vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My car was repossessed XX/XX/year> Ive called Santander with concerns on payment and high interest. I also disclosed that during signing on the contract the dealer never disclosed the high APR rate or finance charges that would be applied to the contract. Santander consumer then agreed to the paperwork the dealer submitted on the financing to be accurate and truthful which was in fact not accurate and truthful. After explaining that to Santander they then told me that I had to take it up with the dealer when they are the ones who has contracts with XXXX of XXXX during that time and they were the XXXX who authorized the loan to go through. I spent well over XXXX for a XXXX loan with Santander all for them to come pick my car up and not be will to work out payments after calling and putting in disputes on what this contract has put me through. What makes it even worst knowing that the dealer never disclosed the high interest on the car. I feel like Ive been robbed not just my money but what Ive been investing in for years. XXXX is a lot of money to be paying on a car and for them to turn around and take. When I thought I was only paying for a XXXX loan atleast there what the dealer told me the day of signing. Not only that there were a few discrepancies I seen on the contract that raised some red flags for me as well. There are XXXX contracts in the same persons name with different co signers all made under XXXX dealer and Santander consumer allowed this for their gain and the dealers gain. Robbing me and taking advantage of my mother for profit. And at the end we are paying on vehicles that they can just take away no matter how much money weve already paid back and put into the vehicles. I have warranty on the car for transmission and engine and the dealer told me and my mom that thats the reason why the loan was XXXX not mentioning the high APR rate and finance charges that were applied after E signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm seeing incorrect information on my credit report I wrote three ( 3 ) letter to each agency that I'm not aware of these information and capital one enquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
credit corp solutions Inc keeps calling me back to back regarding setting up payments and trying to get me to say my social security card on a recorded call and I'm declining and it keeps reporting to my credit reports negatively without proof to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion show multiple unauthorized and inaccurate hard inquiries that I never applied for or consented to. These inquiries include lenders, banks, and credit unions such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and several others that appear repeatedly without any permissible purpose. These errors have harmed my credit score and do not accurately reflect my credit activity. Under the Fair Credit Reporting Act, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information, 604 ( a ) to ensure all inquiries have a permissible purpose, and 605 to remove any outdated information. I am asking for a full investigation and deletion of any unauthorized or unverifiable inquiries from all three bureaus. I have never given written authorization or initiated credit applications with these institutions, and I request that the CFPB hold Experian, Equifax, and TransUnion accountable for maintaining accurate and verifiable reporting as required by FCRA 607 ( b ). My goal is to restore the accuracy of my credit report and ensure my consumer rights are protected from future violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion show multiple unauthorized and inaccurate hard inquiries that I never applied for or consented to. These inquiries include lenders, banks, and credit unions such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and several others that appear repeatedly without any permissible purpose. These errors have harmed my credit score and do not accurately reflect my credit activity. Under the Fair Credit Reporting Act, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information, 604 ( a ) to ensure all inquiries have a permissible purpose, and 605 to remove any outdated information. I am asking for a full investigation and deletion of any unauthorized or unverifiable inquiries from all three bureaus. I have never given written authorization or initiated credit applications with these institutions, and I request that the CFPB hold Experian, Equifax, and TransUnion accountable for maintaining accurate and verifiable reporting as required by FCRA 607 ( b ). My goal is to restore the accuracy of my credit report and ensure my consumer rights are protected from future violations.

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 2025-11-01 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: TX

Complaint narrative:
I am filing a complaint against TransUnion LLC for reporting multiple inaccurate, unverifiable, and false items on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., including Sections 602A, 609, 611, and 623. 

TransUnion continues to report several accounts that are incorrect, unverifiable, or not associated with me, including 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 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 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  Collection. 

Additionally, TransUnion is showing an incorrect address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and multiple unauthorized inquiries that I never approved, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my consent, violating FCRA 604 ( a ) ( 2 ). 

TransUnion has failed to properly verify or remove these accounts and inquiries, violating FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). These errors have caused serious harm to my credit profile and financial reputation. 

I am requesting that the CFPB require TransUnion to conduct a lawful reinvestigation of all disputed items and permanently delete all unverifiable, inaccurate, and unauthorized information from my credit report. 

Fair Resolution Requested : I request full deletion of all inaccurate accounts, unauthorized inquiries, and the incorrect address from my TransUnion credit file, with written confirmation once completed.

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 2025-11-01 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:
My name is XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), residing at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. On XX/XX/XXXX I obtained my credit data, and on XX/XX/XXXX I sent formal disputes to XXXX, XXXX, and XXXX regarding inaccurate, inconsistent, and unverifiable information, including incorrect personal identifiers ( name, address, employer ) and missing/miscoded XXXX XXXX fields that prevent objective verification.

Under FCRA 607 ( b ), 611, 623 ( a ), 1681e ( b ) ( maximum possible accuracy and reinvestigation ), I requested an independent reinvestigation, proper notation of my dispute, and correction or deletion of any unverifiable data. To date I have not received documented verification or complete corrections within the statutory timeframe, which is unfairly harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: 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 explanation
Consumer complaint received 2025-11-01 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 submitting this complaints because i discovered several negative items that are inaccurate, unverifiable, or reported in error. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the immediate deletion of these accounts and information from my credit file. 
To begin with, my report includes an incorrect address listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address, and its presence on my report raises concerns about identity and data accuracy. Under FCRA 609 ( a ) ( 1 ), I have the right to know the sources of all information reported about me. Since this address can not be verified as mine, it must be removed immediately from my file. 
My credit report also shows two accounts marked as Late Closed, which are being reported in error : XXXX  XXXX ( Account ending XXXX ) Balance : {$0.00} XXXX ( Account ending XXXX ) Balance : {$0.00} Both of these accounts were properly closed and have a zero balance. There is no valid reason for them to continue being reported as derogatory or negative. Because these items can not be verified as accurate, FCRA 611 ( a ) requires their prompt deletion from my credit report. 
In addition, a collection account from XXXX XXXX XXXX referencing XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00} appears on my report. I have no record or proof of any such rental debt, and I have never received validation from this company. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure the accuracy and integrity of what they report. If they can not provide documentation verifying the debt, Experian is legally obligated to delete the entry. 
Another inaccurate item involves XXXX XXXX XXXX ( Account ending XXXX ), reported as a repossession with a balance of {$4400.00}. This is incorrect the vehicle was voluntarily surrendered and settled, not repossessed. Misreporting the nature of this account violates FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy in the data they publish. Since this entry misrepresents the account, it must be removed immediately. 
Lastly, I am disputing the unauthorized inquiry from XXXX dated XX/XX/year>. I did not apply for credit with this company and did not consent to any credit check. Under FCRA 604 ( a ), a consumers report may not be accessed without a permissible purpose. Therefore, this inquiry is unauthorized and must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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 submitting this complaints because i discovered several negative items that are inaccurate, unverifiable, or reported in error. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request the immediate deletion of these accounts and information from my credit file. 
To begin with, my report includes an incorrect address listed as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived at this address, and its presence on my report raises concerns about identity and data accuracy. Under FCRA 609 ( a ) ( 1 ), I have the right to know the sources of all information reported about me. Since this address can not be verified as mine, it must be removed immediately from my file. 
My credit report also shows two accounts marked as Late Closed, which are being reported in error : XXXX  XXXX ( Account ending XXXX ) Balance : {$0.00} XXXX ( Account ending XXXX ) Balance : {$0.00} Both of these accounts were properly closed and have a zero balance. There is no valid reason for them to continue being reported as derogatory or negative. Because these items can not be verified as accurate, FCRA 611 ( a ) requires their prompt deletion from my credit report. 
In addition, a collection account from XXXX XXXX XXXX referencing XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00} appears on my report. I have no record or proof of any such rental debt, and I have never received validation from this company. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure the accuracy and integrity of what they report. If they can not provide documentation verifying the debt, Experian is legally obligated to delete the entry. 
Another inaccurate item involves XXXX XXXX XXXX ( Account ending XXXX ), reported as a repossession with a balance of {$4400.00}. This is incorrect the vehicle was voluntarily surrendered and settled, not repossessed. Misreporting the nature of this account violates FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy in the data they publish. Since this entry misrepresents the account, it must be removed immediately. 
Lastly, I am disputing the unauthorized inquiry from XXXX dated XX/XX/year>. I did not apply for credit with this company and did not consent to any credit check. Under FCRA 604 ( a ), a consumers report may not be accessed without a permissible purpose. Therefore, this inquiry is unauthorized and must be deleted from my credit file.

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 2025-11-01 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:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My XXXX  account is frozen I contacted the company and they said I need to verify my identity. I sent over documents of my ID and my account has not been unfrozen in over a month. I have funds in there that they let me deposit while it was frozen which I did not know it was but wont let me transfer it out nor use my Venmo debit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: WA

Complaint narrative:
I am submitting to formally dispute certain items appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These inaccuracies have negatively impacted my credit file and do not reflect accurate or up-to-date identifying information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 611 ( a ) and 1681e ( b ), I am requesting that conduct a full reinvestigation to ensure that all personal and inquiry information reflected in my file is correct, verified, and reported with maximum possible accuracy. 
XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX CXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA, XXXX

Company response to consumer: Closed with non-monetary relief