vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
I am submitting this complaint to supplement my earlier filings ( IDs : XXXX, XXXX, XXXX, XXXX ). Those cases were closed without review of key evidence. 

XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX  ) is furnishing false and inconsistent credit reporting information despite receiving court-ordered garnishment payments. 

Garnishments Deducted : My wages were garnished through XXXX beginning XX/XX/XXXX until XX/XX/XXXX, with deductions appearing on every paycheck. The amounts varied, but most pay periods reflect a deduction of approximately {$440.00}. This totals several XXXX dollars that were taken directly from my wages. 

Conflict With XXXX  Letter : In their XX/XX/XXXXXXXX  letter to me, XXXX claimed they received garnishment payments until XX/XX/XXXX. This is false. My payroll records prove the last garnishment was XX/XX/XXXX. I never made any direct payments to XXXX. 

False Credit Reporting : Despite garnishment payments, XXXX  continues to report inaccurate derogatory remarks such as Customer Unable to Locate Consumer and ongoing charge-off updates. This is knowingly false because my employer was garnishing my wages, proving I was locatable and actively paying. 

Re-Aging of Debt : The credit card account was marked paid charge-off in XX/XX/XXXX, yet XXXX  and the credit bureaus continue to update the account monthly with derogatory remarks. This artificially extends the negative impact on my file beyond the 7-year reporting limit. 

CRA Failures : I disputed with XXXX, XXXX, and TransUnion in XX/XX/XXXX. Instead of correcting the record, they verified XXXX  inaccurate reporting, despite being provided with pay stubs and documentation of garnishment. This is a violation of FCRA 1681s-2 ( b ) because the CRAs and XXXX failed to reasonably investigate and correct.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This is my XXXX  dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-17 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: TX

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Company : Santander XXXX  USA Issue : Wrongful repossession of vehicle, lack of response to multiple complaints, financial and emotional harm Details of Complaint : On XX/XX/XXXX, at XXXXXXXX XXXX Santander XXXX  USA wrongfully repossessed my XXXX XXXX XXXX ( XXXX, XXXX : XXXX ). I have never held an account with Santander ; the repossession was related to a prior owners account. 

Despite promptly providing proof of ownership and compliance with their requests, my vehicle was not returned until XX/XX/XXXX, at XXXXXXXX XXXX leaving me without transportation for a full week. This caused substantial financial and personal hardship, including : Cancelled family vacation ( {$890.00} lost ) Car rental ( XXXX, {$760.00} ) Gas ( {$50.00} ) XXXX XXXX ( {$30.00} ) Lost wages for 2 days of work ( {$640.00} ) Stress, inconvenience, and disruption to my family Timeline of Attempts to Resolve with Santander : XX/XX/XXXXXXXX  First email sent to Santander XXXX  USA ( no response ). 
XX/XX/XXXX Second email and follow-up phone call ( no resolution, no callback ). 
XX/XX/XXXX Third email and follow-up phone call ( no resolution, no callback ). 
XX/XX/XXXX Fourth email and follow-up phone call ( still no resolution, no callback ). 

As of today, XX/XX/XXXX, I have not received any resolution or even a callback from Santander. They continue to withhold accountability despite having full documentation, including receipts, timesheets, and a pay stub proving my financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
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 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a dispute regarding accounts that were fraudulently reported under my name. I have no knowledge of these accounts and did not authorize them. Their inclusion is false, misleading, and has caused measurable harm to my credit standing and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a person scam me so I contacted the bank after their investigation they said I recieved XXXX which is not true and they did nothing to get me my money back and denied all my claims, They are licenced and insured against these kinds of things, I sent information regarding this and that this women has continuously hacked into my account and they have not done nything that now I am at a loss of almost {$510.00} blaming me. I caught it as soon as possible and notified them. What is their fraud dept for? I understand with XXXX I approved the payment but still I sent thte email where the women ghosted me then she got into my account and XXXX XXXX  took my money when I clearly expalined I didn't know how to use it and I would XXXX  her but then 120 disappeared out of my account and I have more still pending and since they keep denying me I fingured let me put in a compaint now. I am on XXXX for my mnetal health, what am I supposed to do if this keeps happening?

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I called XX/XX/XXXX  and spoke with a representative at American Express and asked the rep what was my complete payoff amount as that day to XXXX  out the account. The rep gave me a number and I paid it off that day. I then received a {$400.00} charge on XX/XX/, I called again that day to get the issue corrected. I first spoke with a representative who then put me on hold for a supervisor after being on hold for another 45 mins, the line just disconnected. I am going to contact them again about this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Driveway Finance Corporation
State: FL

Complaint narrative:
I am a currently serving member of the XXXX XXXX XXXX XXXX who was on XXXX XXXX XXXX XXXX orders XXXX  beginning XX/XX/year>. On XX/XX/year>, Driveway Finance Corporation repossessed my vehicle without first obtaining a court order. This is a direct violation of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3952, which prohibits creditors from repossessing a servicemembers vehicle while on XXXX XXXX without court approval. After unlawfully repossessing and selling my vehicle, Driveway Finance Corporation sold a claimed deficiency balance to a third-party debt collector. Because the repossession was illegal under the SCRA, any resulting deficiency balance is invalid and unenforceable. Despite my status and my orders, the company failed to respect my rights under federal law. On XX/XX/year>, I sent a formal emailed SCRA violation notice to Driveway Finance Corporation due to the contact address being a P.O Box and no response from sending my orders prior to mobilization. I spoke with an associate on the phone and she stated they do not get that mail due to it being a P.O Box. The notice included a copy of my XXXX  XXXX, as well as the repossession documents. I never received a response so I emailed VIP 's within the company as well as the recovery team for a response on XX/XX/year>. I still received no acknowledgement whatsoever. I then mailed a letter to the address for disputes and according to USPS records, the letter was delivered, but the company has never responded. Instead, the debt continues to be pursued by a collection agency, further compounding the violation and harming my credit. I am requesting the CFPBs assistance in requiring : 1. Full relief under the SCRA, including reversal of the unlawful repossession and sale. 2. Immediate recall and closure of the invalid deficiency debt. 3. Removal of any negative credit reporting related to this matter. 4. Appropriate penalties against Driveway Finance Corporation and any involved debt collectors for violating the SCRA and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
Knowingly trapped customers in unaffordable loans to finance manufactured homes sold by its parent company, XXXX XXXX. 
Ignored obvious " red flags '' about customers ' financial situations during the underwriting process. 

Took the mobile home without any warning and left all my possessions out in the yard to ruin. Was unable to pay off loan and mobile home was reposed. 

Also sold mobile home but didn't put it in their name and not paying XXXX XXXX taxes causing me to no get my tax return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: NY

Complaint narrative:
3rd party debt collector. Verified into the account with a representative and explained that I wouldn't be able to agree to payment plans ( not financiallyable to at the moment ), however I will have the debt owed paid ( very small amount ) in full no later than XX/XX/year>. I was told that the account would be updated. Prior to this complaint, I have blocked 2 numbers and have continued to received multiple calls a day, every day since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank failed to comply with Regulation E in denying my dispute ( Account ending in XXXX Prior Disputes XXXX and XXXX ) I am filing this complaint because TD Bank failed to conduct a proper investigation of unauthorized transactions on my account ending in XXXX. 

TD Bank previously denied my disputes ( reference numbers XXXX and XXXX ) and claimed the transactions were valid because : They were chip transactions at chip-enabled terminals, and My card was reported to be in my possession. 

Neither of these reasons proves that I authorized the transactions. Fraud can occur even when a chip card is used, and having physical possession of the card does not mean I approved or performed the charges.

TD Bank has not provided any merchant documentation ( such as signed receipts, video surveillance, or geolocation records ) showing that I performed or authorized these transactions. Their response simply states their belief that I must have made the charges, which does not meet the requirements of Regulation E ( 12 CFR 1005.11 ).

Regulation E places the burden of proof on the financial institution to show that a disputed transaction was authorized. TD Bank has failed to meet this burden and has not provided evidence of authorization despite being required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$620.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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 explanation