vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: DE

Complaint narrative:
I have a judgment from XXXX being handled by Stillman Law Firm. The firm served papers to an old address ( I lived in XXXXXXXX XXXX until XX/XX/year>, then moved to XXXXXXXX XXXX  in XX/XX/year> ), which prevented me from defending myself in court. Since then, they have refused to provide documentation or work with me on a settlement, despite acknowledging my attempts to contact them. XXXX continues to report the account as past due each month even though it is closed and in judgment, which is inaccurate and harming my ability to secure housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

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 2025-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AR

Complaint narrative:
We were looking to refinance our house because the mortgage payment has gotten out of hand. XXXX was the lender that we were given. XXXX was very helpful during the process ( turning in paperwork, communication during the process, etc ). Because Im a XXXX, she even paid for our appraisal! Well, I hope they did anyway? If we end up with a bill, Ill let you know!

After turning in ALL the paperwork, signing all the documents, and the appraisal, the communication was SHUT OFF. No other documents were sent for closing after our appraisal? Was it because our house is worth more than they thought?? We dont know. We wont ever get answers as to where this loan went? They even checked our credit, with lowers our credit, and now we are going to have to get our credit checked again if we want to apply for another and lower it even more! Its not fair!

And this is the SECOND loan that we have tried with Carrington!? The first loan was with XXXX. It didnt go through after the appraisal as well??? But he at least told us that it didnt work out for whatever reason? He never responded back to us after that though. 

Back to the second loan, we werent supposed to pay XXXX mortgage because of this new payment, and now we are having to pay for XXXX and we are still paying the amount that we are having trouble with in the first place! 
We are stuck! We have been trying to contact XXXX AND her manager! We have left numerous voicemails! We have called Carrington numerous times and we just get transferred to different people that transfer us to voicemails.

Is this for real?? What kind of company is this!? And how do we get out of it??! They are fraudulent and we want out! Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently applied to open a business checking account under XXXX XXXX. While I was informed that my application could not be approved, I was not provided with a clear reason for this decision. 

As a business owner, it is important for me to understand the basis of this determination so I can address any issues and ensure that my company remains compliant with all banking and regulatory requirements. I respectfully request a written explanation outlining the specific reason ( s ) why my account could not be opened. 
If additional documentation or clarification is needed on my part, I would be happy to provide it promptly. My intent is to build a transparent and professional banking relationship with Bank of America, and I would appreciate your assistance in helping me resolve this matter. 

Thank you for your time and support. I look forward to your response.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute and demand the removal of inaccurate address information appearing on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

The following addresses are incorrect and should not be associated with me : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXXXXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, NJ XXXX Date Reported XX/XX/XXXX These addresses are not valid for my credit history and are causing confusion and potential harm to my creditworthiness. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report.

I request that TransUnion : Conduct a reasonable reinvestigation of these entries.

Delete the inaccurate addresses from my credit file.

Provide me with an updated copy of my credit report reflecting the corrections.

Please also provide the name, address, and telephone number of each furnisher of information who reported these addresses, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Enclosed are copies of identification and proof of my current address ( e.g., drivers license, utility bill, or lease ) to assist you in verifying my correct information.

Please complete this reinvestigation within 30 days of receipt, as required by the FCRA.

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 2025-09-13 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: GA

Complaint narrative:
I am disputing inaccurate 30-day late payments from XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX XXXX account ( Acct # : XXXX ) reported by Experian. These lates are not reflective of my actual payment history, and I have submitted a formal dispute directly to Experian including documentation and payment records. 

Despite my account being open and active, the re-aged late payments caused a XXXX-point drop in my credit score, which is materially harming my ability to secure business funding.

Under FCRA 611 and 623, this information should be investigated and corrected if it can not be verified with timestamped records. I am requesting that the CFPB intervene and ensure this error is corrected 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 2025-09-13 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: MS

Complaint narrative:
i am requesting my full file disclosures from transunion, equifax, and 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
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Account name XXXX XXXX Account number XXXX Account type Charge Card Responsibility Symphony bank continue to report misinformation on my credit after the account was settled the account was settled in XX/XX/year> and was still reporting every month until XX/XX/year> charge off with XXXX Item was disputed in XX/XX/year> and Experian did not delete the account as per FCRA REGULATIONS 15 USC 1681 Fair Credit Report Act if the information is inaccurate, incomplete and outdated it must be deleted immediately. Experian violated the FCRA by removing the dates. The account need to be deleted 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 2025-09-13 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: PA

Complaint narrative:
Subject : Complaint Against XXXX FCRA Violations for Mixed File and Inaccurate Reporting To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for serious violations of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my XXXX credit file, I discovered it contains multiple names and derogatory accounts that belong to other individuals. This is a classic case of a mixed file, where my personal data has been improperly combined with another consumers records. 

XXXX has therefore violated : 15 U.S.C

. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy of consumer information. 15 U.S.C. 1681i failure to correct and reinvestigate disputed information. 

This inaccurate reporting has caused me significant harm, including negative impacts on my credit, denials of opportunities, and personal distress. 



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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account on XXXX and was told the money I transferred it from b of a that left b of a the next day would take a week to go into my account. I cant not have access to all of my money, so I called b of a and put a stop payment like Citi bank told me to. Citi bank then froze my account so I called and they said they can only unrestrict it with a reference number I will get in the mail in 10 business days. I spoke to a supervisor, this is the only way. So my direct deposit which will come in in 2 days, I wont have access to. its too late to change the account. so now I cant pay my bills or feed myself. this is by far the most ludicrous thing I have ever experienced in my XXXX  years of being alive.

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 2025-09-13 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccurate and damaging entries being reported on my credit file. These errors are not only incorrect but also in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, verifiable, and complete. 

The following items are in dispute : Wrong Address XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX This address does not belong to me and must be removed immediately, as it is misleading and suggests potential identity confusion or misreporting. 

DiscoverCard Account XXXX XXXX XXXX High Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Reported as Charge Off This account is inaccurately reported. The creditor has failed to provide proper validation and verification of this debt, and the manner in which it is being reported is unfairly damaging my credit profile. 

DPT EDXXXX Account # XXXX * High Balance : {$13000.00} Date Opened : XX/XX/XXXX Status : Reported as Charge Off This account reporting is inaccurate and unverifiable. Under FCRA, unverified debts can not remain on my credit report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this hard inquiry. This represents an unauthorized access to my credit file and must be removed immediately. 

These errors are causing severe harm to my creditworthiness and financial well-being. I have attempted to resolve these issues with the credit reporting agencies and furnishers, but they have failed to correct or remove the inaccurate information.

Requested Resolution : Immediate removal of the incorrect address from my credit file. 

Deletion or correction of the XXXX and XXXX XXXX accounts unless the furnishers provide complete, documented, and verifiable proof of validity. 

Removal of the unauthorized inquiry from XXXX XXXX XXXX 

XXXX that all future reporting complies fully with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I made regular monthly payments on my auto loan, often around {$280.00} {$500.00}. Santanders own payment history shows these were coded as system allocated, but the principal balance remained essentially unchanged at about {$16000.00}. In XX/XX/XXXX, I entered bankruptcy and paid Santander in full under the plan, but because earlier payments were misapplied, my balance was overstated. 

When I entered bankruptcy in XX/XX/XXXX, I told my attorney that XXXX claim was inflated because prior payments had not been applied correctly, but no correction was made at that time. Santanders current demand and settlement offer are still based on that inflated balance In XX/XX/XXXX, Santander sent me a settlement offer asking me to pay {$1000.00} and also agree to let them request refunds of GAP, credit insurance, or warranty products and apply those refunds toward a supposed remaining balance. I do not agree with this because I already paid them in full and their claimed balance is the result of billing errors. 

I am requesting a complete payment audit from XXXX XXXX XXXX, correction of my account history to reflect proper application of payments, and confirmation that no further balance is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: TX

Complaint narrative:
I am disputing an inaccurate collection account reported by Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I sent a timely debt validation request to the collector ( XXXX proof of delivery attached, signed XX/XX/XXXX ). 
No validation documents have been provided. Despite this, Experian continues to report the account as verified. 

XXXX  and XXXX  have both deleted or closed this account because it could not be verified. 
Experians reporting is inconsistent, inaccurate, and violates the Fair Credit Reporting Act ( FCRA 609 and 611 ). 

I request immediate deletion of this collection tradeline from my Experian credit file. 

Thank you!

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 2025-09-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing a complaint against SoFi for failing to return funds that were withdrawn from my account without authorization. Despite providing SoFi with clear evidence that these transactions were fraudulent, the company has refused to refund my money. 

Specifically, my account was charged for transactions related to airline tickets and sports betting websites. I did not authorize or initiate these charges, nor do I have any relationship with these merchants. I immediately reported the fraudulent activity to SoFi and submitted documentation supporting my claim. 

Under applicable consumer protection laws and regulations, financial institutions are required to investigate unauthorized transactions and return funds if fraud is confirmed. SoFi has not met these obligations and has withheld my money without justification, leaving me financially harmed. 

I respectfully request that the Consumer Finance [ Bureau/Company ] take action to ensure that SoFi : 1. Returns the full amount of the unauthorized transactions to my account.

2. Provides a clear explanation of why my valid dispute was denied.

3. Implements stronger protections to prevent similar issues for other customers. 

I have attached documentation of the disputed charges and my correspondence with SoFi for your review. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: GA

Complaint narrative:
I was a co-buyer on an auto loan after two months of having the car it was repossessed by the bank for non payment by the borrower. I retrieve the vehicle out of repossession and made all back payments on the vehicle. 100 % or all payments was made by me the co-buyer. Back in XXXX of 2025 my insurance declare the vehicle as a total loss. There was an over payment on the account from my insurance with both parties name on it n not just mines because it was two people listed on the title. Finance company returned the overpayment back only to one person which was the borrower when this is a joint account. I feel like this is a breach in my contract that violates my 50-50 rights as a co-buyer who also shares ownership of this account. I have been in contact with the loan company month ahead of time before before even issued the check but no one wanted to hear me out and they use a policy that they have in place to justify while the check went back to the main borrower which that is not stated within my loan contract. The finance company is very aware of who had possession of the vehicle so it is unacceptable for them to do what they did to me based off their policy. I find it to be illegal and a unfair act with a policy that only favors towards one person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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