vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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:
Dear Sir/Madam, I am contacting you to dispute the information listed on my credit report provided by TransUnion. Upon reviewing the report, I identified discrepancies related to several accounts and inquiries. These errors may be affecting my creditworthiness, and I respectfully request that you investigate and correct the following items. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XX/XX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XX/XX/XXXX XXXX XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}

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 2025-11-25 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: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX p.m., my XXXX XXXX XXXX was towed by XXXX XXXX. When I retrieved it on XX/XX/XXXX, at approximately XXXX a.m., I was forced to sign a document acknowledging receipt without inspecting the vehicle. Upon driving, the vehicle immediately began to shake at speeds over 30 mph. I took it to a certified mechanic, who stated it was undriveable due to towing damage at approximately XXXX p.m. the same day. 

I contacted XXXX at XXXX a.m. on XX/XX/XXXX, who advised me to submit a claim with documentation. I submitted claims to both XXXX and Santander beginning at approximately XXXX p.m. on the same day. XXXX denied responsibility, and Santander denied my claim solely based on XXXX denial, without reviewing my evidence or addressing the damage, including tire damage. I requested that both companies escalate the matter to management, but neither did. 

I have made multiple calls and sent emails, submitted photos and repair estimates, and requested management involvement. These efforts have been ignored. 

Despite this, I repaired my vehicle at my own expense and have received no compensation. I am submitting this complaint to the CFPB to seek assistance in obtaining fair resolution and accountability for the towing-related damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

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 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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have been with US bank for over 6 years and in the beginning there was little to no problems with my account. Come about XXXX I lost my job and struggled to make ends meet. So for the foreseeable future and financial issues i requested for protection on my account to not be over drafted or if it did to immediately reverse payment so to avoid overdrafts and their fees. They successfully assisted with this and implemented this on my account which was very beneficial. Fast forward to XXXX, I have a job now and I have changed nothing to my bank account or the restrictions I had requested 2 years prior. First I started noticing my account not reflecting the correct amount in my app because the payments were taking days to weeks to process causing a misrepresentation of what funds were actually available in my account. Then over drafts started to happen as to which i assumed given my setup for the account they would be reversed 24 hours later however this was not the case and all of a sudden their holding me responsible for over draft fees even after I submit money into the account to reverse them, which is stated in their banking app, " to reverse overdraft fees please deposit the amount past due. '' But apparently this doesn't reverse their overdraft fees and I'm having to call only to be rejected a reversal of over draft fess or a long wait for them to reverse such as 2 to 5 business days. This is an atrocious way to handle business and protect their customers money. It really represents how they have businesses best interests at hand more than their own banking customers who have been financially struggling for years. Its like adding insult to injury or taking advantage of my situation. I'll be leaving their business very soon and having nothing to do with them.

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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: MD

Complaint narrative:
I work for the federal government, and in early XX/XX/year> I made arrangements with roundpoint to delay my mortgage payments until after the government reopened from the shutdown. I called roundpoint on XXXX XXXX and spoke with XXXX, and informed her that government had reopened and I could now make my mortgage payment. 
XXXX said she had scheduled my mortgage payment of {$1800.00}, and after this transaction was complete, I requested to also pay an additional principal-only amount of {$160.00}. She also confirmed this payment was completed. I then received a letter from roundpoint on XXXX XXXX stating that a {$91.00} late fee had been charged to my account. I called to ask about last week 's payments and spoke with XXXX. I explained everything to her multiple times, but she said she didn't understand. I asked to speak with her supervisor multiple times, and she said I would get a call back in 2-3 business days. The roundpoint service is terrible, the payment error was not my fault, and I should not be charged the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: WI

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX )XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LATE PAYMENTS ( EX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am filing a dispute regarding the following accounts that I believe to contain inaccuracies. The details of these accounts are listed below, separated by bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} Inquiries : XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXX Date : XX/XX/XXXX Late Payment Accounts : XXXX XX/XX/XXXX XXXX Account XXXX : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX XXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: DISCOVER BANK
State: MA

Complaint narrative:
I reported several unauthorized and fraudulent charges on my Discover account. Discover initially removed the charges after I reported them, but they later re-added the same charges and said they found no fraud occurred. I completely disagree, because I did not make these purchases or authorize anyone else to make them. 

I asked Discover for documentation showing that I authorized the transactions, and they did not provide any evidence. Instead, they told me I am responsible for the charges even though they can not verify that the transactions were legitimate. 


PS, the fraudulent transactions occurred from XX/XX/year> to XX/XX/year>, the total amount was {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: AL

Complaint narrative:
D & A Services sent an initial collection letter on XX/XX/year>, for an alleged XXXX XXXX XXXXXXXX debt without including required FDCPA validation information ( 15 U.S.C. 1692g ( a ) ), such as the 30-day dispute rights and exact creditor details. This is a per se violation. I dispute the debt in full and demand validation, including transaction history and XXXX accounting ( ASC 310 ). Continued collection without response violates 1692g ( b ). Please forward to D & A for immediate cessation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-11-25 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:
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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 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: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX U.S. Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-25 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: LA

Complaint narrative:
Pursuant to XXXX U.S. Code XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX U.S. Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-11-25 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:
I am submitting this complaint to the CFPB regarding several items on my credit report that are incorrect and need to be addressed. Below, I have outlined the details of the accounts in dispute, separated by each credit bureau : Charged Off Accounts : AA/CBNA Account Number : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for and was instantly approved for a Citi XXXX XXXX Credit Card with a {$35000.00} credit limit. Shortly after receiving the physical card, the account was immediately restricted, and Citi Bank requested an IRS 4506-C form ( Request for Transcript of Tax Return ) to verify income. I complied with this request, sending the form multiple times as requested. I also called Citi Bank Customer Service to confirm receipt and was advised to simply wait for the review process to complete. 
Approximately 15 days ago, I received a letter stating that Citi Bank had unilaterally closed the account. This closure was executed after I provided the requested documentation and while the account was restricted. The initial approval, subsequent restriction, and final closure have resulted in an unfair and negative impact on my credit history.

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 2025-11-25 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: OK

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I received a call from this # XXXX They said I needed to call this # XXXX because I had a dispute from someone and if I don't take action after XXXX attempts of them contacting me they will take legal action. 
I called that # and they stated that I had debt. They gave me the amount said it was from XX/XX/year> from GE Money Bank They knew my date of birth, my current address they gave an address that was used to open said account that I haven't lived at in over 15 years and they knew my SSN.

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