vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I purchased a vehicle from Santander XX/XX/2018. My credit score was low and I was a victim of high pressure tactics to sign for the vehicle. Santander used the tactics of a predatory lender. I was told if I didn't sign with them, no one else would finance me. The interest rate was more than 15 %. I was unable to afford the vehicle due to the high interest rate. Which resulted in a repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am submitting this statement to dispute inaccurate information reported on my credit file. Below is a detailed list of the accounts I am disputing, separated by credit bureau. I kindly request that these items be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of these accounts are inaccurate, I request that they be updated or removed. 
Charged-Off Accounts : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: GA

Complaint narrative:
On XX/XX/year>, I booked what was listed on XXXX as a two-bedroom rental near XXXX XXXX ( XXXX, FL ) for four adults and one child. Upon arrival, it was clearly not as described only one real bedroom existed, and the second bedroom was a converted common area connected to the kitchen with no door or privacy. This violates Florida XXXX XXXX XXXX, which defines the requirements for a legal bedroom. 
I contacted XXXX and the host immediately. The host first agreed to a refund if nothing was used ( I complied ), but after XXXX intervened, he reversed his decision. XXXX then denied any refund, citing the hosts cancellation policy, even though this was not a guest cancellation but a failure to provide the service as advertised under XXXX XXXX and Refund Policy. 
After I persisted, XXXX finally offered a {$200.00} one-time courtesy payment ( after previously saying no refund would be given ). I made clear this is not a final resolution, and I reserve my right to pursue a full refund through Klarna. 
This situation constitutes deceptive business practices under Section 5 of the FTC Act ( 15 U.S.C. 45 ) and the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ). I was misled, left without proper lodging, and denied fair resolution. Im requesting a full refund and a review of XXXX handling for consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX. Tx. XXXX SSN : XXXX BOD : XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Information on Credit Report Dear Experian Team, I am writing to formally dispute inaccurate information reported by your agency that appears on my credit report. I have identified late payment entries related to my XXXX account that are not reflected in my Equifax and TransUnion reports. 

Despite having previously submitted disputes through the CFPB, and your claim that the information was " verified, '' I still believe these entries to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ), I have the right to request verification of the accuracy of the reported information. Furthermore, Section 611 ( a ) states that when a dispute is submitted, the agency must investigate and provide results within a reasonable timeframe. 

Details of the Dispute : -Affirm Account Number : XXXX -Late Payment Dates : XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX The late payments reported by Experian do not appear on my Equifax or TransUnion reports, indicating inconsistencies that can not be overlooked. I have maintained a consistent payment history, and these entries are inaccurate and harmful to my credit profile. 

I request a thorough review of this dispute and that you provide me with concrete evidence of the validity of these late payments. If you can not provide such documentation, I expect these entries to be removed from my report. 

Thank you for your attention to this matter, and I look forward to a prompt and satisfactory response. If you require any additional information from me to facilitate this investigation, please do not hesitate to contact me. 

Thank you for your assistance. 

Sincerely, 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: InDebted Corporation
State: FL

Complaint narrative:
Dear XXXX XXXX also known as XXXX. I am responding to your phone call on XX/XX/year> as well as your constant emails regarding the collection of an alleged debt. This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 3. A copy of the original signed agreement or contract showing that I am legally obligated to pay the debt. 4. Proof that your agency is authorized to collect this debt in my state. 5. Documentation that this debt has not passed the statute of limitations for collection. Until you provide the requested validation, please cease all collection activities and communication regarding this matter, including reporting this debt to any credit reporting agencies. If you can not provide the requested documentation, please confirm in writing that the debt has been removed from your records and that no further collection efforts will be made. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [XX/XX/XXXX ] Account Number : [ 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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
Shortly after the mortgage servicing transfer from XXXX to Freedom Mortgage, I attempted to make my usual payment online, but the site showed {$0.00} due ( Ive been a few months ahead for years ) and the system would not let me make a payment unless I selected a principle only option. I did so and message the company through their portal of the issue. I received an instant, we got your message, well respond soon automated reply in portal. Shortly after, my message was marked resolved, although I never heard a thing from anyone. I DO have screenshots. I also relayed all of this to a representative who called for a welcome call within a few months of servicing transfer. He said he would have his XXXX review and call me back within the week. 
To date, I have not received any communication and my mortgage ( which was several months ahead ) now shows as a few days late.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is continuing to report a {$0.00} balance collection account on all three credit bureaus ( Experian, Equifax, and TransUnion ). This reporting is inaccurate, outdated, and misleading. The account is being shown as both a collection and paid charge-off, which violates XXXX XXXX XXXX account balance and status codes must be consistent and accurately reflect the account condition.

Despite multiple disputes, neither XXXX  XXXX XXXX nor the credit bureaus have provided any written verification, final statements, or accounting records to support the classification of this account as a collection. Simply marking the account verified without documentation is not compliance its hearsay reporting. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), the credit bureaus must maintain the maximum possible accuracy of all information reported. Under 611 ( a ), both the furnisher and the bureaus must reinvestigate and provide verification. None of that has occurred. XXXX XXXX XXXX is knowingly allowing false information to remain on a consumers report, which constitutes willful noncompliance under FCRA 616617. This type of inaccurate reporting directly impacts creditworthiness, lending opportunities, and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is continuing to report a {$0.00} balance collection account on all three credit bureaus ( Experian, Equifax, and TransUnion ). This reporting is inaccurate, outdated, and misleading. The account is being shown as both a collection and paid charge-off, which violates XXXX XXXX XXXX account balance and status codes must be consistent and accurately reflect the account condition.

Despite multiple disputes, neither XXXX  XXXX XXXX nor the credit bureaus have provided any written verification, final statements, or accounting records to support the classification of this account as a collection. Simply marking the account verified without documentation is not compliance its hearsay reporting. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), the credit bureaus must maintain the maximum possible accuracy of all information reported. Under 611 ( a ), both the furnisher and the bureaus must reinvestigate and provide verification. None of that has occurred. XXXX XXXX XXXX is knowingly allowing false information to remain on a consumers report, which constitutes willful noncompliance under FCRA 616617. This type of inaccurate reporting directly impacts creditworthiness, lending opportunities, and financial stability.

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 2025-11-10 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete.

Below are the details of the account in question XXXX XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX Reported Balance : {$1400.00} According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.

If your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file. 
Please provide me with the results of your investigation, including : XXXX. The name and address of the creditor who verified the account ; XXXX. Documentation used to confirm the accuracy of the reported information ; and XXXX. Written confirmation once any necessary corrections have been made. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an alleged debt in the amount of {$1400.00} being reported or collected by Midland Credit Management ( or its affiliate, XXXX XXXX XXXX XXXX ). I have no knowledge or record of this account, and I never opened, authorized, or benefited from it. This appears to be another fraudulent account connected to a documented case of identity theft that began in 2016. 



Details : My identity and personal information were stolen in 2016, including my Social Security number and drivers license. 
Since then, several fraudulent accounts have been opened in my name, many of which other companies have already confirmed as identity theft and deleted from my credit reports. 
Midland Credit and XXXX XXXX XXXX XXXX have repeatedly reported or purchased fraudulent accounts under my name, including multiple accounts supposedly originated through XXXX XXXX Bank or related issuers. 
I have never received, used, or applied for any credit card associated with this company or any alleged original creditor tied to this debt. 

I have already submitted an FTC Identity Theft Report and police report documenting this theft. These were included in previous CFPB case filings with similar fraudulent accounts from this same company. 



Violations & Concerns : Midland Credit is attempting to collect or report debts without verifying legitimate consumer authorization, violating the Fair Credit Reporting Act ( FCRA XXXX ) and Fair Debt Collection Practices Act ( FDCPA XXXX ). 
The company relies solely on unverified seller data and refuses to provide signed applications, transaction records, or any credible evidence linking me to the alleged account. 
Continued reporting or collection of this debt after receiving formal notice of identity theft constitutes willful noncompliance under FCRA XXXX. 



Requested Resolution : XXXX. Cease all collection and reporting of this alleged {$1400.00} account. 
XXXX. Provide complete account-level documentation ( application, signature, IP address, payment source, and date of origination ). 
XXXX. If unable to verify, permanently delete this account from all credit bureaus and internal systems. 
XXXX. Prohibit future sale or transfer of any fraudulent debts tied to my name or Social Security number. 



Attachments ( to be uploaded ) : FTC Identity Theft Report Statement : I respectfully request a full investigation and removal of this fraudulent account. This is XXXX of several false accounts linked to the same company following my documented identity theft. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
appoximately on XX/XX/XXXX chase bank closed my accounts. 
i called several times to resume this. they told me little. but then said it was because i cashed my friends check. they then said they needed to validate the check. after that, they still held all the funds because, I had withrew XX/XX/XXXX in a cashier check that day for a car at the XXXX XXXX branch and then immediatly put it back into the account. The person I was on the pgone with re the car said he would on ly take cash. so I said im putting this back. i spelled his name wrong so they cant validate it and they wont refund my money. the amount is XXXX

Company response to consumer: Closed with non-monetary relief