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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing multiple inaccurate accounts on my credit report. I previously submitted disputes directly to the credit bureau ( s ), but they were marked as verified without providing any supporting documentation from the furnishers. This violates the Fair Credit Reporting Act ( FCRA ) 1681i, which requires a reasonable reinvestigation and disclosure of the method of verification.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/29 I was a victim of fraud/scam. I received a text from a scammer representing themselves as Wells Fargo Fraud department. I believed them. To make a long story short ; here is what they had me do : Move all of my savings to my checking. ( {$2100.00} ). 

Send {$1400.00} thru XXXX XXXX via my debit card. 

Send a total of {$3800.00} ( {$1200.00} & {$2500.00} ) to unknown individuals thru XXXX. 

Very naive and XXXX  on my part! 

After filing a claim with XXXX, they recognized the transaction as fraud and filed it with their fraud insurance. 

After filing a claim with Wells Fargo ( XXXX ) and many phone calls and emails, they have refused to approve the claimseveral times. 


I am reaching out to you because I trusted Wells Fargo and truly believed they would help me. This was not the case. 

I filed a report with FTC ( XXXX ) and I filed with XXXX XXXX SC law enforcement ( case # XXXX ). 

I hope that you can help me, I am XXXX yers old and live on a fixed income. {$1400.00} may not seem like a lot, but it is to me. 

Kind regards, 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
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: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my Equifax credit report I see fraudulent accounts due to the XXXX  Equifax breach where all my personal information was leaked

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 — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Sent a check via XXXX  for the payoff of a vehicle valued at approximately {$23000.00}. Santander received the check on XX/XX/ 2025, and it was signed for by an individual working for the company at an address provided by the company. After not seeing the balance reduced 7-10 days later, I called to verify receipt of the check. According to Santander, no check had been received. Took the information I had and told me to check my online account in a couple of days. A couple of days later, nothing had changed. Call back in and repeat the process. This has repeated 5 times. Each time I'm on hold, the total time going back and forth with reps and hold is 45-60 minutes.

Meanwhile, the supervisor said they would remove and pause the late fees that are accumulating, but they haven't done so. Now the total payoff amount has increased to {$23000.00}, good through XX/XX//2025. Because they have failed to locate the check or pause the payment, there is no way to pay off the total amount due to restrictions on online payments and the types of payment methods they accept. If your payoff total exceeds {$12000.00} and you pay that amount, you must wait 30 days before making another payment. This is so they can accrue interest, in my opinion. Also, it forces you to make a payment via XXXX  mail, which they will then claim they didn't receive. Additionally, they have said that it will take over 30 days to process the title.

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: Experian Information Solutions Inc.
State: FL

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.

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 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: Incorrect information on your report — Account status incorrect
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original company you listed, and was never provided proper notice of this alleged debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( if applicable, the contract I allegedly signed ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses which do not constitute lawful validation. Therefore, the account remains unverified.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
On XX/XX/year>XXXX my online savings account with OpenBank ( via Santander Bank ) was unexpectedly restricted without prior notice after I contacted customer service for a routing number and updated my profile with basic information. The company cited logins from different states as a precaution, escalating the issue on XX/XX/year>, under a reference number. Funds totaling nearly XXXX XXXX were fully accessible until the block but are now inaccessible, causing significant financial hardship. I called customer service on XX/XX/year>, and sent a written request on the same date seeking unblocking and an explanation, but no response or access has been provided as of XX/XX/XXXX XXXX XXXXexceeding 10 business days. I have continued to call daily and am told that it is being handled by the " back office '' which there is no way for me to contact, and nobody has reached out to me for additional information. Online reports suggest similar delays with this company, indicating a potential systemic issue. I request immediate restoration of full access to my funds and a clear explanation for the restriction, per federal laws requiring timely resolution and disclosure of account limitations.

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 — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV FUNDING LLC repeatedly keeps changing the debt amount and creditor on my credit reports. When asked for the original date of debt and creditor, they cite themselves.

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: PA

Complaint narrative:
FTC REPORT NO : XXXX Dear Fraud Department, I have several unauthorized listed inquiries in my credit report. Per legal advice from a colleague, I filed a case with the FTC and I am providing you, the credit reporting agency, the following information to block all unauthorized credit pulls due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 5 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent accounts opened. 

My name is XXXX XXXX XXXX FTC Report Number : XXXX The following list of Fraudulent Inquiries to be blocked from my credit report for Non- Permissible Purpose : NAME OF COMPANIES DATE OF INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TX

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX  is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-09-09 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: NC

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ablity to obtain credit it is my under standing that you will investigate this accountfor me to ensure accuracy here is the account i am asking to verify as accurate. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i am demading an deletion of this account

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: NC

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ablity to obtain credit it is my under standing that you will investigate this accountfor me to ensure accuracy here is the account i am asking to verify as accurate. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i am demading an deletion of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
My Loans have been with Mohela for almost XXXX years now. I am filing a complaint due to continuing to have my loans on hold and not processing my forgiveness, but adding interest to my loans and then automatically trying to push me into the XXXX XXXX that pushes my forgiveness back XXXX  years. I qualify for loan forgiveness I have paid loans for over XXXX years.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
1. We received our annual escrow analysis in XX/XX/scrub> XXXX  that was prepared in XX/XX/year>. This report showed an escrow shortage amount. 
2. We sent in a payment to cover the escrow shortage, as per the instructions stated on the XX/XX/year> escrow analysis report. 
3. The funds were sent in ( by check ), however, they were not applied to our escrow account, instead they were applied to the next mortgage payment due. 
4. We called XXXX to inform them of this error. XXXX said it would take 7 - 10 business days to correct.

5. We called XXXX back after 7 business days for a status of fixing the payment issue. XXXX informed us that it was partially corrected- the payment went to the correct account but the escrow account was now incorrect. XXXX informed us that they needed to recreate the escrow analysis that was generated for XX/XX/year> to fix their system issue. 
6. We specifically discussed what period the " recreation '' would cover, and they told us that will be a re-do of the XX/XX/year>XXXX  escrow analysis only. 
7. To our surprise, we received a new escrow analysis in the mail, for a period of 3 months coinciding with the date the we spoke to XXXX regarding the issue with them incorrectly handling our escrow shortage payment. 
8. Now, they are claiming we owe even more money as an escrow shortage! AT NO TIME DID NOT REQUEST AN INTERIM or NEW ESCROW ANALYSIS TO BE DONE! 
9. We called XXXX to discuss this latest issue. They refused to fix this, an demand payment on the interim, unrequested escrow analysis.

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: Experian Information Solutions Inc.
State: NY

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.

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 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: NJ

Complaint narrative:
Recently I asked for a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax, Experian and Transunion will investigate this account to ensure accuracy, here is the account I am asking you to verify as accurate : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief