vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I purchased a used XXXX XXXX from XXXX  XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX, and financed it through Santander Consumer USA. As a recent immigrant with no U.S. credit history, I deliberately chose to finance the vehicle in order to begin building my credit profile. The vehicle cost approximately {$20000.00}, and I made a {$10000.00} downpayment, accepting the 17 % APR as a temporary measure under the assumption that I could refinance once my credit improved a point I raised explicitly during the process and which was never challenged or clarified by the dealership. 

After 6 months of $ 500 monthly payments, Santander still expects over {$20000.00} to pay off the loan effectively pricing the vehicle at well over {$33000.00}, far beyond its original value. I requested clarification and received only a generic payoff letter with no meaningful explanation. 

Reviewing the contract closely revealed a fixed finance charge, but nowhere does it clearly state that interest is fully precomputed or that the full finance charge would still apply even with early repayment. This critical detail is not made obvious and can only be inferred through indirect phrasing and outside research. In a high-pressure dealership environment especially for someone new to U.S. financial systems this type of structure is incredibly difficult to detect or understand during signing. 

This structure was never explained to me. It blocked my ability to refinance, nullified the original purpose of taking the loan, and severely harmed my financial plans. I now face the possibility of selling the vehicle at a substantial loss and covering the difference out-of-pocket while simultaneously trying to afford fertility treatment that is critical for my family. I believe I was misled and financially trapped by a system designed to exploit consumers who lack legal or financial familiarity with U.S. lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Subject : Formal Complaint Inaccurate Personal Information on Credit Reports Demand for Immediate Removal To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX XXXX Complaint Details : I am writing to formally dispute inaccurate personal information being reported by Equifax, Experian, and TransUnion, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 15 U.S.C. 1681i ( failure to properly investigate disputes ).

Inaccurate & Fraudulent Personal Information Requiring Immediate Deletion : The following personal identifying information ( PII ) is incorrect, fabricated, or erroneously associated with my credit file. The credit bureaus have failed to maintain reasonable procedures to ensure accuracy, and I demand the immediate and permanent removal of these entries : Incorrect Name Variation Reported : " XXXX XXXX XXXX '' ( This name is either incorrect or linked to fraudulent/unverified data ). 

Fraudulent/Inaccurate Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported with an impossible future date of XX/XX/XXXX, proving gross negligence in data handling ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported with date XX/XX/XXXX, which is incorrect ).

Fabricated/Incorrect Employers : " XXXX XXXX '' ( Fabricated or erroneous ). 

" XXXX  XXXX XXXX XXXX XXXX XXXX '' ( Incorrectly associated with my file ). 

Legal Violations & Demands : The credit bureaus are willfully violating the FCRA by failing to correct these inaccuracies despite clear evidence of their falsity.

The inclusion of impossible future dates ( XX/XX/XXXX ) proves systemic negligence in data verification.


I have previously disputed these errors directly with the bureaus ( if applicable ), yet they persist. Requested Resolution : I demand that the CFPB : Investigate the credit bureaus for FCRA violations. Require Equifax, Experian, and TransUnion to permanently delete all disputed inaccuracies. Ensure the bureaus conduct a proper reinvestigation and provide me with corrected reports. Hold the bureaus accountable for any damages caused by these inaccuracies. Please provide me with a written response detailing the actions taken. Thank you for your prompt attention to this serious matter.

Sincerely, XXXX 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 2025-06-17 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
Attention : TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : credit card Address : XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX Number : XXXX Account Name : DEPT OF EDUCATION/XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : education Address : XXXX, NE XXXX XXXX : XXXX Account Name : DEPT OF EDUCATIONXXXX Date Filed:XXXX Type of Account : education Address : XXXX, NE XXXX Number:XXXX Account Name : DEPT OF EDUCATION/XXXX Date Filed:XXXX  Address : XXXX, NE XXXX Number:XXXX  Type of Account : education Account Name : DEPT OF EDUCATION/XXXX Date Filed:XXXX Type of Account : education Address : XXXX, NE XXXX Number:XXXX  Account Name : DEPT OF EDUCATION/XXXX  Date Filed:XXXX Type of Account : education Address : XXXX, NE XXXX NumberXXXX Account Name : XXXX XXXX  Date Filed:XXXX Type of Account : Auto loan Address : XXXX XXXX, TX XXXX Number:XXXX Account Name : XXXX XXXX XXXX  Date Filed:XXXX Type of Account : secured loan Address : XXXX  XXXX, MO XXXX Number : XXXX Account Name : XXXX XXXX  Date Filed:XXXX Type of Account : secured loan Address : XXXX, GA XXXX Number : XXXX Account Name : XXXX Date FiledXXXX Type of Account : Federal Government XXXX XXXX XXXX XXXX, DCXXXX

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This debt is being illegally reported on my TransUnion credit report. This debt was removed from my credit report and marked as a closed account and then it was reinserted on my TransUnion credit report An FTC Report was filed and on record that this assumed debt is being illegally reported. 

FTC Report Number XXXX As of XX/XX/year> according to the CFPB medical collections are no longer allowed to appear on credit reports.

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 2025-06-17 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX VA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : 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 2025-06-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law
State: NV

Complaint narrative:
Level one law group. 
To begin I was directed to this company after applying for and being denied a debt resolution loan. Then they took my money and started to pay off some loans. At some point they stopped working on my loans that they said that they were going to settle. They also took on debt that they were not allowed to take on such as a payday loan. I have now been sued by several of these creditors and my monthly payments is over {$1000.00} to try and rectify what they messed up. I'm drowning because of Level One Law

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-17 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A.
State: LA

Complaint narrative:
On or around XX/XX/XXXX, I received a debt collection letter from Scheer , Green & Burke Co., LPA regarding a medical bill for services allegedly provided on XX/XX/XXXX, through XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. 

I never received a bill from XXXX or XXXX XXXX XXXX XXXX directly. I contacted both providers, and they each confirmed that my account reflects a {$0.00} balance and that no amount is owed. 

Despite missing dates on all letters received, on XX/XX/XXXX, I received another collection letter from Scheer, Green & Burke. In response, I sent a second written dispute along with documentation from XXXX showing the bill had been paid in full. Despite this, on XX/XX/XXXX, I received yet another letter from the collection agency claiming I still owed the debt but they failed to provide any validation or supporting documentation. 

This repeated contact after receiving proof that the debt is not valid violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that this continued activity could result in damage to my credit or additional undue stress over a debt that does not exist. I am requesting that the CFPB require the agency to cease all communication and collection efforts regarding this invalid and fully paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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