vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My leinholder, Santander Consumer is holding an insurance repair check for over 30 days and being extremely difficult releasing the funds over. We sent our leinholder an insurance repair check on XX/XX/XXXX to be endorsed and returned back to us to make repairs on our vehicle. Instead of returning the check, they instantly applied it to the remaining balance of the car without our permission or endorsement on the check. They claimed they do this to everyone until they receive the proper documentation to send us the check. We sent over all documents needed on XX/XX/XXXX and we were told we would be receiving the check in XXXX business days. That allotted time passed, we had not received the check, only to which we were told that our insurance company put a stop on the check. We called our insurance agent, told that was incorrect information, and that the check had been cleared. Upon calling the lien holder again, we were told that was their mistake and good news was that we would be receiving the check that week on XX/XX/XXXX. We never received the payment, and upon calling on XX/XX/XXXX, we were told that they had to edit our account and move the funds from the applied balance, and send it out which would take XXXX business hours. We called again on XX/XX/XXXX in which we were told that they should be mailed no later than the next day and to call them back on the XXXX. We called again on the XXXX, they said they couldnt release the funds because our account was now XXXX  days overdue, they advised us to make XXXX payments in order to release the funds, in which we did. We called on the XXXX and they said they would be sending us the check and to please call back the next day to ensure it has been sent. We called XX/XX/XXXX and they said our account is 91 days overdue. It is not. We just made XXXX payments. We have receipts and confirmation numbers. We call again on XX/XX/XXXX and a customer service rep said theyd put in a repair ticket. On XX/XX/XXXX, we received an email saying there is no error on my account, and it is correct ( over 90 days overdue ). I then received a call from the XXXX office later that day saying they see the error and have to transfer it to the accounting department and I will receive a call with the corrections on XX/XX/XXXX. I did not receive a call on XX/XX/XXXX, so I reached out where I was again told my account is 94 days overdue. I asked to be transferred to the XXXX office and they refused. They said theyd put in another repair ticket and it will take XXXX business days to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX almost XXXX hours on the phone with Citi and nothing was accomplished!! I decided to call back to see if I could at least activate my card because online won't let me do it of course!! 

SO I Called Citibank back.. Asked if they can help me activate my card.. 

I give the representative the card number .. She ask for my bank account number.. I informed her due to a Citibank error y'all removed my account from my online banking so I haven't been able to access my account nor am I able to get the account number. She goes will she isn't able to help me because she can't verify me. 

Now I'm confused because Ive been on calls with Citibank since last week and they have utilized other methods to verify me such asy social, my Citibank credit card, sending a code to my phone however she just wanted to hang up!!

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 2025-10-03 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: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses.

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-03 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: PA

Complaint narrative:
I looked at my credit report and noticed you have reported XXXX XXXX XXXX XXXX. 
According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this [ Insert description of negative item here ). Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX XXXX XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 
Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX  XXXX Account Number XXXX Open Date XXXX XXXX, XXXX XXXX  XXXX XXXX  Account Number XXXX Open Date XXXX XXXX, XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-03 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: CO

Complaint narrative:
I am formally disputing the reporting of accounts that appear under my name without my knowledge, authorization, or management. These accounts are not mine. Their presence on my credit report is inaccurate, misleading, and damaging to my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CO

Complaint narrative:
I am formally disputing the reporting of accounts that appear under my name without my knowledge, authorization, or management. These accounts are not mine. Their presence on my credit report is inaccurate, misleading, and damaging to my financial 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 explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX. On or around XX/XX/year>, I met with your employee, XXXX XXXX, at the XXXX XXXX XXXX branch. I presented all required documents, including an official, signed XXXX XXXX XXXXXXXX  resolution confirming my appointment as XXXX  and granting me sole signatory and banking authority. I asked to have the old XXXX  removed and they said the old XXXX  would need to be present. As a courtesy to the bank I agreed and a meeting was set up at a different branch. 
XXXX. At the scheduled follow-up meeting on XX/XX/year>, at the XXXX XXXX XXXX XXXX XXXX XXXX former XXXX XXXX XXXX failed to appear. However, I was present and once again showed your associate, XXXX XXXX, all corporate documents. I explicitly informed her verbally that : the XXXX had changed ; XXXX XXXX no longer had authorization of any kind ; he was not recognized by XXXX XXXX in any capacity ; and he was no longer a matter of record with the Arizona XXXX XXXX ( XXXX ). 
XXXX. Following these multiple in-person notifications, I returned to your branch on XX/XX/year>, and hand-delivered a formal demand letter as a final written notice. This letter again reiterated my full authority and stated explicitly that XXXX XXXX was no longer an XXXX  or authorized signatory. 
Despite these repeated formal notifications, Bank of America allowed this unauthorized individual to close our account. The fact that the account balance may have been zero at the time is irrelevant. This action represents a serious procedural failure and a breach of your duty to protect our organization 's account from unauthorized activity. It has caused significant disruption to our non-profit 's financial operations. XXXX XXXX at this time was no longer recognized in any state or federal filings and was no longer an XXXX with our corporation which was board recognized. An outdated signature card does not trump the corporate account and authorization. A signatory is only an agent for the corporation and and does the bidding of the boards authorizations not the other way around. Three times in person I shared all relevant documents showing full authorization and verbally expressed such. XXXX  times the bank would not comply to the legal authority and then allowed an unauthorized individual that they had been aware of on multiple occasions close a corporate account which he was no longer a part of and hadn't been during all of my contacts with the bank. Everything presented to the bank was from their policy as required documents and is all public information and can be verified easily.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed today that Capital One is not by law putting when the promo rate expires. This is a TILA violation. All companies should put when the promo rate expires clearly on the monthly statement. Yet Capital One is not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXXXXXX XXXX XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require ExperianXXXX XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-03 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:
Equifax has refused to remove inaccurate information from my credit report despite my submission of ample proof pursuant to Section 605C of the Fair Credit Reporting Act and 12 CFR 1022.142. I am a confirmed XXXX XXXX victim and have provided a Texas court order, sheriffs report, affidavit, self-attestation letter, a victim determination letter from a non-governmental organization, and a verification letter. Equifax continues to deny my request for removal by falsely claiming these valid documents are invalid. These repeated denials are nothing more than stall tactics designed to delay compliance with the law and deny me my rights under federal victim protection provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am formally disputing the following tradelines on my Equifax file : Accounts in Dispute ( Equifax file ) : XXXX  Acct # XXXX Negative with unverifiable late data. 
XXXX Acct # XXXX Reported inconsistently with other bureaus. 
XXXX XXXX XXXX XXXX Acct # XXXX, XXXX, etc. Reported as both revolving/line of credit and installment ; duplicative/misclassified. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Collection misclassified as installment. 
XXXX XXXX XXXX Accts # XXXX / # XXXX Reported without government coding or identifiers. 
XXXX XXXX Acct # XXXX Misclassified and conflicting status. 
XXXX XXXX XXXX  Acct # XXXX Conflicting with XXXX  ( positive there, negative here ). 
XXXX XXXX Acct # XXXX Wrong portfolio type ( installment vs collection ). 
Violations : FCRA 607 ( b ), 611 Metro 2 : Fields XXXX ( Portfolio Type ), XXXX ( Account Type ), XXXX ( Status ), XXXX ( DOFD ), XXXX ( History ) Case Law : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 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 - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 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