vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX at around XXXX I was over my friend house when he noticed my car was no longer outside after we just came back from getting tacos, I filed a police report reporting it stolen. The next day I was informed that My car lender ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) sent someone to take my car saying that it wasnt financed but my mom has word proof of the bank ( Hyundai XXXX XXXX ) that my car was indeed financed and mine. Now the lender is refusing to communicate about my car and wont let me pick up the belongings in my car nor will they even tell me where it is located. They took my car illegally.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
Last year in XXXX of XXXX my bank requested charge backs from every paypal transaction I did for the past 6 months ( up to XX/XX/year> ). This included all my subscriptions I use XXXX to pay for ( XXXX XXXXXXXX XXXX XXXX XXXX  ) and my XXXX credit and XXXX XXXX XXXX. I contacted XXXX as I never asked for this to be done and they confirmed my bank requested it and to speak to them. I spoke to my bank on multiple recorded lines and they confirmed that they did not request a charge back there was no confirmation that I requested anything and we even did a XXXX way phone call to confirm that I did not do this. While this was happening they canceled all my autopay to my credit card and took back all the money which results in the cards being closed and reported to the credit bureaus and tanked my credit over XXXX points. A month later my mother got a note in the mail directed to her with my account number saying she requested the charge backs on my account. She did not she disputed XXXX charged on her account which is separate then my account and because she stated she did not do business with XXXX then went into my account and requested charge backs without my permission. My mother opened up my account when I was XXXX ( I am XXXX now ) and they hav refused to take her off. No matter what though she never stated my account or gave them another associated with my account, they decided to do it on their own. I am currently being sued by XXXX to pay back the money from my accounts. XXXX refuses to allow my card to be added as payment method so XXXX cant even pay unless I open up another account with a different bank. I contacted the attorney general office to help me with this issue and Santander is refusing to respond or answer. Additionally my other issue with them is I have XXXX open cases due to fraudulent charges. Because i have been in contact with the management office regular Santander will not help me and the main office is refusing to give me any type of response on this issue. One charge was never admitted and the location tried to refund me but my bank is blocking it and refuses to refund. Another one is due to a XXXX charge that I also have confirmed conversations from them that I was not charged correctly- they not only rejected this charged but also charged me a charge for it. A last one was when my card was stolen and their were fraud charges and I was denied even though I reported it.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my TransUnion credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX card service account # XXXX Status of account is closed with {$0.00} balance/ Paid, Closed ; was Paid as agreed This reporting is inaccurate and misleading. Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. The manner in which this account is currently reported does not reflect accurate or complete information, and therefore creates a negative and unfair impression of my credit history. 

I am requesting that TransUnion : 1. Conduct a reasonable reinvestigation of this account under 15 U.S.C. 1681i, and 2. Either correct the reporting to reflect accurate information, or remove the account entirely if accuracy can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There was a data breach and now I have hard and soft inquiries that I didnt not do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : SoFi Bank , N.A. 
- Account Number ( masked ) : XXXX - Status Reported : Personal loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( XXXXXXXX XXXX XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Recently, I did an an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TN

Complaint narrative:
Recently, I did an an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I went in to the Bank of America branch on XXXX XXXX in XXXX XXXX XXXX CA to have an old cashiers check for {$8300.00} replaced for a trust account ( XXXX XXXX XXXX ). They told me they could not re-issue the check since the account had been closed, but offered to cash the check, which I accepted. I endorsed the check, received the cash, and left the branch. A couple of hours later, I deposited those funds in another trust account which I control XXXX XXXX XXXX  since I am finalizing a trust accounting and those funds were set for distribution to beneficiaries. 

On XX/XX/year>, I received a phone call from the branch stating they made an error in cashing the check, and I needed to bring the funds back or they " would escalate the issue ''. The bank manager explained they had been remitted to the State Controller Unclaimed Property Division. I told them I was upset but would look into it.

It is legal for a " holder '' ( the bank ) to issue payment for funds previously remitted to the CA Unclaimed Property Division directly. Ultimately, I am legally entitled to the original funds. Since they cashed the check, the bank can now legally receive the funds previously remitted to the State Controller 's Office This is outlined in CPP 1560 ( b ) : " Any holder who has paid moneys to the Controller pursuant to this chapter may make payment to any person appearing to that holder to be entitled thereto, and upon filing proof of the payment and proof that the payee was entitled thereto, the Controller shall forthwith reimburse the holder for the payment without deduction of any fee or other charges. Where reimbursement is sought for a payment made on a negotiable instrument, including a traveler 's check or money order, the holder shall be reimbursed under this subdivision upon filing proof that the instrument was duly presented to them and that payment was made thereon to a person who appeared to the holder to be entitled to payment. '' On XX/XX/year>, I returned to the bank and showed them they could correct their error by adhering to CPP 1560 and filing an HCR-1 as noted in the CA Unclaimed Property Manual.

The bank manager told me that was not an option since " there was no proof the owner received the funds '', which has no legal basis, other than their company policy. It is more difficult for them so they don't want to do it. I am the appointed trustee for the trust, and have a fiduciary duty to ensure the owner receives the funds, and I also have proof the funds were deposited into another account for Gilson Irrv Trust the same day.

I disagreed with them and told them I would pursue other avenues, and now I am filing this complaint to have the bank retrieve the funds using the HCR-1 to correct their error.

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 2025-09-24 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: VA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute inaccurate information reported on my credit file by Equifax regarding my account with XXXX, a revolving credit card account. Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have identified a significant discrepancy that is adversely affecting my credit profile. 

Account Details : Creditor Name : XXXX Account Type : Revolving Credit Card Credit Limit : {$4500.00} Balance : {$2100.00} Account Status : Open and in Good Standing Last Reported Date : [ XX/XX/XXXX ] Disputed Information : Equifax has reported late payments for the following months : XX/XX/XXXX : XXXX  days late XX/XX/XXXX : On Time/OK This reporting is inaccurate and conflicts with the data provided by both TransUnion and Experian, which show consistent OK payment status for these months. I have made all payments on time for this account, and there is no valid reason for Equifax to reflect these delinquencies. 

Supporting Evidence : Credit reports from TransUnion and Experian showing OK payment status for XX/XX/XXXX report for Equifax XX/XX/XXXX shows " OK '' while Transunion and Experian shows " XXXX  days late '' which is inaccurate. 

Credit report Account summary indicating the account is open and in good standing. 

No history of missed or late payments on this account.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal dispute concerning accounts on my credit report that are fraudulent in nature. These accounts do not belong to me, were never authorized, and have no legitimate connection to my financial activities. Their appearance is both misleading and harmful, unfairly impacting my creditworthiness.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I leased XXXX XXXX with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My monthly base rent was {$1400.00}, security deposit {$0.00}, prorated first month {$92.00}, and total monthly recurring fees {$180.00}. I moved out on XX/XX/XXXX due to a severe roach infestation, including a roach found in my bed by my pillow ( email documentation available ). 

XXXX sent a Final Account Statement claiming {$1900.00}, including trash-out {$120.00}, reletting fees {$1200.00} ( lease agreement states {$1300.00} ), lease termination fee {$1400.00}, CAM {$17.00}, rent {$180.00}, and small late charges. Adding the line items correctly totals {$980.00}, not {$1900.00} nearly a {$1000.00} discrepancy. The reletting fee alone is incorrect compared to the lease agreement. My payment history shows {$0.00} balance at move-out. 

XXXX also falsely reported my move-out as Skipped/Owes Money/No Notice. I emailed a Demand for Arbitration per the lease but received no response. These disputed charges continue to harm my credit. I request validation, correction, and removal of inaccurate 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 2025-09-24 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: AR

Complaint narrative:
To Whom it May, Under the Fair Credit Reporting Act ( FCRA ) Section 604, a credit bureau is not permitted to provide my credit report unless a permissible purpose exists and my consent has been granted. Since I did not authorize this inquiry, it is a violation of my rights under the FCRA.

I am requesting that this unauthorized inquiry be removed from my credit file immediately. Please provide written confirmation once the removal has been completed.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am contacting you regarding the derogatory account you furnished to the credit bureaus : - Creditor/Furnisher : AFFIRM INC . 
- Account Number ( masked ) : XXXX - Status Reported : Personal loan, charged-off This tradeline was disputed with the credit bureaus. You verified it without producing original evidence. Such verification is inadequate and violates your obligations under the Fair Credit Reporting Act ( FCRA 623 ( a ), 623 ( b ), 611 ) and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Complaint Against : Wakefield & Associates , Inc. ( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX  Summary of Complaint : I am disputing the accuracy and legality of a debt reported by Wakefield & Associates , Inc. on my credit file for {$760.00}, listed under the original creditor name XXXX XXXX XXXX 
I never received a notice of this debt prior to it being reported to the credit bureaus. This deprived me of my right to dispute and validate the debt before harm was done to my credit. I do not recognize this creditor and never contracted with them directly. Any medical care received on that date was under my U.S. Department of Veterans Affairs eligibility, meaning this account should have been billed to VA and not me.

Violations Identified : FDCPA Violations : 15 U.S.C. 1692g ( a ) : Failure to provide a written validation notice within five days of first contact.

15 U.S.C. 1692e : Attempting to collect a debt not owed. 
15 U.S.C. 1692f : Using unfair means to collect.

FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known, or that should be known, to be inaccurate.

15 U.S.C. 1681s-2 ( a ) ( 7 ) : Failure to provide notice to the consumer before reporting negative information.

15 U.S.C. 1681i : Failure to assure maximum possible accuracy ( no date of first delinquency reported, account misclassified ).

Right to Notice : I never received notice before this tradeline appeared, which is a fundamental consumer right. My credit score has dropped XXXX  points due to this inaccuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief