vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
On XX/XX/XXXX, the following companies ran hard inquiries on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OR XXXX I was born on XX/XX/XXXX, and therefore was XXXX XXXX XXXX at the time of these inquiries. As a XXXX I could not legally authorize any credit activity. 

I have submitted multiple disputes to Equifax, including an identity theft report and proof of my age, but the inquiries have not been removed. 

I am requesting that these unauthorized inquiries be removed from my credit report, as they were made without my legal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MS

Complaint narrative:
The late payments being reported are incorrect. I made my payments on time, and the dates shown do not match my actual payment history. I did not receive any notice of missed payments, and the company has not provided proof that these late payments are valid. Under the FCRA, information must be accurate and verifiable, so I am requesting that these late payments be reviewed and corrected.

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 2025-12-02 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: MI

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit report. I have no knowledge of some accounts listed, and other entries reflect false information, including charge-offs, late payments, and incorrect addresses. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 1681i, 1681e ( b ), 1681k, and 15 U.S.C. 1692 applicable to accurate reporting. 

XXXX XXXX  XXXX XXXX XXXX, TX I have no relationship or residency connection with this address and its appearance on my file shows inaccurate identity information. This violates 1681e ( b ), and you must delete it immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Late Payment The late payment history being reported is inaccurate. I have never made a late payment on this account, and under 1681e ( b ) and 1681i you can not continue publishing an incorrect delinquency without documentation proving it. Correct the reporting to reflect a perfect payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment This late payment reporting is also inaccurate. I have never made any late payment and this information has no factual support. The bureau must correct the payment history to show no late payments under 1681e ( b ) and 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Collection I have no knowledge of this alleged collection account. You are reporting data that can not be verified with proper documentation under 1681e ( b ) and 1681i. Delete this account completely because it is not mine. 

XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$1000.00} Charge off I have no knowledge of this account and no connection to the alleged charge-off. Reporting a charge-off with no verifiable creditor documentation violates 1681e ( b ) and 1681i. This account must be deleted entirely. 

XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. Under 1681b, an inquiry requires permissible purpose, and this one had none. Delete it immediately.

I request that CFPB direct a thorough investigation and corrective action for each item listed below. I request CFPB to ensure all disputed items are properly reinvestigated and that all inaccurate information, including charge-offs, late payments, and addresses, are corrected or removed from my credit report. Continued reporting of these errors constitutes violations of the FCRA, and I insist on immediate remedial action.

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 2025-12-02 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
The XXXX XXXX account being reported is more than XXXX XXXX XXXX and should no longer appear on my credit report under the Fair Credit Reporting Act. I was never notified prior to the reporting, and the information is outdated and inaccurate. Please remove this obsolete entry 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 explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 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 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am submitting a complaint against Santander Consumer USA for illegal repossession, mishandling of my payment, and improper loan servicing. 

My account number with Santander is XXXX. 

Santanders online portal showed that my account was past due and that the total amount needed to bring it current was {$3000.00}, with a due-by date of XX/XX/year>. The past-due portion was {$2500.00}. 

On XX/XX/year>, I made a payment through my bank ( XXXX ) for the full {$3000.00}. My XXXX payment receipt confirms : XXXX : Santander Consumer USA ( account ending in XXXX ) Amount : {$3000.00} Send On date : XX/XX/year> Deliver By date : XX/XX/year> Delivery Method : Mailed check Confirmation Number : XXXX Status : Pending My XXXX checking account shows that I had more than enough funds to cover this payment, including a {$3000.00} wire transfer credit, a {$2300.00} deposit from the US Department of Veterans Affairs XXXX and a {$1200.00} income payment. I have screenshots of my bank statements and transaction history showing that the funds were available and that the payment was scheduled. 

Despite this, Santander repossessed my vehicle while the payment was already in transit and before the deliver by date of XX/XX/year>. To my knowledge, I was not provided a proper written notice and right-to-cure letter mailed to me as required by law. 

I had previously communicated to Santander that I had hardship due to tornado-related damage to my home and a bank fraud incident requiring me to change cards. Santander had moved some payments to the end of the loan to accommodate this hardship. Even with this history and with a full past-due payment in process, the vehicle was repossessed. 

I believe this conduct violates federal consumer protection standards, including CFPB servicing guidelines and UCC Article 9 requirements ( notice and repossession rules ), as well as Texas Finance Code provisions relating to right-to-cure practices and good-faith servicing.

I am asking the CFPB to investigate and require Santander to : 1. Reverse the repossession and return my vehicle without charging me repossession, towing, or storage fees. 
XXXX. Properly apply my {$3000.00} payment that was sent on XX/XX/year>. 
XXXX. Remove all negative credit reporting, including any late payments, defaults, or repossession-related entries tied to this incident. 
XXXX. Provide a written explanation of how this repossession was allowed to occur while a full payment was pending and in transit. 

I can provide copies of my payment receipt, bank statements showing available funds, and screenshots from XXXX website showing the past-due amount and due-by date. 

My contact information is : XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint because I am unable to resolve a credit card debt directly with Wells Fargo, despite my repeated attempts and despite Wells Fargo still requiring that all payments be made to them. Wells Fargo referred my charged-off credit card account to an outside attorneys office, XXXX & XXXX XXXX XXXX which has prevented me from settling the account fairly. 

I previously held both a personal loan and a credit card with Wells Fargo, both of which were always paid on time and in good standing for years. Unfortunately, I was unexpectedly laid off without warning along with over XXXX other employees. I went into work at XXXX AM and was laid off before XXXX AM through an email notification. As a result, I had no income and informed Wells Fargo that I would be unable to continue making monthly payments until I was able to secure new employment. I advised them that I intended to resume payments or make payment arrangements once I was working again. 

I was unemployed for almost a year. Once I became employed again, I contacted Wells Fargo to discuss repaying my charged-off accounts. Wells Fargo agreed to a settlement on my personal loan. However, when I attempted to settle the credit card in the same manner, I was told the account had been referred to XXXX XXXX XXXX XXXX and I had to contact them. 

When I contacted XXXX & XXXX, they informed me that they would not offer any settlement option and that I must pay the balance in full. I explained that Wells Fargo had just given me a settlement on the loan and that I was attempting to regain financial stability while facing eviction and managing over {$65000.00} in total debt. Despite this, XXXX XXXX XXXX stated they would only accept payment in full and that any payments would still be made directly to Wells Fargo. 

Because of this contradiction, I contacted Wells Fargo again and asked why I could not settle the credit card with themespecially if I am required to pay them directly. Wells Fargo insisted that I must negotiate through XXXX XXXX XXXX, even though the attorneys office refuses to offer a settlement option comparable to the one I made directly with Wells Fargo who the loan was acquired through. 

This situation has left me unable to resolve the debt despite my proactive efforts and willingness to pay through a fair settlement, consistent with the settlement Wells Fargo already provided on my loan.

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 2025-12-02 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: CA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am so displeased with the way my information was used. I was trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my emotional and psychological health to the point I had to have my pastor pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, not one credit reporting agency shouldn't be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.

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 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint regarding Chimes handling of a fraud dispute involving money stolen from my Savings account. My account was hacked, and multiple unauthorized transactions occurred without my permission. I reported the fraud to Chime immediately and filed a dispute. 

Chime has not resolved this issue properly. I have not received a satisfactory update, resolution, or reimbursement of my stolen funds. I believe Chime has failed to follow required timelines and procedures regarding unauthorized electronic transactions under Regulation E. 

My urgent concerns ; the unauthorized transaction of {$470.00} occurred while I was asleep. My account was clearly compromised at XXXX XXXX, outside of any normal activity. I reported the fraud immediately. Chime has not returned my funds or provided a provisional credit. 
The investigation has been unclear, slow, and lacking communication. I am currently without the money that was stolen, which has impacted my essential expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-12-02 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: OR

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I participated in a promotional offer for opening a new SoFi Checking & Savings account through a third-party platform. The offer stated that I would receive a reward when I ( 1 ) opened a new SoFi Checking & Savings account, and ( 2 ) made a qualifying direct deposit of {$400.00} or more as my first deposit within the stated timeframe.

I completed every required step. I opened a brand-new SoFi account and made a qualifying deposit of over {$400.00} as my first deposit. I also provided documentation when requested.

Despite fulfilling all requirements, the promotional partner and/or SoFi refused to issue the reward. They stated that my enrollment did not track on our end. This is an internal technical failure entirely outside of my control, and this condition was never disclosed in the promotional terms at the time I joined the offer. A consumer can not be denied a reward due to a hidden or undisclosed tracking requirement.

This appears to be a violation of Section 5 of the FTC Act, which prohibits unfair or deceptive practices. The terms did not state that : A technical tracking registration was required, A system failure on their side could void the offer, Employer payroll was required, or The reward hinged on backend tracking accuracy.

I completed the actions exactly as advertised but was denied the reward due to undisclosed conditions. I am requesting that the company be required to honor the promotional reward.

Company response to consumer: Closed with explanation