vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm reaching out to make something very clear. I need full assurance that all the data linked to this account every file, detail, activity log, and personal identifier belongs solely to me. No exceptions. This is important for both my privacy and peace of mind. I'm asking for this certification because I want to be absolutely certain that my personal information is not mixed with anything that doesnt belong to me. I need confirmation that everything on this account is exclusively mine nothing more, nothing less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Subject : Complaint Against Santander Consumer USA Mishandling of Voluntary Repossession and Unfair Practices To Whom It May Concern, I am writing to file a formal complaint against Santander Consumer USA regarding their failure to properly handle a voluntary repossession request and their ongoing pattern of poor customer service. 

On XX/XX/year> at XXXX XXXX  XXXX, I contacted Santander to inform them that we were proceeding with a voluntary repossession of our XXXX XXXX, due to severe mechanical failure. The engine had failed completely, and the vehicle was in the repair shop incurring fees we could not afford. During this call, I also inquired about the ongoing class action lawsuit involving XXXX vehicles related to engine defects. I asked if Santander had any knowledge of this issue or had received similar complaints from other customers. 

Instead of providing assistance or information, the representative hung up on me. This behavior is unacceptable and not the first time I have experienced it with Santander. 

Following the call, I used Santanders online portal to chat with a representative and reiterated the same information. I took screenshots of the entire chat for my records. Despite explaining our situation clearly, I was told to call in again despite the fact that my previous call had already resulted in being hung up on. This response demonstrates a lack of accountability and an unwillingness to assist customers through appropriate channels. 

I emphasized during both interactions that we were seeking : A payoff amount or written documentation of the voluntary repossession to support our claim in the XXXX class action lawsuit. 

Acknowledgment that the vehicle was financed despite known engine issues a failure that Santander may have known about due to prior complaints from other clients. 

Assistance with having this resolved on our credit report given that we were sold what amounts to a lemon vehicle. 

Furthermore, this is not the first issue weve had with Santander. In a previous complaint ( also documented ), I described similar treatment where I was forcibly logged out of the chat portal during a support conversation a clear sign of systemic customer service issues. 

It is my belief that Santander was negligent in financing a vehicle that was known to have serious engine issues and failed to act in good faith when we attempted to resolve the matter responsibly. We are asking the CFPB to investigate this companys practices and ensure they are held accountable for their actions. We request : A formal acknowledgment of the voluntary repossession. 

A statement or breakdown of the total amount owed related to the vehicle. 

Assistance in having this matter resolved and the associated negative reporting removed from our credit report. 

Accountability for Santanders failure to assist and their inappropriate conduct during customer interactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/year> Attempted to use the card to make a purchase online, but has been declined multiple times. No matter what I try to purchase across multiple platforms, the card does not work. Speaking with customer service was unhelpful -- they simply told me to call the stores to see how I can make the card work with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Transworld systems has filed a garnishment order in the amount of {$1900.00} with my employer, misrepresenting themselves as a federal entity to collect on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX for a credit card default. XXXX sold them the debt in 2016, and to my knowledge, this is well past the statute of limitations to collect on debt in Arizona and Washington. 

I wasn't notified about the impending garnishment until XXXX had already processed the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am disputing the charge-off entries listed on my Equifax credit report , specifically the XXXX account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$0.00} and the XXXX  account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a balance of {$0.00}. Both of these accounts show charge-offs with a {$0.00} balance, which is highly unusual and suggests an error in the reporting process. It is unclear why these accounts were marked as charge-offs, especially with a {$0.00} balance, and I suspect that these entries are due to incorrect reporting or a data breach. There has been no clear communication from the creditors regarding these debts or the charge-off statuses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 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: TX

Complaint narrative:
There are several inquiries reported on my TransUnion credit file that I did not authorize or initiate. These include XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. These inquiries are unwarranted and do not reflect any legitimate request or application from me. It is highly likely that these inquiries resulted from a data breach or a clerical error. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681b, inquiries on my credit report must be made with my explicit consent, and these inquiries do not meet the criteria for proper authorization. No explanation or documentation has been provided to me regarding these inquiries, and they negatively impact my credit score and financial reputation.

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2025, XXXX checks, each for {$2000.00}, were made out to me, XXXX XXXX, and deposited in my Bank of America checking account. The checks from XXXX were returned to the sender because of a duplicate deposit. Bank of America told me to redeposit the legal copies of the checks sent to me. Then the money again was taken out, and the person who wrote the checks said he was not credited. I went with him to XXXX  the bank, and we sat there in front of a XXXX bank officer, and they showed me that he was not credited. I went to Bank of America and told them what happened, and then one of the checks appeared in my account at Bank of America. As of today, one of the checks for {$2000.00} is still missing, and both Bank of America and XXXX keep telling me the other bank has it.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express raised my credit card interest rate without bothering to notify me and not giving me option to opt out if I did not accept the increase. 
My credit is good and there was no reason for this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Processing Solutions, LLC
State: IL

Complaint narrative:
I am writing in response to the information provided by PAM ( Professional Account Management ) regarding the alleged debt referenced in my complaint. 

I want to reaffirm my position that this debt has not been properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692g ( b ). I exercised my rights by submitting a timely Debt Validation Letter requesting specific evidence of the debt, including but not limited to : A copy of the original contract or agreement bearing my signature ; A detailed account history showing how the amount claimed was calculated ; The name and address of the original creditor ; Proof that PAM has legal authority to collect on this debt.

To date, PAM has failed to provide sufficient documentation to meet these requirements. The information returned in response to my validation request did not include any original signed agreement or verifiable documentation that establishes a legal obligation on my part. I received all letters all at one time harassing me with the debt in erroneous amounts in the XXXXXXXX XXXX I have no account, contract, or agreement with PAM or the original creditor related to this alleged debt, and therefore I dispute the validity and existence of this claim in full. 
Furthermore, I would like to point out that the dates associated with this alleged debt precede my XXXX XXXX XXXX XXXX which has been fully discharged. As such, any attempt to collect on this debt is in direct violation of the bankruptcy discharge injunction under 11 U.S. Code 524 ( a ) ( 2 ), which prohibits creditors and collectors from pursuing debts that were included in a bankruptcy discharge. This continued collection effort is not only improper, but also a violation of my legal rights under federal bankruptcy law. 

Under the FDCPA, a debt collector must cease collection efforts until a debt has been properly validated. Continued attempts to collect a debt without sufficient proof may constitute a violation of federal law.

Given the lack of proper validation and my documented request for such, I respectfully request that PAM cease all collection efforts and that this matter be closed in my favor. I also request that no negative reporting be made to any credit reporting agency in relation to this alleged debt.

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 2025-04-30 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am filing this formal complaint against Comenity BankXXXX XXXX for inaccurate and misleading reporting of a paid charge-off account, in violation of the Fair Credit Reporting Act ( FCRA ), and for failure by the credit reporting agencies ( XXXX XXXX XXXX XXXX ) to ensure accuracy and completeness of my consumer credit data as required under 1681e ( b ). 
The account in question is listed as COMENITY BANKXXXX XXXX. According to my credit reports, the following inconsistencies and inaccuracies are present : The first delinquency is reported as XX/XX/XXXX, yet the payment history shows charge-offs repeatedly reported for XX/XX/XXXX through XX/XX/XXXX, with no history of payments or delinquencies between those dates. Also date closed is different on each agency reporting this account. This creates confusion and raises concerns about account re-aging or improper reporting. 


The credit reports list XXXX different amounts : a high balance of {$500.00}, a credit limit of {$180.00}, and a charge-off amount of {$170.00}. There is no explanation or breakdown as to how these amounts are calculated or reconciled, which contradicts the requirement for fair and transparent reporting. 


Most importantly, the charge-off amount of {$170.00} was paid in full, yet this is not reflected accurately on my credit reports. It continues to show as a charge-off without any indication that the debt has been resolved. 


I have disputed this matter multiple times directly with XXXX XXXX XXXX XXXX. Each bureau has provided a vague and non-substantive explanation, stating that the date is implied in the payment status history, which does not resolve the core inaccuracies outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX Amount ( {$500.00} ) but cash app took the fee so it was {$490.00}. I reach out to XXXX  about the money was sent to my the wrong account & XXXX  refund me the money XX/XX/XXXX because I made a mistake sent it to the wrong account so I reach out to cash app about it with the claim number from XXXX & sent over documents with the claim number & they saying they never receive it & XXXX refund it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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