vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
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 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 2025-06-12 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: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XXXX reporting nearly {$5000.00} in fraudulent transactions made with my XXXX XXXX credit card between XX/XX/XXXX and XX/XX/XXXX. I filed the dispute immediately in XXXX, well within the XXXX limit. XXXX falsely told me I was outside the time window until I sent screenshots proving my dispute was submitted on time. 

Many of the transactions occurred in XXXX, FL, while I was physically in XXXX XXXX using my Apple Pay with Face ID in the same timeframe. Others took place at XXXX XXXX while I was at an emergency vet hospital with my dog. I provided timestamped location evidence and screenshots proving I couldnt have made these purchases. 

Despite this, XXXX never properly investigated. They ignored the clear red flags and insisted I prove the fraud myself asking for exact timestamps, receipts, locations instead of doing it themselves. Their support team was robotic and unhelpful, refused to speak by phone, and closed my case without resolution. 

Please see the attached files. I have done everything required. I just want fairness and protection, like any responsible customer should expect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: MS

Complaint narrative:
I am disputing a debt reported by Debt Recovery Solutions ( DRS ) under account number XXXX. I do not recognize this debt and have not received any documentation verifying that I owe it. I submitted a written request for verification under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), but I have not received a proper response. 

Until I receive full validation, including the name of the original creditor, a breakdown of the amount, and proof of my obligation, I am requesting that all collection efforts and credit reporting related to this account cease. I am filing this complaint to resolve the issue and protect my credit rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
What happened : I received a vehicle loan through Santander Consumer USA. During the application process, I submitted income documentation showing that my only source of income is Social Security XXXX Insurance ( SSXXXXI ). Despite this, Santander approved a loan that I could not afford and is now denying it ever received the income verification. This appears to be a deliberate failure to verify income, which disproportionately harms XXXX consumers like me. 

Since then, I have experienced aggressive and unfair collection practices, including repeated calls demanding full payments, threats of repossession, and refusal to accept partial payments. At one point, Santanders online portal would not allow me to make any payment unless it was the full balance due, preventing me from staying current. This appears to be an intentional design flaw that was only corrected after I filed multiple complaints and documented the issue with screenshots.

Santander also removed my phone number from their system, despite representatives claiming to have updated it. This prevented me from resolving the issue and made communication nearly impossible. 

I was told by the Executive Office that if churches helped make payments on my behalf, the vehicle would not be repossessed. Despite that, checks from those churches were cashed, and threats of repossession resumed immediately afterward.

When I asked to enroll in the optional disability payment protection plan ( insurance that would help cover my loan if my income stopped ), I was told, Youre on Social Security you dont need it. This is discriminatory and prevented me from protecting myself financially like any other borrower.

Additionally, representatives from both Santanders Executive Office and customer service made dismissive and discriminatory remarks when I tried to explain my XXXX  and request reasonable accommodations.

The dealership that originated my loan ( XXXX XXXX ) actively advertised on XXXX to people receiving SSXXXXI and those with bad or no credit. These ads specifically targeted vulnerable individuals who were unlikely to qualify for fair loans, funneling them into high-risk, unaffordable financing through Santander. This strongly suggests a predatory lending relationship between the dealership and Santander designed to exploit people with limited financial options. 

I suffer from XXXX XXXX  and do not always remember specific dates, but I have documented my experience with phone call recordings, emails, and screenshots. As soon as I learn how, I will submit these materials to support my complaint. I believe Santander has engaged in systemic predatory lending and discriminatory practices that violate consumer protection and fair lending laws And cripple me financially knowing they could sue collect attorney fees and walk away all profit with a car to re sell to another SSXXXXI receiptiant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Experian for their failure to remove an unauthorized and inaccurate account from my credit report despite XXXX formal disputes. 
The account in question, reported by XXXX  XXXX ( Account Number : XXXX ), does not belong to me and is associated with an outdated address that no longer exists on my credit file. 
Despite submitting this information to Experian, they verified the account and failed to remove it, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( b ) and 1681e ( b ). 
I am requesting that the CFPB investigate XXXX procedures for handling reinvestigations and compel the bureau to delete this erroneous information from my report. 
Sincerely, XXXX XXXX XXXX Town and XXXX XXXX, XXXX XXXX, XXXX, TX 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 2025-06-12 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
When I reached out to the Nelnet student loan company, I requested verification of the reported debt, including a copy of the original promissory note, a detailed payment history, and an explanation for the negative credit reporting. I specifically asked why my credit was affected while the loan was in forbearance. The representative informed me that my account was indeed in forbearance and that they would update my credit report to reflect this status. I was also told that my repayment would resume in XX/XX/year>. However, despite this assurance, the credit report has not been corrected, and I have not received adequate documentation to support the accuracy of the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Reporting as Closed with ongoing past due balances, which could be inaccurate if the account is settled or charged off.

Indicates multiple dispute notations but still reports as derogatory.

Potential Violations : FCRA 1681i ( a ) ( 5 ) ( A ) Failure to properly update information after a dispute.

FCRA 1681s-2 ( b ) Furnisher must correct and update inaccurate data post-dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NBT BANCORP INC.
State: FL

Complaint narrative:
I requested my account with NBT Bank to be closed. I brought the balance to XXXX. Despite this, the bank allowed debits to continue hitting the account after my closure request. This caused new overdraft fees to accumulate. Every time Ive tried to resolve this, Ive been met with shifting explanations first I was told I had to contact my merchants, then I was told I needed to write a letter, and finally I was told I need to complete a notarized form, none of which were disclosed at the time I requested closure. I dispute all overdraft fees charged after my closure request. NBT Bank had full control to block debits on a closed account but chose not to. I am requesting reversal of all post-closure fees and full closure of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On My Credit Score its multiple inquries, and its already been weeks and months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one is requesting payment for a car that was repossessed illegally and i asked them to not contact me about the debt until they provided proof of assignment clause in the XXXX. They have failed to do so. Now they sold the car, which they have no legal security interest in and now asking me to pay the remaining balance after the sale of the vehicle. I am not. I want them to stop contacting me, im revoking any permission they have to share my personally identifiable information. if they report or disclose this alleged debt to anyone outside their company i am adding that to the existing pending lawsuit for violation of my rights after multiple demands to stop communicating with me. I mailed them a copy of the notice and im sending it here to put them on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I'm contacting you regarding an account that has been reported under my name without my authorization. Let me be absolutely clearthis account is not mine. It was opened without my knowledge or consent and represents unauthorized, fraudulent use of my personal identity. 

I take the security of my personal information extremely seriously, and I did not authorize this account in any capacityno application, no approval, no usage. I am a victim of identity theft, and this fraudulent account is the direct result of that violation.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPT OF ED/XXXX 2 . DEPT OF ED/XXXX 3 . DEPT OF EDXXXX 4 . DEPT OF ED/XXXX 5 . DEPT OF EDXXXXXXXX  6 . DEPT OF ED/XXXX 7. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-12 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: DC

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 non-monetary relief