vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I found myself the victim of a scam that I strongly suspect was initiated by someone affiliated with Fifth Third Bank. The transaction amount in question was a staggering {$2400.00}. This sum, though large, pales in comparison to the emotional distress and financial burden that I later realized was part of a sophisticated scam targeting unsuspecting customers of Fifth Third Bank. 

On that day, as soon as I became aware of the unauthorized charge, I contacted Fifth Third Bank immediately, pleading with them not to process the payment. Despite my urgent request, the bank proceeded with the transaction anyway. I believe this is part of a troubling pattern, as it appears that many customers across the United States have fallen prey to similar deceptive tactics employed by the bank. 

Following this incident, I reached out to the dispute department of Fifth Third Bank on XX/XX/XXXX, hoping for a resolution. However, their response was disheartening ; they offered a vague and unsatisfactory explanation, claiming there was nothing they could do since the amount of {$2400.00} had already been processed ( Case number XXXX ). Since that time, I have been struggling to manage monthly payments, which has been exceedingly difficult for me as I am a doctor over XXXX XXXX XXXX, trying to balance my professional responsibilities and personal health. 

I am now seeking your guidance and support in addressing this serious matter. If no action is taken, I fear these scammers will continue their schemes, exploiting other vulnerable individuals, and depriving them of their hard-earned money. Your assistance in investigating this issue is vitalnot just for my case, but for the protection of others who might fall victim to these insidious frauds. 

I urge you to conduct a thorough investigation into Fifth Third Banks practices and hold them accountable. I am requesting that they immediately credit my account in the amount of {$2400.00} ( currently, I owe {$2300.00} ). This bank appears to be involved in activities that warrant serious scrutiny and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
On XX/XX/year>, I informed XXXX that I would be porting out due to poor network coverage. The customer service representative advised me that my final bill would run through XX/XX/XXXX and that I would have a credit balance once the final bill was generated. ( I have a screenshot from the XXXX notes in T-Mobiles system confirming that I was porting all of my lines ) That same day, I ported my phone lines to AT & XXXX ; however, it appears the free line was not ported. 

For the next year XXXX continued charging my credit card {$90.00} per month for a line I did not use and was originally presented as free. When I discovered these charges, I contacted XXXX, but they refused to issue any credits. 

As a result, my credit card company XXXX XXXX XXXX ) opened a dispute for XXXX months of charges and requested supporting documentation from XXXX. XXXX did not provide any documentation, and XXXX ultimately closed the dispute and finalized the chargeback. 

XXXX then referred the alleged balance to a collection agency, Credence, to collect from me. I have sent multiple written requests to Credence asking for documentation to validate the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: OH

Complaint narrative:
I am disputing the accuracy and completeness of the items listed below. I am requesting a full FCRA reinvestigation because these accounts contain reporting errors and do not reflect accurate information. 

CHARGED OFF XXXX XXXXXXXX, Acct XXXX, Opened XX/XX/year>, Balance XXXX INQUIRIES No inquiries to dispute. 

POSITIVE None reported. 

LATE PAYMENT XXXX XXXX XXXX, Acct XXXX This late payment is inaccurate and must be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please examine all materials ; the questions were received with no warning and might not be sanctioned.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
this new complaint is a follow-up to my previously filed CFPB complaint id # XXXXXXXX the bank did not address the fact they claimed " unable to validate or verify '' ... I have been ( and am still currently ) a bank customer for over XXXX years. the reason given is invalid, I request an exact explanation of what they are " unable to validate or verify '' which in their letter refuse to address. and still hold to my claim that due to my age their internal algorithm is preventing them from issuing to me the requested 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 2025-11-24 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: NY

Complaint narrative:
I am disputing the following accounts reporting on Experian, Equifax, and TransUnion, none of which belong to me. Each account appears under my name but is clearly associated with someone else. 

XXXX XXXX Account # XXXX, reported XXXX XXXX as charge-off. This is NOT mine, I have no knowledge of this account, and it belongs to another individual with the same or similar name. 

XXXX XXXX, Account # XXXX, reported XXXX XXXX. The debts and balances are inconsistent across bureaus : {$7400.00} on TransUnion, {$7300.00} on Experian, not present on Equifax. This account is NOT mine. 

XXXX XXXX XXXX XXXX, Account # XXXX, charge-off status. NOT mine, no knowledge, belongs to someone else with the same or similar name. 

XXXX XXXX XXXX, Account # XXXX, voluntarily surrendered XXXX XXXX. Charge-off status. NOT mine, belongs to another individual.

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 2025-11-24 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensureaccuracy. 
Here is the items I am asking you to verify as accurate Experian : [ XXXX ] [ XXXX ] Equifax : [ XXXX ] [ XXXX ] Transunion : [ 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint regarding an inaccurate account entry on my XXXX  credit report. The account in question is a Wayfair-branded Citibank credit account, which is being reported as having a balance of approximately {$300.00}. 

This information is incorrect. I have contacted Citibank, the issuer of my Wayfair credit card, and they have confirmed that my account has maintained a XXXX balance for nearly a year, following full payment of the balance. I have attached a recent Citibank statement verifying that there is no balance owed. 

Additionally, I have never received any correspondence from the company or entity currently reporting this account as a collection. There have been no letters, emails, or phone calls regarding any alleged debt or outstanding balance. 

As a military spouse residing at XXXX XXXX, XXXX, I am not required to change my home address under the Servicemembers Civil Relief Act ( SCRA ). Therefore, any claim that correspondence was sent but not received is invalid, as I have had no communication whatsoever regarding this matter. 

The inaccurate report of this alleged balance is causing unwarranted harm to my credit reputation. I respectfully request that the CFPB investigate this issue and require XXXX  and the company reporting the account to remove the inaccurate collection entry immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I am attaching supporting documentation to verify the accuracy of my claim. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
This is not a mistaken dispute. My credit report contains multiple tradelines that are inaccurate and not reported with the maximum possible accuracy required by 15 U.S.C. 1681e ( b ). These erroneous entries have persisted despite my efforts to correct them and are causing real, ongoing harm to my credit standing and daily life. You can not lawfully continue to report these inaccurate tradelines as if they were verified facts.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following accounts, inquiries, and late payment information because they appear inaccurate or may not be fully verifiable. 

CHARGED-OFF ACCOUNTS XXXX XXXX XX/XX/XXXX {$300.00} 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

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Deceptive Add-On Sales and Lack of Refund XXXX XXXX XXXX XXXX XXXX FL Dear XXXX, I am filing a complaint against XXXX XXXX XXXX located XXXX XXXX XXXX Florida, regarding unfair and deceptive practices related to add-on products and the withholding of a full refund. 

On XX/XX/2025, I purchased a 2025 XXXX XXXX from this dealer. During the transaction, the dealer refused to negotiate the vehicle price but then offered a tire and wheel service contract ( XXXX ) at a cost of {$780.00}. The dealer subsequently lowered the vehicles price to include this product, which I did not agree to purchase initially. 

I canceled this service contract within the allowed period ( by XX/XX/2025 ) to receive a full refund. I was advised to return to the dealership, which I did, but I have yet to receive my refund despite multiple follow-ups. It has now been over eight weeks since the request, and the dealership has failed to process my refund.

I have the chain of emails and cancellation documentation as evidence of my efforts to resolve this issue. 

This constitutes a violation of federal laws and regulations regarding unfair business practices and undisclosed fees. I request that the CFPB investigate this matter and ensure I receive my full refund and that the dealer ceases such practices. 

Thank you for your attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TSI is falsely reporting on my credit. I have never had any accounts with them. Per my research TSI 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts do not belong to me ; please clear them within 15 days per 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing inaccurate information appearing on my XXXX credit report. Under my rights in the FCRA, please reinvestigate and correct any unverifiable information immediately. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX  This late payment is not being reported accurately. I am requesting verification or deletion if it can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting an urgent dispute regarding multiple charge-off accounts that are reporting on Experian, Equifax, and TransUnion under my name, but none of these accounts belong to me. They are being misreported due to mixed file/wrong person errors and factual inaccuracies, which is a direct violation of FCRA 1681e ( b ) and 611, 607 ( b ), 623. 

XXXX XXXX Account # XXXX, reported XXXX XXXX as charge-off. This account is NOT mine, I never opened it, and it belongs to another individual with the same or similar name. 

XXXX XXXX, Account # XXXX, reported XXXX XXXX. Balances are inconsistent across bureaus : {$7400.00} on TransUnion, {$7300.00} on Experian, and missing on Equifax. This account is NOT mine, and there is no connection to me whatsoever. 

XXXX XXXXXXXX XXXX XXXXXXXX, Account # XXXX, charge-off status. NOT mine, no knowledge, belongs to another individual. 

XXXX XXXX XXXX, Account # XXXX, voluntarily surrendered XXXX XXXX. Charge-off status. NOT mine, belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am a victim of identity theft. My Experian file is reporting XXXX hard inquiries that I did not authorize and for which I never applied : 1 ) Auto Financing ( XXXX XXXX XX/XX/XXXX ) and 2 ) Bank Credit Cards ( XXXX, XX/XX/XXXX ). 
These inquiries are fraudulent and are severely damaging my credit profile. I have contacted the XXXX Police Department and filed an official FTC Identity Theft Affidavit ( documentation will be mailed to Experian ).

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