vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
So my XXXX XXXXXXXX XXXX was repossessed the day before it was possessed. They called me and said I owed like {$1300.00}. I explained I had XXXX and I would need XXXX weeks to pay the other XXXX they would not work with me so the next day, my car got repossessed when I wasnt home and the company did damage to my car. I couldve sold my car for more than it was worth at the time and I had about {$9000.00} in equipment inside of the car that disappeared. They try to make a claim on my insurance for their damage. My insurance company denied it so now they want me to pay like {$9800.00} or something and saying they only got about XXXX XXXX  for my car realistically, they shouldve worked with me because I had more than XXXX of the money at that time and my property was robbed in. It were not returned to me very expensive stuff now theyre saying I owe this money when in reality they owe me money.

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 2025-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
OpenBank ( Subsidiary of Santander Bank ) High Yield Savings Account - opened on XX/XX/year> ACH transfer from XXXX  XXXX XXXX to Open Bank - XX/XX/year> - {$51000.00} Account BLOCKED - XX/XX/year> - no notice via email, postal or telephone Summary of Communications Friday, XX/XX/year> - -- -- -- -- -- -- -- -- -- -- - OpenBank App Checked website/app and saw that account was Blocked Called Open Bank - XXXX  said there was a claim pending by XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Called XXXX XXXX XXXX XXXX  Said there was no indication of a claim pending by XXXX XXXX XXXXXXXX XXXX 
Called OpenBank XXXX- would send a form to persons in charge in the back office and to call back in 3 business days. 

Wednesday, XX/XX/year> -- -- -- -- -- -- -- -- -- -- Called Open Bank - XXXX - Account was still blocked I asked to speak to someone else who was in charge of this for more clarity. 
Transferred call to XXXX ( XXXX  XXXX  ) - suggested that I call XXXX XXXX XXXX  and get something in writing indicating that XXXX XXXX XXXX has no record of a claim. 
Called XXXX  XXXX XXXX Rep : XXXX from XXXX  Asked for letter stating that there was No Claim Pending she said she couldnt do that. 

Thursday, XX/XX/year> -- -- -- -- -- -- -- -- -- -- -- -- Made an in-person appointment with XXXX XXXX XXXXXXXX bank officer in XXXX XXXX  XXXX XXXX XXXX She spoke to someone who was going to send a document re : the ACH transfer of funds XXXX -- -- -- -- -- -- -- -- -- -- -- -- Recd the XXXX XXXX XXXX document confirming completion of ACH ( attached ) Monday, XX/XX/year> -- -- -- -- -- -- -- -- -- -- -- -- Called OpenBank XXXX. Transferred me to the special team. 
XXXX said there was a special fraud investigation and that he was not privy to the details of that investigation. He said that things needed to be verified. Told me to call back in three business days. 
Sent XXXX via email a copy of the XXXX  XXXX XXXX document confirming that the XX/XX/year> XXXX funds transfer from XXXX  XXXX XXXX to Open Bank ( Santander ) went through. 

Monday, XX/XX/year> -- -- -- -- -- -- -- -- -- -- -- -- Called OpenBank  XXXX- told me that XXXX was incorrect when he said to call back in 3 days... he should have said 5 days and since there was a national holiday it was actually 6 days. 
He had nothing to add and would not transfer me to anyone else to help me. 

Told me to call back on Wednesday, XX/XX/year>

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 2025-11-17 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: FL

Complaint narrative:
To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX and credit reporting agencies for willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), regarding the inaccurate and illegally re-aged reporting of account XXXXXXXX XXXX XXXX XXXX XXXX 

1. Illegal Re-Aging & False High Balance Reporting The account was closed and charged off in XXXX, yet TransUnion reports a High Balance of {$31000.00} from XXXX. 
This is chronologically impossible and constitutes intentional manipulation in violation of : FCRA 1681e ( b ) ( maximum accuracy ) FCRA 1681s-2 ( b ) ( furnisher duty to report accurate, verifiable data ) 2. Contradictory Balances Across CRAs TransUnion reports {$14000.00}, while Experian reports {$13000.00}.

This inconsistency demonstrates unverified, unreliable data requiring immediate removal under FCRA 1681i.

3. Reporting Activity After Account Closure The account closed XX/XX/XXXX, yet activity is reported through XXXX, including updated balances and pay status. 
This is false reporting and unlawful re-aging.

4. Missing Legally Required Validation Under FDCPA 809 ( b ), the creditor must provide documentation validating the debt.

No original contract, payment history, or charge-off details have been provided.

5. Inaccurate Terms ( {$0.00} per month ) Reporting Terms : {$0.00} per month for a 75-month auto loan is factually incorrect and violates FCRA accuracy standards.

Requested Resolution ( Legal Demand ) I demand the immediate removal of this account from all bureaus due to : Illegal re-aging Contradictory balances False and impossible activity reporting Lack of debt validation Failure to meet accuracy and reinvestigation standards This account is not verifiable, not accurate, and legally can not remain on my credit reports. 

Thank you for your prompt action.

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 2025-11-17 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: TX

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 explanation
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX- Account number : XXXX XXXX- Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX- Inquired on XX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX- Account number : 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 2025-11-17 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$340.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WI

Complaint narrative:
A debt buyer is reporting a broken lease that never occurred, using a false XXXX open date to re age a XXXX issue. I have written proof from the apartment that I was not supposed to be charged these fees, and the apartments own ledger shows billing errors, including accidentally adding my deposit instead of subtracting it. The reporting is inaccurate and violates FCRA 623 ( a ) ( 5 ) and the reasonable reinvestigation requirement. 

Details : Columbia Debt Recovery is reporting a collection account associated with XXXX XXXX XXXX XXXX on my XXXX  credit report. The account shows an opened date of XX/XX/XXXX, although I moved out in XX/XX/XXXX. This is impossible and is a clear case of illegal re aging. 

The underlying charges being reported are also inaccurate : I have written communication from the property manager stating that I would not be charged a broken lease or related fees due to ongoing maintenance issues during my tenancy. 
Despite this, the apartment still billed those exact charges, contradicting their own written statements. 
The apartments ledger mistakenly added my security deposit instead of subtracting it, inflating the alleged balance. 
These errors were passed to the debt buyer and are now being reported as valid debt. 

I disputed the account with debt buyer and XXXX. 
XXXX  still marked the item as meets FCRA requirements. 

I am suffering great harm as I am actively being denied housing due to these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$3300.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$480.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX 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 explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
As pert the guidance from the Consumer Financial Protection Bureau CFPB the documents needed are picture ID a bill and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-11-17 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: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  XXXX XXXX which was opened on XX/XX/year>, has now reached the XXXX  year reporting period and should fall off my credit now, I have tried to dispute this account and they continue to report on it, Please have them remove immediately as it is damaging to try and purchase a home for my daughter and I.

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 2025-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I agreed to re-amortize my loan with SoFi and they told me I would avoid negative credit reporting if I paid the next payment due on XX/XX/XXXX, which was {$500.00}. I no longer owed for XXXX due to our new arrangement. Despite making that payment, SoFi reported me as delinquent. I tried for months to get through to their customer service and did not hear back until the past two weeks. They are negligent and provide inconsistent information. I am a proactive customer who attempted to honor our agreement and was punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following accounts on my Equifax credit report : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX 'S XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX {$7200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief