vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I made a cash deposit of {$1600.00} at a Citizens Bank ATM located in XXXX, NJ XXXX XXXX on Monday, XX/XX/year>, at XXXX XXXX. The machine went out of service right after I inserted the money. The ATM did not credit my account and did not return the cash.

I do not have a receipt because the machine stopped working and did not print one.

I immediately called Citizens Bank twice that day. Both times, they told me someone would contact me, but no one ever called back. 

The next day, Tuesday, XX/XX/year>, I went to the bank in person and they opened a claim for me. However, it has now been 9 days, and I have received no updates no email, no letter, and no refund.

I urgently need this money, and this delay is severely affecting my financial situation. I also called customer service again but got no clear answer or timeline. 

I am requesting that Citizens Bank escalate this case and resolve it as soon as possible. I have the ATM number, exact time of the deposit, and all details if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MS

Complaint narrative:
On my record is a simple assault charge from XXXX of 2019, it shows as pending. This is completely inaccurate as I have already been to court on XX/XX/XXXX of 2019. The charges were dismissed. I have documents to show this to be the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite previous efforts, inaccurate accounts continue to appear on my credit report, and they have yet to be removed. I respectfully request a thorough review of the documents Ive attached so I can finally have peace of mind.

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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-08-06 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: TX

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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I entered into a vehicle purchase contract with XXXX XXXX XXXX in XX/XX/XXXX for a XXXX XXXX XXXX XXXX. The contract financed {$28000.00} with an APR of 24.63 % and a finance charge of {$27000.00} doubling the vehicle cost. I was not offered competitive rates, and the true cost was obscured in " simple interest '' language. I now owe {$19000.00}, but the buyout is quoted as {$20000.00} with no clear reason. I believe I was subject to predatory lending and deceptive financing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains significant inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are severely impacting my life, both emotionally and financially, and this situation is unacceptable.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I am writing to formally dispute the * * late payments * * reported on my account with * * Paramount Mortgage open date XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a account with Citibank for my job and deposited {$20.00} XX/XX/XXXX got my card in mail deposited {$20.00} tried using my card but kept declining so I called customer service and was told that my account was in review for XXXX hours and they couldnt give me information about it I called every day still cant use my card they wont release my funds

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX : Home Improvement Financing / Sales Misrepresentation Date of Incident : XX/XX/year> Present Complaint Summary : On XX/XX/year>, a XXXX XXXX XXXX XXXX XXXXepresentative visited my home to sell a water filtration system. I was told the system would provide clean, mineral-enhanced drinking water and was offered a discounted price as part of a promotion. The representative presented me with documents that were described as an application for financing, but not a binding purchase agreement. Based on these representations, I signed. 

Installation was attempted on XX/XX/year>, but was never completed. The mineralization componenta key part of the systemwas never delivered or installed. Furthermore, the installation resulted in code violations and structural damage to my home, as confirmed by a local building inspector, who failed the inspection and issued an official notice of violations to XXXX XXXX XXXX XXXX. 

Despite being notified of the issues by the inspector, XXXX XXXX XXXX XXXX failed to respond for over two months. When they eventually replied, they did not acknowledge responsibility and offered only to send a different inspector, ignoring the damage and failures documented by the official report. 

I have been left with a non-functional, incomplete product, structural damage to my home, and am now facing financial obligations for a useless system that was misrepresented to me. This is a clear case of fraudulent sales practices, deceptive financing procedures, and breach of contract. 

I have emails, photographs, inspection reports, and signed documents to support my claims.

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 2025-08-06 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: TN

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because Experian has failed to remove multiple inaccurate and unauthorized items from my credit report, even after several rounds of formal disputes. This is now my fourth attempt to have these issues corrected, and Experian continues to verify information that is either entirely false or can not be properly substantiated.

First, Experian is reporting two addresses that I have never lived at, never used on any applications, and have no connection to. These are : XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Despite previous disputes, Experian has not removed these incorrect addresses. This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires credit reporting agencies to use reasonable procedures to assure maximum possible accuracy. These addresses are completely inaccurate and are damaging to my credit profile by misrepresenting my identity and residence history.

Additionally, there are four unauthorized hard inquiries listed on my Experian credit report that I did not authorize and was not made aware of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for any credit or service that would have permitted these companies to access my credit file on those dates. These inquiries were made without my knowledge or consent, which is a violation of FCRA 604 ( a ) ( 3 ), requiring all inquiries to be made only with a permissible purpose and proper authorization. I have asked Experian to investigate and remove these inquiries, but they continue to remain on my report without any proof of consent or documentation being provided.

Experians repeated failure to conduct a proper reinvestigation, as required by FCRA 611, and the continued reporting of false addresses and unauthorized inquiries, is harming my credit score and affecting my ability to qualify for credit. They have not responded with any verification evidence or shown any effort to properly resolve the matter. I feel ignored and frustrated.

I am requesting the CFPBs assistance in ensuring that Experian complies with federal law by removing the inaccurate addresses and unauthorized inquiries from my credit report. I also request that Experian be required to provide documentation proving that I authorized these itemsif they can not, they must be permanently removed.

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 2025-08-06 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 -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

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 2025-08-06 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: TN

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I am submitting a formal complaint against Western Funding regarding their handling of my auto loan and the repossession of my vehicle. 

I financed a vehicle through Western Funding and made regular payments. At one point, the loan showed up on my credit report as paid off, causing confusion about the account status. I contacted the lender for clarification, but my calls were constantly redirected to the dealership instead of being resolved directly. They sold me a car and pressured me to get it inspected, but was trying to force me to pick up representative from the car lot. 

While I was actively trying to seek legal help and understand my account, the vehicle was repossessed. Although I had received a general warning, I was in the process of resolving the issue in good faith. No clear explanation of balance due was provided, and I was never given a breakdown of fees, loan payoff details, or proper notice of repossession. 

I believe this may have been an unfair or unlawful repossession. I am seeking a full refund of the payments I made, as well as removal of any negative information from my credit report. 

I respectfully request that the CFPB investigate Western Fundings practices and assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( XXXX ) 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 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