vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Formal Demand for Trade-In Equity & Notice of Deceptive Financing Practices To Whom It May Concern, I am submitting this letter as a formal demand regarding the mishandling of my trade-in equity and the misrepresentation of financing related to my recent vehicle purchase at your dealership. 

From the very first interaction, I made it explicitly clear that I was trading in my vehicle for equity to be paid to me in the form of a check, and that no portion of that equity was to be used as a down payment on my new vehicle. This was communicated repeatedly to sales staff, multiple managers, and the finance department. I was reassured numerous times that I would receive a check within 30 business days, and that the purchase would proceed with zero money down. 

Contrary to these repeated assurances, my trade-in equity was applied as a down payment without my authorization or informed consent, and I have received no check. During the signing process, I was rushed through documents and instructed not to worry about certain paperwork, with verbal explanations that did not accurately reflect how the transaction was later processed. 

Additionally, after I was told the loan had been approved and after I had already signed paperwork, I was contacted and instructed to return to the dealership because the financing was no longer approved. I was forced to cancel personal plans and drive back to the dealership to sign additional paperwork, which ultimately provided no benefit to me. This clearly indicates that the transaction was a conditional or spot delivery, not a finalized sale. 

This transaction involved : Misrepresentation of material terms Deceptive trade practices Improper and unauthorized use of trade-in equity Misleading loan approval and financing practices I am demanding immediate release of my trade-in equity in the form of a check, as was repeatedly agreed upon, or a written proposal to fully correct or unwind the transaction. 

If this matter is not resolved promptly, I will proceed with formal complaints to Kia Corporate, the XXXX XXXX XXXX the Consumer Financial Protection Bureau, and the State Attorney Generals Office. 

Please respond in writing only. 

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to report ongoing inaccuracies in the personal identifying information being maintained on my XXXX  credit report. Despite multiple disputes submitted over a significant period of time, XXXX has failed to correct or remove information that is outdated, inconsistent, and no longer verifiable. 

As of my most recent XXXX report dated XX/XX/XXXX, the following items continue to appear incorrectly : Names Being Reported : XXXX XXXX XXXX XXXX XXXX XXXX name variations are not all my current legal name and are no longer used for identification purposes. 

Addresses Being Reported : XXXX XXXX XXXX  XXXX, Unit XXXX, XXXX, OH XXXX ( reported XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, GA XXXX ( reported XX/XX/XXXX ) These addresses are obsolete and do not reflect my current residence or any active credit relationship. Their continued inclusion creates a risk of file contamination and misattribution of credit information. 

Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i ( Section 611 ), and 1681g ( Section 609 ), XXXX  is required to ensure maximum possible accuracy and to delete or correct information that can not be reasonably verified as current and accurate. Repeatedly confirming outdated data without meaningful verification does not satisfy these obligations.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
on XXXX XXXX i received a call from XXXX XXXX or XXXX that he will be able to help me with my Federal Student Loan he knows all my information including the names of my brother in law and sister in law we did everything over the phone and the last thing he asked me if i have the XXXX, i was desperate for helpi g me liwer the monthly payment i gave him my card number. In the afternoon i called the number he gave me and no response so i called many times and no response so i called CITI bank i spoke to XXXX to put a hold on the transaction i told her this might be a scam she said she will also put a note about. I checked the company name XXXX  it does not exist i dont know how XXXX become XXXX XXXX. i filed for a dispute .To make the story short after 2 months of investigation by CITI bank they said many days had passed the case is closed and responsible to pay the XXXX i called CITI bank and i spoke to a man and he said normally it should take 3 months to investigate so i requested to reopen the case and it did on XX/XX/year> after a few weeks its the same answer i got. so the next tome called CITI bank the lady said the money is in XXXX  XXXX, i called this bank and i spoke to XXXX and her advise to me is to call Citi bank and ask for the account number of the merchant and the trace number, i called CITI bank and i was told they dont have the account and trace numbers. I called again today XX/XX/year> CITI bank they dont have the account number of the merchant.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was on the phone with Bank of America for 1 hour and 32 minutes on XX/XX/year>. I am trying to receive a refund of a total of {$100.00} for 4 months ' maintenance fees of XXXX each. My account was an advanced relationship banking account with a rewards member that was changed to a minimum requirement of XXXX in the account. I was not made aware of this via email, or mail. The 4 charges took place on XXXX, XXXX, XXXX and XXXX. I spoke with 4 people and they would not refund me the the total of XXXX today. I have been a valued customer for over 23 years. I currently have 7 accounts with them including my children 's accounts.

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 monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

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 2025-12-23 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: NY

Complaint narrative:
I have identified discrepancies in my TransUnion credit report and would like these to be investigated. The following accounts are in dispute : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-12-23 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:
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 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 2025-12-23 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am submitting this complaint regarding inconsistent personal identifying information on my consumer credit files. 

My name is reported with different formats across credit bureaus, including inconsistent use of a middle initial. This inconsistency creates a risk of mixed or fragmented credit files and indicates a failure to maintain uniform, accurate identifying data. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

I am requesting correction so that my credit files reflect my name consistently and accurately across all bureaus, and removal of any name variations that can not be verified.

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 2025-12-23 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: IN

Complaint narrative:
I am submitting this complaint regarding inconsistent personal identifying information on my consumer credit files. 

My name is reported with different formats across credit bureaus, including inconsistent use of a middle initial. This inconsistency creates a risk of mixed or fragmented credit files and indicates a failure to maintain uniform, accurate identifying data. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

I am requesting correction so that my credit files reflect my name consistently and accurately across all bureaus, and removal of any name variations that can not be verified.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WESTERN ALLIANCE BANCORPORATION
State: TN

Complaint narrative:
Issue Type : Electronic Fund Transfer / ACH Description : An HOA payment portal operated by Western Alliance Bank modified my recurring ACH auto-draft amount without my authorization. The change was incorrect and would have resulted in an inflated recurring monthly withdrawal and potential duplicate billing. 

I manually corrected the amount before any funds were withdrawn. Other homeowners in the same HOA experienced the same unauthorized modification, including overrides of homeowner-entered corrections. Western Alliance later stated the change was an error. 

I am submitting this complaint for documentation and oversight regarding unauthorized or improperly executed ACH modifications affecting multiple consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENTS REPORTED ARE NOT CORRECT AND DO NOT MATCH MY PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My name is XXXX XXXX and I am a resident in XXXX, KY. Some online scammers impersonate XXXX and requested money for XXXX XXXX. I sent all of my savings ( XXXX ) through mostly cashier checks from Chase bank to two people. ( One is North Carolina and the other is in XXXX XXXX. ) Once I realized they are scammers I reported to Chase bank, FBI and XXXX Police. FBI did not investigate but Police officers contacted Chase bank to investigate and try to recover funds for me. Its been a year but Chase bank never responded to police or myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I have no obligation or relationship with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: CA

Complaint narrative:
I got a problem with XXXX XXXX he stole my {$50.00} and wouldnt give me my {$2100.00} grant he promised me so can you help me get it back please so I am not behind on my very important bills please plus have chime give me my {$50.00} back into my account for not warning me that its permanent when using the feature on the chime app pay anyone is paying people and cant get it my money back through the dispute department when I get scammed like this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CARCO Group, Inc.
State: OH

Complaint narrative:
CFPB Complaint Narrative FCRA 611 CISIVE is a consumer reporting agency that conducted a background check for a position I was offered with XXXX XXXX. Since early XXXX, CISIVE has failed to accurately verify my employment and education and issued an adverse report containing misleading information. 

CISIVE did not notify me of any verification issues and instead reported that one of my prior employments in the XXXX  industry could not be verified, despite this employment being publicly verifiable through readily available sources. 

CISIVE also reported my High School / GED education as adverse after having already verified my university education. Enrollment in a university requires completion of high school or a GED, making this adverse determination illogical and inaccurate. 

XXXX XXXX provided me with three ( 3 ) days to submit supporting documentation, which I provided on XX/XX/year>. CISIVE is in possession of my original credit transcript and forwarded documentation from a verified contact within the Department of Education. Despite receiving this information, CISIVE has failed to correct or update the adverse report. 

Under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation and promptly correct or delete inaccurate or unverifiable information. CISIVE has failed to comply with these statutory obligations despite multiple written and verbal requests ( approximately ten emails and multiple phone calls ). 

There is also a documented pattern of similar complaints against CISIVE on public consumer forums, including XXXX, where individuals report that CISIVE frequently claims educational credentials can not be verified. 

I am requesting that the CFPB require CISIVE to immediately reinvestigate my file, correct or remove the inaccurate adverse findings, and issue a corrected report to XXXX XXXX without delay.

Company response to consumer: Closed with explanation