vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this complaint to request CFPB assistance regarding multiple inaccurate items being reported on my consumer credit file. Despite my efforts to maintain accurate credit reporting, the following information appears incorrect and requires immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ).

1. Incorrect Personal Information Wrong Addresses The following addresses are not mine. I have no knowledge of these addresses, and they are inaccurately associated with my credit file. I am requesting complete deletion of these addresses : XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX. Accounts Reported as Charge-Offs/ Collections Not My Accounts The accounts listed below are being reported as charge-offs or collections. I have no knowledge of these accounts, and I do not recognize them as mine. I am requesting that these accounts be fully investigated and deleted or corrected if they can not be verified as belonging to me : XXXX XXXX XXXX  Charge Off High Balance : {$8200.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX  Charge Off High Balance : {$1500.00} | Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off High Balance : {$1100.00} | Date Opened : XX/XX/XXXX XXXX  XXXX * Charge Off High Balance : {$0.00} | Date Opened : XX/XX/XXXX XXXX  XXXX * Collection High Balance : {$1600.00} | Date Opened : XX/XX/XXXX XXXX. Incorrect Late Payment Reporting The following account ( s ) are being reported with late payments, which is inaccurate. I have never made a late payment on these accounts, and the payment history being reported is incorrect. I am requesting correction of the inaccurate payment history, not deletion of the accounts : XXXX XXXX XXXX XXXX  High Balance : {$1100.00} | Date Opened : XX/XX/XXXX Late Payment reported XXXX XXXX XXXX XXXX  High Balance : {$710.00} | Date Opened : XX/XX/XXXX Late Payment reported XXXX. Unauthorized Credit Inquiry The following inquiry appears on my credit report without my authorization or knowledge. I am requesting verification of permissible purpose or removal of this inquiry : XXXX Inquiry dated XX/XX/XXXX Request for CFPB Assistance I am requesting that the CFPB ensure the credit reporting agencies and furnishers : Conduct a proper and complete investigation into each disputed item Delete or correct any information that can not be verified as accurate Update my credit file to reflect only accurate and verifiable information, as required by the FCRA Please provide written confirmation of the investigation results and any corrections made. 

Thank you for your assistance in resolving these inaccuracies.

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 2025-12-16 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: CA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I was shopping at XXXX XXXX XXXX for shinguard for my son before his soccer practice On XX/XX/year>. I came straight from work where I spend XXXX hours talking to patients and reviewing charts on the computer, so I will admit I was a little mentally drained. I was also running late to his soccer practice so I was not on my most alert state. As I was checking out, the cashier asked me if I would like to get a {$30.00} credit at my next visit. I replied sure. She said all you have to do is answer XXXX questions. I said XXXX questions for {$30.00}, no problem lets do it. She confirmed that this was only for a {$30.00} credit. At no point that she mentioned credit card in these sequence chronologically. At no point was I led to believe that I was applying for a credit card. The first clue shouldve been that I was asked for my Social Security. Then again I dont know that I am applying for a credit card so it did not register. She said this was for a promotion, so I figured theyre just getting a customer financial survey. After I was done, then I was informed that my credit card has been approved. I was left dumbfounded. Im not going to argue in public. So I picked up my stuff and I left. When I got home, I told my wife about this. She replied that she has dealt with the same person and experienced the same fraudulent attempt of trying to get her to file for a credit card.

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am the confirmed successor in interest on the mortgage through Wells-Fargo . My XXXX XXXX ( IL ) property taxes are due today, XX/XX/year>. According to the XXXX XXXX XXXX 's website, the property taxes have not yet been paid. I contacted Wells-Fargo Home Mortgage to inquire when the Property Taxes will be paid and their representative refused to provide the payment date.

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I recently discovered a fraudulent account on my credit report that do not belong to me. This situation is very stressful and I believe I am a victim of identity theft under the Fair Credit Reporting Act. This fraudulent information must be removed within four business days. I am respectfully requesting your assistance in deleting these items as quickly as possible. This fraudulent, inaccurate and false information consist of an account that was opened or made without my authorization. The following account is fraudulent and needs to be removed from my credit report : SANTANDER CONSUMER USA opened on XXXX XXXX balance {$34000.00} XXXX. There are also fraudulent addresses that I do not recognize and was not authorized by me with : XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX TX XXXX This fraudulent account has resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts and addresses 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, employer, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUS GLOBAL SOLUTION is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTION is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARVANT FINANCIAL LLC
State: PA

Complaint narrative:
I am disputing inaccurate credit reporting by Carvant Financial related to a vehicle loan originated in XX/XX/XXXX. 

Within approximately XXXX  days of taking possession of the vehicle, it experienced severe mechanical, electrical, and safety failures. The vehicle was non-operational for extended periods and had multiple documented system faults, recalls, and diagnostic failures, including communication failures across critical modules. I repeatedly notified Carvant Financial in writing beginning XX/XX/XXXX, during the warranty period, that the vehicle was defective and unsafe to operate. 

I made multiple good-faith attempts to obtain warranty repairs and resolution. These efforts were obstructed by delays, unavailable mechanics, and expiration of the warranty without repairs being completed. I also paid out-of-pocket for repairs during the warranty window. 

Despite documented notice of defects, Carvant Financial did not properly investigate or resolve the issue. The vehicle was ultimately surrendered/recovered due to the unresolved defects and resulting financial hardship. 

Carvant Financial is now reporting a charged-off balance of approximately $ XXXX, which is inaccurate and disputed. The amount and account status do not reflect the defective condition of the vehicle, the warranty breach, or my documented dispute efforts. 

I have extensive written correspondence, diagnostic reports, service records, and proof of notification showing that the vehicle defects existed prior to default and that I sought resolution before any repossession activity. 

I am requesting correction or removal of the inaccurate balance and account status and a full investigation into Carvant Financials reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. A collection account is reporting incorrect account status an or/ balance. The information has not properly verified. I am requesting a full investigation and correction or removal of this inaccurate information under the Fair Credit Reporting Act

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I would like to provide an update regarding my complaint.

Since receiving the acknowledgment email from Bank of America Regulatory Complaints, I have attempted to contact the assigned Resolution SpecialisXXXX, XXXX XXXX XXXX, at the provided direct number ( XXXX, extension XXXX ). 

I have called every day for more than three weeks, often for multiple hours per day, during the stated business hours. Despite these repeated attempts, no one has answered my calls, and I have not received any return call, voicemail response, or follow-up communication. 

I also sent a written message requesting a callback and provided multiple contact methods, but I have received no response at all.

At this point, Bank of America has effectively failed to engage in the resolution process, even after acknowledging my regulatory complaint and assigning a Resolution Specialist. My account remains restricted, and I am still denied access to my funds. 

I respectfully request CFPB assistance to require Bank of America to respond, make direct contact, and provide a reasonable resolution, including an alternative identity verification method that does not require travel to the United States.

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 2025-12-16 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello I have been trying to get back into business with a citizens account as my employer uses you guys and makes it much easier for me with paper checks to have a bank with you guys. I had some past banking historys but I have banked with you guys before and never owed you any money I would like to speak with someone again somehow about being reconsidered. Even if XXXX cant open a checking a basic savings account would be great. 
I would love to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

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 2025-12-16 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: GA

Complaint narrative:
I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below. 

The following accounts have been opened fraudulently in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I purchased an XXXX XXXX XXXX using my XXXX Citi credit card, which includes an extended warranty benefit. I filed a warranty claim around XXXX. I have submitted all requested documentation multiple times, including itemized receipt, photos, and XXXX confirmation that the TV requires repair. 

The claims administrator ( XXXX  ) has repeatedly marked documents as missing without explanation and has not responded to emails or portal messages. Phone support was unable to explain what was outstanding. As a result, the extended warranty benefit advertised by Citi is not being honored in practice. 

I am requesting Citis executive review and prompt resolution of this claim.

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 2025-12-16 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I purchased items from a company called XXXX  for my husband for XXXX. However, the company input my address incorrectly and shipped my items to the wrong address. I attempted initially to reach out to the carrier ( XXXX ) to either to a package hold at a nearby facility or to do an address change. They told me due to the type of shipping that it was ( ground shipping ) that it had to be changed by the vendor. Then I reached out to the Vendor ( XXXX  ) they told me that it could not be changed because there was a shipping label already created and that basically I had no choice but hope that wherever it ended up being delivered, ended up sending it back so I could be refunded. This is unacceptable as the mistake was on their end! The Payment in total was for {$100.00} but they drafted it as XXXX seperate payments ( {$63.00} ) and ( {$39.00} ). As I will not get my Items I would just like my money back. I have already sent proof of my purchases through the disput center and Navy Federal constantly sends emails claiming they didnt receive them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 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: WA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I routinely review my credit report because my credit score is important to me, and I continue to find multiple accounts being reported inaccurately and falsely. This has been an ongoing issue that has not been corrected despite repeated attempts to have it addressed. The persistence of these errors has been exhausting, highly stressful, and has unfairly impacted both my daily life and my credit score.

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