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

Complaint narrative:
I wanted to reach out regarding some research that was done in regards to Truth in Lending overstated and Understated Finance Charge/APR XXXX and XXXX Years XXXX ( c ) ( 3 ) Calculating the Annual Percentage Rate XXXX ] Accuracy Tolerances The disclosed APR on a closed-end transaction is accurate for : Regular transactions ( which include any single advance transaction with equal payments and equal payment periods, or an irregular first payment period and/or a first or last irregular payment ), if it is within one-eighth of XXXX percentage point of the APR calculated under Regulation Z ( 226.22 ( a ) ( 2 ) ). Irregular transactions ( which include multiple advance transactions and other transactions not considered regular ), if it is within one-quarter of XXXX percentage point of the APR calculated under Regulation Z ( 226.22 ( a ) ( 3 ) ). Mortgage transactions, if it is within one-eighth of XXXX percentage point for regular transactions or one-quarter of XXXX percentage point for irregular transactions and : i. ii. The rate results from the disclosed finance charge ; and The disclosed finance charge would be considered accurate under 226.18 ( d ) ( 1 ) or 226.23 ( g ) or ( h ) ( 226.22 ( a ) ( 4 ) ). 

Using this formula the stated information on the documents are inaccurate A. Monthly periodic rates : 1. ( Total finance charge / amount of applicable balanceXXXX ) x XXXX = XXXX B. Daily periodic rates XXXX. ( Total finance charge / amount of applicable balanceXXXX ) X XXXX = XXXX XXXX. The following may be used if at least a portion of the finance charge is determined by the application of a daily periodic rate. If not, use the formula above. 

a. ( Total finance charge / average daily balance ) x XXXX = XXXX or b. ( Total finance charge / sum of balances ) x XXXX = XXXX c. Monthly and daily periodic rates Please make the necessary adjustments and provide me with an update statement of account reflecting those changes. 

Based off research and studying Tila/Regulation Z this error triggers Finance Charge/APR violations. 

I would like disbursement for any overages/surplus once this account is re-calculated.

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

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  XXXX Account Number : 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 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I took out a car loan with Santander Consumer USA while I was married to an active-duty servicemember. I am now divorced. I never received a full copy of my loan agreement or XXXX in XXXX disclosure, and I have been trying to understand the interest rate and loan terms. I formally requested my loan agreement on XX/XX/year>. Instead of honoring that request, Santander sent me a notice of default, which was alarming and did not include any of the documentation I asked for. 

I have since discovered that {$160.00} of my $ 784 monthly payment is going toward interest alone, which suggests I may be paying a very high XXXX possibly in the 20 % range. I am currently behind on the loan by approximately {$2900.00} and unable to verify the loan terms or determine whether this loan was structured fairly or in compliance with federal lending laws. 

My credit is poor, which is likely why I was targeted with unfavorable terms. I am concerned this loan may be predatory or in violation of the Truth in Lending Act, especially since I never received the disclosures I'm legally entitled to. 

I would also like CFPB to investigate whether XXXX lending practices in my case were fair and legal. I am a vulnerable consumer with limited resources and need help to resolve this.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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

Complaint narrative:
this formal complaint regarding XXXX XXXX, which is reporting a collection account on my credit file. I dispute their legal authority to collect on this alleged debt, as they are not the original creditor and have failed to provide me with any verifiable documentation proving they have a legal assignment or ownership of this debt. 
XXXX XXXX is reporting a collection account on my credit report. However, they are not listed as the original creditor, and they have not supplied me with any signed contract or legally binding assignment agreement that shows they are authorized to collect this debt or report it to the credit bureaus. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : I have the right to request validation of the debt. XXXX must provide evidence of the amount owed, the name of the original creditor, and documentation that proves they own or have been assigned the debt. To date, they have not provided sufficient validation. 


Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 : Any information on my credit report must be accurate and verifiable. If a creditor can not verify an account, it must be deleted. XXXX  failure to prove its claim means this debt should not appear on my credit report. 


Uniform Commercial Code ( UCC ) Article 9, 9-406 : According to UCC 9-406 ( c ), if a debtor ( myself ) requests proof of assignment, the collector ( XXXX  ) must furnish it. Without valid documentationsuch as the original contract bearing my ink signature or a legally executed assignmentthey have no standing to collect or report this debt. 


UCC 3-305 & 3-309 Enforcement of Instruments : Under these codes, a party attempting to enforce a negotiable instrument ( like a debt ) must prove they are the holder or a non-holder in possession with the rights of a holder. If the original contract has been lost or destroyed, they must meet strict conditions. XXXX has provided no such evidence. 


Permanent Deletion with Prejudice : I request that the collection account be deleted from all credit bureaus with prejudice, meaning it can not be reinserted or resold to another collector. 


Monetary Relief : Due to the damage caused by this account, including a reduced credit score and being denied credit ( housing and auto loan opportunities ), I request financial compensation as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n for the inconvenience, stress, and economic harm suffered. 


Written Confirmation : I request formal written confirmation that this matter has been resolved and that the account has been removed.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
this formal complaint regarding XXXX XXXX, which is reporting a collection account on my credit file. I dispute their legal authority to collect on this alleged debt, as they are not the original creditor and have failed to provide me with any verifiable documentation proving they have a legal assignment or ownership of this debt. 
XXXX XXXX is reporting a collection account on my credit report. However, they are not listed as the original creditor, and they have not supplied me with any signed contract or legally binding assignment agreement that shows they are authorized to collect this debt or report it to the credit bureaus. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : I have the right to request validation of the debt. XXXX must provide evidence of the amount owed, the name of the original creditor, and documentation that proves they own or have been assigned the debt. To date, they have not provided sufficient validation. 


Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 : Any information on my credit report must be accurate and verifiable. If a creditor can not verify an account, it must be deleted. XXXX  failure to prove its claim means this debt should not appear on my credit report. 


Uniform Commercial Code ( UCC ) Article 9, 9-406 : According to UCC 9-406 ( c ), if a debtor ( myself ) requests proof of assignment, the collector ( XXXX  ) must furnish it. Without valid documentationsuch as the original contract bearing my ink signature or a legally executed assignmentthey have no standing to collect or report this debt. 


UCC 3-305 & 3-309 Enforcement of Instruments : Under these codes, a party attempting to enforce a negotiable instrument ( like a debt ) must prove they are the holder or a non-holder in possession with the rights of a holder. If the original contract has been lost or destroyed, they must meet strict conditions. XXXX has provided no such evidence. 


Permanent Deletion with Prejudice : I request that the collection account be deleted from all credit bureaus with prejudice, meaning it can not be reinserted or resold to another collector. 


Monetary Relief : Due to the damage caused by this account, including a reduced credit score and being denied credit ( housing and auto loan opportunities ), I request financial compensation as allowed under 15 U.S.C. 1692k and 15 U.S.C. 1681n for the inconvenience, stress, and economic harm suffered. 


Written Confirmation : I request formal written confirmation that this matter has been resolved and that the account has been removed.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: GA

Complaint narrative:
I DO NOT RECOGNIZE THE ADDRESS PLEASE REMOVE THANK YOU. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX I

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 2025-05-05 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: NY

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
TransUnion reinserted a previously deleted account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ) without any notice, violating FCRA XXXX11 ( a ) ( 5 ) ( B ). No reinvestigation results were provided. I requested validation and reinvestigation, but they failed to respond. They also reported materially different information from Equifax including different open dates, payment dates, creditor names, and balances violating FCRA 602 ( a ), 607 ( b ), and Metro 2 compliance. I am suing TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$8000.00} in damages and am publicly documenting the entire process on social media to expose ongoing consumer harm and invite others to join.

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

Complaint narrative:
I RECENTLY LOOKED AT MY CREDIT REPORT XX/XX/XXXX. I SAW SOME HARD INQUIRIES THAT DID NOT HAVE PERMISSIBLE PUPORSE. 

XXXX : XXXXXXXX XXXX XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 2 : XXXX  XXXX XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 3 : XXXX  XXXX XXXX XXXX  XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 4 : XXXX XXXX XXXX  XX/XX/XXXX THIS INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 5 : XXXX XXXX XXXX XXXX  XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 6 : XXXX XXXX XXXX XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 7 : XXXX XXXX XXXX XXXX XXXX HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 8 : XXXX XXXX XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 9 : XXXX XXXX XXXX XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 10 : XXXX XXXX XXXX  XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B 11 : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY HAS NO PERMISSIBLE PURPOSE TO BE ON MY REPORT. DELETE THIS INQUIRY DUE OT VIOLATION OF 15 USC 1681B

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 2025-05-05 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XXXX of XXXX, I discovered multiple inaccurate and unauthorized accounts and hard inquiries on my credit reports, which I obtained from XXXX, XXXX, and XXXX. These entries were not initiated or approved by me and appear to be the result of identity theft. The fraudulent accounts include : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX  accounts ( opened XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX Comenity / Zales XXXX XXXX XXXX opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXX ( opened XX/XX/XXXX ). The following hard inquiries also appeared on my reports without my consent or any permissible purpose : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), Comenity Bank / XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). 

I submitted a notarized affidavit identifying each of these accounts and inquiries as fraudulent and violations of the Fair Credit Reporting Act. These accounts were inaccurately reported in violation of Section 623 ( a ) ( 1 ) ( A ), which mandates the reporting of accurate information. The inquiries breached Sections 1681b and 1681q, as they were made without my authorization and lack a permissible purpose. Despite this formal dispute, these inaccuracies remain on my reports.

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

Complaint narrative:
I woke up to find a completely unauthorized inquiry listed on my credit report, and I am beyond frustrated because I have no idea how it got there. I checked like I always do, and suddenly something is wrong. Even after refreshing my browser multiple times, it was still there. I need you to take immediate action and go through the documents Ive submitted in detail to stop this from haunting me again.

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 2025-05-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: WI

Complaint narrative:
In XXXX of 2024 I opened a {$5.00} account with XXXX that stated that at the end of XXXX months, the money that I paid would be refunded to me. Shortly after opening my account, They sent me an email and stated if I upgraded to " XXXX '' for $ XXXX, it would get reported to all XXXX bureaus. NEVER did it mention that it would change the account and that the {$240.00} that I paid them over the course of the year would become non-refundable. I want the {$240.00} that myself and XXXX 's of others have paid them for nothing returned. I never received a credit card, money, or service for the funds that they took from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation