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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I filed a claim with Santander XXXX XXXX on XX/XX/scrub>, 2025, for {$4000.00} ( Claim # XXXX ). As of XX/XX/scrub> 2025, I have not received any written notification about the status of my claim, even though I was later told over the phone that it was denied. 

I have called Santander multiple times to follow up, but I have not been given proper communication or a written explanation as required. This lack of transparency and failure to notify me has caused significant XXXX  and financial hardship. 

I am requesting that Santander : Provide a written explanation of why my claim was denied Reconsider the denial or reimburse me the {$4000.00} Ensure proper documentation and communication are provided Because of how this has been handled, I am in the process of closing my Santander account. I would like the CFPB to review this case and require Santander to resolve it appropriately.

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 2025-09-09 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: MD

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: OH

Complaint narrative:
First call came 3 days ago. Received 9 more since. Never explained who and why they where calling. XXXX XXXX, they told me the car loan was sold. 3 more calls and set up auto pay. Was still Receiveing demanding calls for payment. Very rude service. I never not once miss a payment in my car history. But yet getting treated like I'm in dept. Harassment daily!

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

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I was not properly notified that the SAVE act was no longer in effect after years of deferred payments and promised payment deferrals during XXXX. Because of this initial promises, we were instructed to pause payments. New sources then notified that the SAVE act was in effect and extended the deferred payment period. Suddenly it was lifted and we were not notified of this change. I only saw messages on the inbrowser login through Nelnet, no other form of communication. I saw the derogatory mark against my credit score in XXXX. I caught my account back up to current due to this and then once again, I saw my credit score take another hit. I do not understand why my credit score was affected twice, when it should not have been affected in the first place. Can the parties assisting in this matter, help me rectify and reverse the mark on my account as well as correct the score on my credit score? 

Knowing all of this, I contacted Nelnet with this information via email on their website. I received no reply or confirmation of receipt. I will also be calling the services but am not hopeful considering that I am not even sure if my email was received. 

To summarize, I have all intentions and ability to repay the loan. No intentions of delayed payment ; just following what was recommended due to global and local circumstances. Payment has been made to bring myself current and situated where all forward payments will be handled automatically Thank you

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

Complaint narrative:
I never authorized or have any idea of these loans being mine, and I was granted a full ride scholarship for my college education. And would like you guys to look into these because It made my credit descend down.

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 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grimley Financial Corporation
State: NJ

Complaint narrative:
I am submitting this complaint against Grimley Financial Corporation regarding a disputed medical debt they claim I owe in the amount of {$1500.00}. This amount is inaccurate and does not reflect any actual medical bills I owe. My records with XXXX XXXX show that no single bill exceeds {$90.00}. 

I believe this inflated amount may have been manufactured to exceed the {$500.00} threshold used by credit bureaus for medical debt reporting. If true, this is deceptive and potentially unlawful. As of now, this debt has not appeared on my credit report, and I want to ensure it remains unreported.

I have requested validation of the debt, including itemized billing, proof of ownership, and documentation of the chain of custody. Grimley Financial Corporation has not provided any of this information. I am requesting that they : Cease all collection activity immediately Provide full and complete debt validation Permanently remove this {$1500.00} claim from their records Confirm that this debt will not be reported to any credit bureau This inaccurate debt is causing undue XXXX  and threatens my financial stability. I am asking the CFPB to investigate Grimley Financial Corporations practices and ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ) and current credit reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
My brother and I jointly own an LLC and have an account with Relay Fi, a XXXX platform backed by XXXX XXXX. We've been operating using Relay powered accounts for 2 months, including receiving customer payments via ACH. 

On XXXX  XX/XX/XXXX, we deposited a customer payment via check. This cleared, then our account was promptly shut down while a support case opened, requesting information about the customer and work done for the payment. We provided materials promptly. 

Over the XXXX, we remained shut out of the account. Another email XXXX  was opened with Relay Fi support that went nowhere. Monday, I called customer support and submitted a fraud complaint to XXXXXXXX XXXX XXXX hotline. Tuesday I called customer support again, asking to escalate the original issue started by them on Monday. They assured me their compliance team would take care of it. 

Wednesday, XX/XX/XXXX, I followed up via email again, to the support XXXX, asking for an update, and to prioritize it. I XXXX XXXX Relay 's CEO and head of compliance on this. 

Around XXXX XXXX XXXX XXXX we received an email from the support XXXX  stating our account was unfrozen. In 4 business days, 6 total days, no updates were given to us proactively until the final communication.

All of our accounts receivable and payables were delayed due to this, with no communication from either Relay or XXXX XXXX  since XXXX, until XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I am filing a complaint regarding how my credit card company is handling my payments. 

I am enrolled for minimum payments on my credit card. Beginning on XXXX XXXX, 2025, I started making extra payments of approximately {$20.00} per week with the intent of reducing my principal balance. However, instead of applying these extra payments to my balance, the company has been applying them to satisfy the minimum due and then charging me a lesser minimum payment. This practice has caused me to accrue higher interest charges and prolonged balances, directly undermining my efforts to pay down debt. 

When I questioned this, I was told that extra payments can only be applied toward the principal balance during a limited four-day period after the statement balance is issued. This restriction was never clearly disclosed, is confusing to consumers, and effectively prevents extra payments from being used as intended. 

In my attempts to resolve this directly with the company, I have spent over an hour on the phone and was even hung up on once while being transferred. Despite these efforts, no resolution has been provided. 

This seems to constitute misleading disclosures, misapplication of payments, and unfair interest charges. I am requesting that the CFPB review these practices, as they appear designed to generate additional interest income rather than help consumers reduce debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Collection Management XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ACCOUNT # XXXX Re : Formal Dispute & Debt Validation Request for Account Alleging {$2700.00} To Whom It May Concern, I am contacting you regarding a collection entry on my credit report in the amount of XXXX XXXX  {$2700.00} XXXX XXXX, which is allegedly owed to your agency. I am formally disputing this account and requesting * * full validation * * of the debt under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *.

This alleged debt is unfamiliar to me, and I believe it may be connected to XXXX XXXX. Furthermore, your correspondence has referenced an * * outdated address * *, which raises concerns about identity verification and data accuracy. Therefore, I request that you immediately provide : 1. The name and address of the original creditor 2. A complete account breakdown showing how the amount was calculated 3. A copy of any contract bearing my signature 4. The date the debt was incurred 5. Proof of your authority to collect this debt 6. If this is a medical debt, a full itemized statement and HIPAA release * * I dispute this debt in full. Until full validation is provided : - You are * * prohibited from reporting * * this debt to credit bureaus.

- If already reported, I demand that you * * cease and remove * * all credit bureau reporting.

- Any continued collection efforts without validation will be considered a violation of federal law.

Please also update your records to reflect my current address above. I will retain this letter for future CFPB and legal actions if necessary. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Email : XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Charge-Off Account and Demand for Debt Validation Creditor/Company Name : XXXX XXXX XXXX  Date Opened / Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a charge-off account currently reported on my TransUnion credit file. This letter serves as both a * * debt validation demand * * under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and a * * cease and desist notice * * regarding further collection activity until proper validation is provided.

Under * * 15 U.S. Code 1692g * *, I am requesting full validation of the alleged debt, including : - A copy of the original signed contract or agreement - A full payment history and breakdown of charges - Proof of your legal authority to collect this debt - The name and address of the original creditor Furthermore, under * * 15 U.S. Code 1692c ( c ) * *, I am invoking my right to request that all communication regarding this alleged debt cease immediately, except for providing the required validation.

Additionally, under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681s-2 ( a ) * *, data furnishers are prohibited from reporting inaccurate or unverifiable information to consumer reporting agencies. If this account can not be verified with proper documentation, it must be removed from my credit report immediately.

Please consider this letter a formal dispute under the FCRA. I request that TransUnion investigate this matter and provide written confirmation of the results of your investigation within 30 days, as required by law.

If this account is not validated or corrected within the legally mandated timeframe, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation