portal : A valid U.SXXXX drivers license ( front and back ) A selfie holding my ID and a handwritten note reading For Coinbase Verification with the date A recent bank statement showing my full name and current residential address All submissions were made using XXXX XXXX  on a desktop browser, as requested Despite submitting these documents multiple timesat least three times to dateCoinbase has continued to send generic, automated responses asking me to re-submit the same items without acknowledging prior submissions or escalating the issue. I have also requested a manual review and a response from a supervisor or senior staff member, which has been ignored. 

I have now spent over eight days attempting to resolve this through the channels Coinbase provides, without success. My account remains locked, and no one from Coinbase has provided a clear explanation, confirmation of manual review, or path to resolution. 

I am filing this complaint due to Coinbases failure to provide timely access to my funds, failure to perform a proper manual review of submitted documentation, and failure to respond to repeated requests for support escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to formally contest the decision made regarding my recent dispute filed on [ insert original dispute date ] concerning a transaction with XXXX for an order that was both uncooked and damaged. 

On XX/XX/year>, I received a communication from Discover stating the dispute was not being pursued further. However, no documentation or specific reasoning was provided for this decision, which I believe reflects a lack of transparency and due diligence in the resolution process. 

To reiterate : Only XXXX item was purchased. 
The item arrived damaged and uncooked, as documented in my prior communications. 
I contacted XXXX, who sent an email stating they are unable to assist. 
I also attempted to resolve this directly with the merchant, to no avail. 
I submitted all relevant documentation ( including photos and the email from XXXX ) with my initial dispute. 
Given these efforts and the clear evidence provided, I respectfully request : A written explanation detailing why my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
ACCOUNTS AND CHARGEOFFS ARE FRAUD I NEVER HAD THEM. XXXX XXXX XXXXXXXX XXXX FRAUD XXXX XXXX XXXX XXXX FRAUD HARD INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I see in my credit report a hard inquiry that I am not recognized, that XXXX XXXX XXXXXX/XX/year>

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 2025-05-17 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: NJ

Complaint narrative:
I am filing a complaint against the reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. Despite my efforts to resolve this issue, the credit reporting agencies have not met its legal obligations to provide accurate and complete information, nor have they conducted a reasonable investigation as required under the FCRA. I had inaccurate late payments and inaccurate amounts on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I submitted a dispute to providing all necessary documentation to demonstrate that the information was inaccurate. However, the reporting agencies failed to investigate the dispute within the required 30-day period, as stipulated in Section 1681i of the FCRA, and the inaccurate information has not been corrected. Additionally, the credit reporting agencies did not provide me with a timely or meaningful response regarding the results of their investigation, as required by law. As a result, the credit reporting agencies are violating my rights under the FCRA by failing to conduct a proper investigation. I am requesting that Equifax, Experian, and Transunion immediately update the inaccurate information from my credit report to paid on time, and I ask the CFPB to investigate this matter to ensure that all three agencies complies with the FCRA and upholds my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: PA

Complaint narrative:
Hello, I just called to have somthing removed from my file. You can take a look at the report and see what it is. I'm an idetity theft victim, and the chrge isn't against me. I ned to have all of it remved so I can restore my credit report. I have reported the identity theft to the Federal Trade Commission and submitted their Identity Theft Affidavit copies. Can you please take it care of as quickly as possible?

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX have on my credit report with TransUnion and XXXX  a collection for XXXX plus dollars for a voluntary repossession. I have attempted to dispute with credit bureaus and each time it's verified as accurate. However after reaching out to XXXX XXXX, XXXX dollars were charged off. I've never received a right to dispute as well as a 1099c tax form to report the charged off amount as income on my tax return. This isn't a valid debt and should not be reporting on my credit.

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 2025-05-17 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: LA

Complaint narrative:
dispute complaint based on the credit report you provided, identifying collection accounts that may violate federal law, particularly under : 15 U.S.C. 1681e ( b ) requiring credit bureaus to maintain accurate information.

15 U.S.C. 1681i ( a ) requiring reinvestigation of disputed data.

15 U.S.C. 1692e prohibiting false or misleading representations by debt collectors.

15 U.S.C. 1692g requiring debt validation.

CFPB Complaint Title : Inaccurate and Legally Noncompliant Collection Accounts Reported by Credit Bureaus in Violation of FCRA & FDCPA Details of the Complaint : I am filing this complaint regarding several collection and charge-off accounts listed on my credit reports by TransUnion, Equifax, and Experian, which violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my most recent XXXX credit report dated XX/XX/year>2024, I identified multiple accounts flagged as Collection or Chargeoff that are : Listed as collections without proper verification no debt validation has ever been provided under 15 U.S.C. 1692g ( b ).

Reporting accounts sold to other agencies but still listed with the prior collector a violation of 15 U.S.C. 1681e ( b ) due to inaccurate duplication and outdated furnishing.

Reported as collection/chargeoff with no lawful basis some were marked as seriously past due or internal collection, but show no lawful debt ownership or validation.

Remain on my report despite repeated disputes and no conclusive response or deletion in violation of 15 U.S.C. 1681i ( a ) which requires reinvestigation and deletion if unverifiable.

Notable examples flagged in the report : Numerous tradelines across TransUnion, Equifax, and Experian are labeled : " Collection/Chargeoff, '' " Placed for collection, '' " Assigned to attorney or collection agency. '' These remarks were listed without providing verification as mandated by 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 explanation
Consumer complaint received 2025-05-17 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: CA

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 2025-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
The following debt, Capio Partners must be removed as per federal law since each of them related to the Comsumer Financial Protection Bureau, regulation V, Senate Bill 5480. 

This debt is not mine, nor do I claim this debt. This is to be removed as the law states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I am a victim of identity theft. XXXX  is reporting a line of credit account that I did not open, authorize, or use. The account was opened in XX/XX/XXXX and shows 30, 60, and 90-day late payments before being marked as paid and closed. I discovered this account in XX/XX/XXXXXXXX  while reviewing my credit reports. It only appears on some reports, which reflects inconsistent reporting and violates 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 

I submitted an FTC Identity Theft Report ( # XXXX ), which confirms this account was created fraudulently. This reporting also violates 15 USC 1681b and 1681a ( 2 ) ( A ) ( i ), as identity theft transactions must be excluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this dispute to Transunion and Experian because an account from XXXX XXXX XXXX, with the partial account number XXXX, has reappeared on my credit report after it was previously removed. 
This account had already been properly deleted, but it was recently marked as " updated '' and re-added to my credit file, which is negatively affecting my credit score. 
I am requesting an immediate investigation and the permanent removal of this account from my report, as its reappearance is incorrect and unauthorized.

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 2025-05-17 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: NY

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 2025-05-17 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: DISCOVER BANK
State: SC

Complaint narrative:
Discovery card ending XXXX. This letter serves as a formal request for an accounting and related documentation regarding the status of my account with Discover, pursuant to UCC 9-210. 
Under Uniform Commercial Code 9-210, I am entitled to request and receive a complete accounting of the obligations and transactions related to my account, including : 1. A detailed statement of the outstanding balance, credits, debits, and all payment activity ; 2. A record of any assignment, transfer, or sale of the account or underlying obligation ; 3. Copies of any documents evidencing that this account has been securitized, sold, transferred, or otherwise assigned to a third party or into a trust ; 4. Confirmation of whether the account has been charged off, written down, or otherwise discharged, in full or in part. 
If the account has been sold, securitized, or written off, then Discover has effectively been compensatedeither through sale proceeds, tax write-offs, or payments via securitization instrumentsand any further collection attempts may constitute unjust enrichment and impermissible double recovery ( double dipping ).

Attempting to collect on a debt that has been written off for tax purposes or otherwise discharged may violate federal and state consumer protection statutes, as it reflects a form of double recovery and deceptive practice.

Accordingly, I respectfully request that Discover provide the following within 15 business days of receipt of this letter : A full and itemized accounting of the account pursuant to UCC 9-210 ; Documentation evidencing whether the account has been securitized or included in a trust ; Any agreements or transfer documents showing whether Discover has retained or relinquished any legal or beneficial interest in the account ; Confirmation of whether the account has been charged off, written down, or sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX XXXX XXXX Account # XXXX Date Opened XXXX XXXX, XXXX Balance {$12000.00} XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$17000.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$12000.00} XXXX, XXXX XXXX ) XXXX BARCLAYS BANK DELAWARE Account XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3300.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance - XXXX XXXXXXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$470.00} 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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC
State: TX

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
Ive experienced a series of ID Theft issues from Equifax to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation