vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am a XXXX senior who needed a vehicle very badly ti get around to doctors ' appointments, etc. In XXXX, I visited XXXX XXXX to purchase a car. I got approved and felt the payment was high, but I agreed to the price because I was desperate with no help. not once did the loan manger say to me I will be paying a XXXX per day perdim with this loan. 2 years later XXXX I tried to get car replace with a vehicle with lesser paymer, no one would do this because of ank allowed me to take the XXXX per day perdim which made the payoff much higher. That is when I found out about this fee for the XXXX time. I was furious. I purchased in XXXX for XXXX dollars, and here we are, 3 years later, and I still owe XXXX. My car balance has not gone down at all. high interest, plus late fees of XXXX plus XXXX per day perdim I can not afford to pay this note anymore. i need that XXXX per day fee back XXXX can barely pay my bills and buy food. This has to be illegal. Why is this company, Santander USA Bank allowed to take advantage of people or seniors? I want out of this contract immediately. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
My Affirm account was recently closed without proper explanation. They stated it was due to a security or identity verification issue, but I am the rightful account holder and have been the only person using the account. Ive made my payments on time and there has been no suspicious or fraudulent activity. 

Despite the account being closed, I paid off my loan in full yet I was never given a clear reason for the closure or an opportunity to resolve the issue. I reached out to Affirm multiple times to clarify the situation and offered to verify my identity with official documents, but they refused to review or reinstate the account. They also stated the decision is final and irreversible, with no further explanation. 

Affirms support channels are limited and unhelpful. Their public support email is unmonitored, and their Help Center offers no real way to submit documents or communicate with a representative. It feels like an automated system made this decision without fair review. 

Im requesting a manual review of my case and a proper explanation of what triggered the account closure, especially given that I was a responsible user and paid my loan in full and on time. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have had an XXXX  account for 3 years and since I filed a complaint against them 2 years ago they have retaliated against me as I suspected they would and even forecasted they would in my initial complaint. Since that complaint XXXX has lowered me credit limit 3 times even though my credit score was higher each time than when I initially was approved for their card. Further, XXXX holds back the monthly report they typically send every month if my balance drops lower from the previous month. On XX/XX/XXXX my balance dropped from being over the XXXX credit limit to below the credit limit which would have raised my Fico score. However, XXXX choose to deliberately cause me harm by refusing to report the XXXX status to Experian, XXXX XXXX XXXX as a result I was denied credit for the primary reason of one account, that being XXXX  being over the credit limit. even though my FICO score was about XXXX. Which would have been much higher it XXXX reported. I know have a cause of action to file a lawsuit which I will do and request a jury trial. As of XX/XX/XXXX XXXXXXXX XXXXXXXX still has not reported the status from XX/XX/XXXX to any of the credit bureaus mentioned.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have had an XXXX account for 3 years and since I filed a complaint against them 2 years ago they have retaliated against me as I suspected they would and even forecasted they would in my initial complaint. Since that complaint XXXX has lowered me credit limit 3 times even though my credit score was higher each time than when I initially was approved for their card. Further, XXXX holds back the monthly report they typically send every month if my balance drops lower from the previous month. On XX/XX/XXXX my balance dropped from being over the XXXX credit limit to below the credit limit which would have raised my Fico score. However, XXXX choose to deliberately cause me harm by refusing to report the XXXX status to XXXXXXXX XXXX and TransUnion as a result I was denied credit for the primary reason of one account, that being XXXX being over the credit limit. even though my FICO score was about XXXX. Which would have been much higher it XXXX reported. I know have a cause of action to file a lawsuit which I will do and request a jury trial. As of XX/XX/XXXX XXXX XXXX still has not reported the status from XX/XX/XXXX to any of the credit bureaus mentioned.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have had an XXXX account for 3 years and since I filed a complaint against them 2 years ago they have retaliated against me as I suspected they would and even forecasted they would in my initial complaint. Since that complaint XXXX has lowered me credit limit 3 times even though my credit score was higher each time than when I initially was approved for their card. Further, XXXX holds back the monthly report they typically send every month if my balance drops lower from the previous month. On XX/XX/XXXX my balance dropped from being over the XXXX credit limit to below the credit limit which would have raised my Fico score. HoweverXXXX XXXX choose to deliberately cause me harm by refusing to report the XXXX status to XXXXXXXX, Equifax and XXXX  as a result I was denied credit for the primary reason of one account, that being XXXX being over the credit limit. even though my FICO score was about XXXX. Which would have been much higher it XXXX reported. I know have a cause of action to file a lawsuit which I will do and request a jury trial. As of XX/XX/XXXX XXXX XXXX still has not reported the status from XX/XX/XXXX to any of the credit bureaus mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
In XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX reported a negative item to ChexSystems claiming I wrote checks on a closed account. The report lists a closure date of XX/XX/XXXX and an unpaid charge-off amount of {$220.00}. I did not receive any prior notification of this alleged issue from XXXX XXXX XXXX XXXX and was never given an opportunity to validate or resolve the account. I was not made aware that the account had been closed or that it would be reported negatively. 

I dispute the accuracy and validity of this entry. I formally requested a reinvestigation from ChexSystems and XXXX XXXX XXXX XXXX, and neither party has provided sufficient documentation or proof that the debt is valid or that proper procedures were followed under the Fair Credit Reporting Act ( FCRA ). 

Additionally, several unauthorized hard inquiries appear on my ChexSystems report between XX/XX/XXXX and XX/XX/XXXX from institutions I did not initiate contact with. These inquiries were not explicitly authorized and may have resulted from erroneous or improper access to my consumer file. 

I am requesting that ChexSystems : Permanently remove the negative item reported by XXXX XXXX XXXX XXXX, Remove all unauthorized or unverifiable hard inquiries from my file, Provide confirmation of the deletions and results of their reinvestigation. 

Despite my good faith efforts to address this directly, these inaccurate records have negatively impacted my ability to open checking accounts and access basic banking services.

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 2025-05-14 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: TX

Complaint narrative:
Equifax I request { method of verification in detail } Because you did not verify this account you state as accurate updated report enclosed also you fail to answer the request for information again for the third time I will not ask again but file a law suit against you all records are filed with the CFPB disputes you fail to answer. You did not investigate anything now I want a manual investigation with complete details, who you talked to company name, person, and detail of what was said CFPB Equifax is not doing proper investigations respond through the CFPB for my records should i need to fill legal action against you. your failure to comply will bring a lot of violations to court all documented through the CFPB sect 605B states it is illegal to report anything on my credit report without my permission you Equifax and XXXX XXXX have committed fraud I never gave you permission nor XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
This is a follow-up complaint to ensure that the late payments reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my TransUnion credit report are properly investigated and corrected. Despite my initial disputes, these accounts continue to reflect late payments without proper verification or accurate documentation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), TransUnion is required to ensure the maximum possible accuracy of the information they report, including the timely correction of outdated or inaccurate late payment data. 

The continued presence of these late payments, without proper validation, indicates a potential failure by TransUnion to conduct a thorough reinvestigation, as required by federal law. This not only harms my credit profile but also places an unjust financial burden on me, as it inaccurately portrays my payment history and financial reliability.

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 2025-05-14 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: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act.

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX EXP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: UT

Complaint narrative:
Please review this complaint thoroughly, as it is legitimate and submitted with full intent. My credit report appears to contain mixed or inaccurate information, including accounts and transactions that do not belong to me. I have identified multiple instances of this, and the ongoing presence of these errors is deeply concerning. This situation is creating significant distress and must be addressed immediately.

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 2025-05-14 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: PA

Complaint narrative:
These companies accessed my credit report without my knowledge or authorization, directly harming my credit and overall score. I previously contacted Equifax, and a representative assured me these inquiries would be removed. However, they remain on my report. These unauthorized and fraudulent inquiries raise serious concerns about potential identity theft and are causing unnecessary stress in addition to damaging my credit profile. I demand immediate action to investigate and remove these entries without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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