vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: LA

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Equifax Experian, Trans Union data breach of all my personal information

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 2025-05-29 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: OH

Complaint narrative:
Experian stated that the company provided further documents to account for the account reporting on my credit report as a charge off. I have not received anything from the company to support the account reporting. I am requesting the account be removed due to not being able to establish permissible purpose according to 1681 ( b ). I am not denying the account being mine. I did open the account however the status of being a charge off is incorrect and the amount that is present is inaccurate. I am requesting a reinvestigation. IRS documentation should be provided to account for this account being labeled as a charge off to show what was charged off. I did not receive any notifications of having a balance with this company. Please get a breakdown of all fees and what the balance consist of that they are stating I owe. If not. Remove this account completely for being unverifiable. account in reference XXXX XXXXXXXX

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Under ucc 1-103, 1-104, 3-104, 3-603a, b, HRJ 192 of XX/XX/XXXX, XXXXand public law 73-10. XX/XX/year> I sent in the bill remittance coupon in the amount of {$3100.00} certified mail to SANTANDER CONSUMER USA. And on XX/XX/year> I sent in a validation letter requesting that they provide proof : 1. validation of the debt 2. Verification of the claim 3. Copy of all contracts between them and myself. Certified mail. 

XX/XX/year> I called SANTANDER CONSUMER USA to confirm that that received both the remittance coupon as pay and the validation of loan letter. and I was told by the customer representative that yes it was received and it will take 5-7 days for it to be applied to my acct. After that communication a few days later I received a bill in the mail without my payment be applied to the acct. And they did not respond to my validation letter. I gave them sometime to respond to the letter however during that time I was receiving collection calls for payment and text threats of repossession. 

I called them back letting them know that a payment was submitted and a validation letter was sent and received. And that they should be providing me with the information that I requested. 

On XX/XX/year> received a text message that my vehicle was assigned for repossession on XX/XX/year> I called them to asked why did they assigned my vehicle for repossession without validating the debt that they claim I have with them. As per the representative they sent out the validation on XX/XX/XXXX and five days later assigned the vehicle for repossession because they needed to verify my address because the address in their system was incorrect and I said my address or information has not changed I have not received any information from them in reference to my validation letter. The representative then told me that she will put the repossession on hold and to call back in 72 hours so that they can have the payment that I sent in escalate so my account can be updated. 
On XX/XX/year> I sent them another letter asking them to please provide me with the information that I requested. 

However on XX/XX/XXXX @ XXXX they repossessed my vehicle without providing me with the information that I requested. And they did not return back the remittance coupon that I sent as payment. And as of today when I checked my mailbox I received a letter from them whiched contained a copied contract between myself and the original creditor ( XXXX XXXX ) which i did not know that my account was sold right after i brought the vehicle and they also sent a unsigned invoice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I had a creditor that sent the account to a collection law firm. I was sent legal documents from the collections law firm XXXX XXXX XXXX XXXX on XX/XX/XXXX. I submitted the documents on Beyond Finances app and also sent the documents via their legal documents email address on the same day. Even before that, I got a lot of solicitation mail from various law firms providing notice of the lawsuit in court and demanding that I employ them for their services. I informed Beyond Finances customer service team on XX/XX/XXXX. They told me to ignore it because it is a common strategy creditors use to get their accounts settled first. They repeated the same message when I contacted them again on XX/XX/XXXX. I was expecting to hear back and assumed that because they have a legal team, the legal team would handle the courts and make appearances in court for me. No one showed up. And the message was the same. Beyond Finance did not make any attempts to reach back to me again in those months or even until today. Their whole point was that all I can do is focus on making my payments on my other accounts and if I can afford to do so make extra payments. I couldnt so the plan was that we would wait for one settled account to be fully paid and then keep negotiating with this creditor. I dont think any of that was done and now there is motion for default judgment. The case has moved forward and Beyond Finance never recommended that I hire an attorney to take care of this situation. They all made it seem like they would handle this business which they failed to do so and now I am dealing with the aftermath by myself. Today, XX/XX/XXXX I contacted their team requesting for a detailed clear written explanation of what it is the legal team does when a client is sued. I also requested a complete detailed account review of my account with them and a revision of their communication and onboarding process. I am still awaiting a reply from them. However, based on the gravity of the situation, I thought it wise to report these shady business practices to the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer 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
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have had a credit balance on my american express card most of the time I have had it it seems.

I have had an over {$1600.00} credit on the card for months. American express is reporting late payments. It is impossible to have a late payment when there is a credit balance.

Amex claims a check for the balance was sent, but acknowledge it was not cashed. They offered to resend the amount but I refused.

They can't have my money and I be late. Those are mutually exclusive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting a {$220.00} charge-off that I was never properly notified of. I requested documentation to validate the charge-off but received no response. 

XXXX XXXX XXXX is reporting a {$250.00} charge-off, but the account appears to have been sold or transferred. I have not received proof of ownership, the original agreement, or account details from them or the collector. 

I request these accounts be removed if proper verification can not be provided under FCRA 611 and FDCPA 809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting a {$220.00} charge-off that I was never properly notified of. I requested documentation to validate the charge-off but received no response. 

XXXX XXXX XXXX is reporting a {$250.00} charge-off, but the account appears to have been sold or transferred. I have not received proof of ownership, the original agreement, or account details from them or the collector. 

I request these accounts be removed if proper verification can not be provided under FCRA 611 and FDCPA 809.

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 2025-05-29 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-05-29 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-05-29 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I did not authorize or give Wells Fargo financial department permission to view my consumer 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was surprised when I was alerted by XXXX along with Experian that XXXX XXXX XXXX added a debt on my credit profile in the amount of {$910.00} for " XXXX. '' Which I've disputed countless of times with other debt buying agencies such as this one. This agency never sent a letter to my home so that I could properly " dispute '' this properly therefore I am demanding that this allege collection is removed from my credit profile immediately. This is my written notification that I do not owe this debt and will not pay one cent towards this debt as I don't OWE it! I am submitting this complaint to obtain your assistance regarding these undermined tactics that these debt agencies and credit reporting agencies do that is totally against the FCRA act. I have attached to my complaint copies from previous debt buyer who tried the same tactic as XXXX XXXX, and once I was able to dispute it properly it was removed. I will not stop at all cost to fight against XXXX XXXX XXXX XXXX XXXX and all XXXX bureaus if this is not removed within the next 30 days.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a mattress from Mattress Firm in XXXX and at the point of payment I was offered an interest free loan to spread the payment over several years. A Synchrony credit card was opened which I have made payments on since then, and never used for any other purpose. 

On XX/XX/XXXX an interest charge of {$3000.00} was made. When I saw this on my statement and called Synchrony ( XXXX on XXXX XX/XX/XXXX ), they informed me that the agreement only remained interest free for two years, after which period this interest is due. I explained that I had been offered interest free terms without this being mentioned, and I never would have accepted the credit had this been made clear. Synchrony Bank refused to offer any refund or record my complaint.

I was misinformed at the point of purchase and this charge should be refunded. I did not need this credit and only accepted it because of the generous terms offered to me, which I now understand did not represent the actual terms.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Complaint Date : XX/XX/year> Company : XXXX Portfolio Services Account Originator : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : Experian, Equifax, XXXX XXXX # XXXX Nature of Complaint I am filing this complaint due to XXXX XXXX XXXX ' continued reporting of a collection account to the credit bureaus that originated with XXXX, XXXX, without providing legally sufficient validation of the debt. Despite my repeated written requests, including a final notice sent on XX/XX/year>, XXXX has failed to provide proof of ownership, a signed agreement, chain of title, or a valid contract bearing my signature. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g, 1681s-2, 1681i, and 1681n. 
Details of Violations XXXX. XXXX has failed to validate the alleged debt after multiple requests, including my final notice mailed on XX/XX/year>. 
XXXX. The documents previously sent by XXXX do not include a signed contract, proof of assignment, or lawful ownership of the alleged debt. 
XXXX. XXXX is willfully furnishing inaccurate and unverifiable information to the credit bureaus in violation of FCRA 1681s-2 ( b ). 
XXXX. I have attached SEC filings which indicate XXXX securitizes its receivables into a trust structure, making legal ownership by XXXX questionable or unverifiable. 
XXXX. XXXX has ignored my right to dispute and demand validation and has not ceased reporting despite lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and i am writing this Complaint because i have been banned from XXXX XXXX  XXXX due to activity that were unauthorized by me making me a victim. I am unaware of these claims and due to this negative chex systems account i am unable to bank with banks and credit unions. This hinders me from growth as a young adult. I need this account investigated and removed so i can bank with banking institutions. Account Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit report agency, block information appearing on my consumer credit report due to the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief