vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am leasing a XXXX XXXXXXXX XXXX XXXX through XXXX XXXX. The vehicle currently has two serious open XXXX safety recalls involving fire risk, high-voltage battery defects, and potential catastrophic engine failure with loss of propulsion without warning. The manufacturer instructs owners not to charge the vehicle and to park away from structures or other vehicles. No remedy is available for either recall, and there is no timeline for repair. 
In addition, the vehicle has a long-standing electrical malfunction involving the infotainment system and backup camera. The screen frequently turns bright green, emits a loud screeching noise, freezes during navigation and reversing, and becomes unresponsive. This creates distraction and visibility hazards. The dealer has acknowledged the issue but has not repaired it. 
The dealer has refused to schedule a timely repair appointment or provide a loaner vehicle, even though the XXXX is unsafe to operate. I am paying {$1100.00} per month for a vehicle that I have been instructed not to charge, can not safely park, and can not reliably drive. This constitutes loss of use and financial harm. 
I have contacted XXXX XXXX  to request assistance, including the possibility of lease termination or suspension of payments due to safety-related non-usage. I have not received a meaningful response or resolution. 
This situation has caused significant safety concerns and financial burden while the vehicle remains unusable through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
SEE ATTACHED IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING..

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I dispute these accounts because they are not mine ; please remove them within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. 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 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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
On XXXX I attempted to make a purchase with my XXXX account and the transaction was denied stating I did not have funds available even though I did. Their website and atm also gave errors so I could not use my account. On XXXX, I noticed 2 transactions pending of {$57.00} from the restaurant i attempted to use my card, at that time I called and was placed on a callback list, and sent a secure email about the issue. On XXXX, I did not get a callback so I called in again and spoke with an agent who told me they could not do anything before even asking for any verification information. I asked to speak with a manager and the call was disconnected. I called back again and was again disconnected when asking for a manager. I called again and spoke with XXXX XXXX in the customer experience center who told me without my account number I need to provide my drivers license number, I probed her about what other options I could provide besides that and I advised her I would be making a complaint due to the bad customer service and she also disconnected the call. When I called back and asked for a manager again I was again disconnected, I called back again and then was told a bad verification tag was added to my account and I would now need to go to a branch to have it removed. I let the manager XXXX know the interaction I had with the sup and how there was never a point of failed verification, she ended the call, never made an attempt to call me back, and just added a bad mark on my account. XXXX also stated there is nothing she could do, no higher up she could transfer ne to or any team that could assist and hung up. This experience has been the worst I have ever had at any bank, i am livid I have to now go to a physical location due to the spiteful act of a manager at the bank, and errors by XXXX. Their system obviously had an error and they would know. Instead of attempting to assist and free up my funds in my account, they put up roadblocks.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following information on my credit report. Below are the accounts I am disputing with the respective credit bureaus. 

CHARGED OFF Experian ( XXXX  ) XXXX XXXX, XXXX, XX/XX/XXXX, {$120.00} XXXX, XXXX, XX/XX/XXXX, {$110.00} INQUIRIES Experian ( EX ) XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT Experian ( EX ) 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 2025-12-09 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts on my credit report with the respective bureaus. Please review and correct the discrepancies. 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$630.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$4100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$26000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$18000.00} XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1000.00} Inquiries : XXXX  ( XXXX ) : [ No inquiries listed for XXXX ] XXXX  ( XXXX ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion ( TU ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion ( TU ) : DPT ED/XXXX, XXXX DPT EDXXXX, XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Better Mortgage, Inc.
State: CT

Complaint narrative:
Better Mortgage ( XXXX XXXX specifically ) gave a home equity loan against my house to a scammer. This has all been cleared up except for the lien on my title. I have been trying for three months to get the lien removed from the title of my house. We all agree this was fraud and there should be no lien yet, there it is. My contact at Better has been XXXX XXXX. She has helped a good bit with the other issues that involved my credit and closing of the actual account. However, we still have a lien on our property. Aside from XXXX XXXX XXXX who is helpful when I can get ahold of her ) NOT ONE OTHER PERSON at Better Mortgage has ever reached out to me. No one from a fraud department, no one from legal, no one. And believe me I have tried all of it. I am about to have my lawyer get involved as we are at the three month mark on this issue. I can not see any reason why this process should take so long. The lack of communication from Better Mortgage is making me worry that no one is actually even working on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
We completed a siding project for a customer. The total contract value was over and above the credit provided to customer. The siding scope was {$39000.00} of which {$35000.00} was paid via Synchrony. We completed the siding. The customer disputed the project twice and those disputes were denied. The 3rd time he disputed it went in his favor and we were charged back $ XXXXFor a small business, this is a lot of money. I was told that Synchrony does not take into account previous disputes. I responded as I had done previously. However, I was not able to open any of the comments or documents from the customer. We provided a fully sided home that Synchrony and customer acknowledged was completed. They still charged back $ XXXX resulting in our company receiving nothing for completed work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
A XXXX  XXXX bankruptcy that was already discharged is still being reported on my credit report, and I believe the way its showing up is not entirely accurate. I contacted the court and was informed they do not report to credit bureaus, so the information is likely coming from a third-party source. 

Because of this, I believe the credit bureaus are reporting unverified or outdated information, which is a violation of my rights under the Fair Credit Reporting Act, especially 15 U.S.C. 1681e ( b ) ( which requires maximum possible accuracy ) and 1681b ( which limits who can access and use my information ).

Im not working with a credit repair agency Im simply trying to clean up my credit and make sure whats being reported is fully verified and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions 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 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 2025-12-09 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT AGAINST EXPERIAN INACCURATE, INCOMPLETE, AND MISLEADING REPORTING I am filing a complaint against Experian for reporting inaccurate, incomplete, contradictory, and factually impossible information regarding a XXXX  XXXXXXXX XXXX XXXX  tradeline on my credit report. 

The following inaccuracies violate the Fair Credit Reporting Act ( FCRA ), the CFPBs accuracy guidelines, and the Metro 2 Credit Reporting Standards : 1. Experian reports Status Updated : XX/XX/XXXX while simultaneously reporting Balance Updated : XX/XX/XXXX. 
These dates can not both be correct. This creates an inconsistent and misleading account history in violation of FCRA 1681e ( b ). 
XXXX. Experian reports a Last Payment Date of XX/XX/XXXX even though the account was charged off in XX/XX/XXXX. 
An account can not accept or post payments after a final charge-off. This is factually impossible and constitutes inaccurate and misleading reporting under FCRA 1681i & 1681e ( b ). 
This also creates the appearance of illegal re-aging. 
XXXX. Experian lists both {$14000.00} written off and {$7900.00} past due simultaneously. 
A charged-off account CAN NOT continue to show a rolling past-due amount. Charge-off is a final status. 
This violates FCRA accuracy requirements and XXXX XXXX guidelines for XXXX XXXX. 
4. The account is reported as Closed, yet Experian continues to report ongoing delinquency and past due balances. 
Closed, charged-off accounts do not age delinquency. 
This misrepresents account status and violates 1681e ( b ). 
5. Experian lists the Original Creditor as -, which is incomplete reporting that violates FCRA 1681g and 1681c. 

These inaccuracies materially damage my creditworthiness and demonstrate Experian failed to maintain reasonable procedures to assure maximum possible accuracy

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 2025-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a XXXX  person for tax purposes, and I have an active savings account with Capital One. When I originally opened the account, Capital One incorrectly interpreted my legal name. I have two last names, but their system recorded one of them as a middle name. I contacted Capital One in XX/XX/year> to correct the name formatting on my account so it matches my legal identification.

Capital One informed me that they can not update my name unless I complete IRS Form W-9 . I explained that I am XXXX XXXX XXXXXXXX person and therefore can not legally sign a W-9, because signing the form requires certifying under penalty of perjury that I am a U.S. person . I have already submitted the correct IRS form for XXXX individuals ( Form W-8BEN ), which is on file and current.

I repeatedly asked whether they could use the W-8BEN already provided, or accept standard identity documents ( such as a passport ) for the name correction. I also asked for clarification on why a W-9 is required for a name formatting fix that does not involve changing my tax status. Capital One stated that they can not accept a substitute form and that a W-9 is the only option for updating my name in their system. Representatives acknowledged my concerns but said they could not escalate the issue beyond suggesting I speak to an attorney or the IRS.

Because I can not legally sign a W-9 as a non-U.S. person, this requirement prevents me from correcting my name on my account. The problem appears to be a system limitation or compliance oversight where Capital One requires all customers ( regardless of tax residency ) to submit a W-9 for any name change. This results in Capital One requesting an IRS form that I am not legally permitted to complete and prevents accurate management of my account information.

I am requesting that Capital One correct my name using appropriate identity documentation and accept the W-8BEN already on file, rather than requiring me to falsely certify U.S. tax status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting that the following inquiries be reviewed for accuracy in my credit report, as some may not be properly reported or verified. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-09 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: SC

Complaint narrative:
I am writing to dispute the following accounts and information that I believe are inaccurate or incomplete on my credit report. I request that the items be thoroughly reviewed, and appropriate corrections be made. The details of the disputed accounts are as follows : CHARGED OFF : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation