vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Hello I opened my account using promo code XXXX ( see attached picture ) And have also completed all requirements to receive the {$200.00} bonus However it has now been past the 30 day funding holding period and I have not yet received the bonus Can I please get an update on this?

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 2025-12-08 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 am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
b'I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items:\n\n\nPlease conduct an investigation of these items, as required by the Fair Credit Reporting Act (FCRA), and remove or correct them as appropriate. Attached is a copy of my credit report highlighting the disputed entries, along with any supporting documentation that can assist in your investigation.\n\nAccounts:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am writing to you as a consumer under my rights granted by the Fair Credit Reporting Act ( FCRA ). I am requesting the following : 1. A list of all individuals or entities who have accessed my credit report within the last 24 months under the permissible purpose outlined in Section 604 of the FCRA. Please include names, addresses, dates of access, and the stated reason for each inquiry.

2. A complete copy of my credit report, including all inquiries ( soft and hard ), promotional reviews, and insurance inquiries.

3. A review and deletion of any negative accounts or information on my report that are inaccurate, outdated, unverifiable, or incomplete.

I am formally disputing the following accounts currently being reported on my credit file. I am requesting that you conduct a thorough reinvestigation and delete these items if they can not be fully verified or are reporting inaccurate, outdated, or incomplete information : 1. XXXX XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
accounts do not belongs to me i have tried to talk to XXXX XXXX XXXX XXXX but they are refusing to remove even i did provide them an Identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the ECRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request onXXXXregarding theseunauthorized inquiries, but they are still on my credit report. 

Thank you for your prompt attention to this serious matter.

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 2025-12-08 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: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The original creditor is XXXX XXXX this company sold this loan packaged it up and sold it to a trust now this agency XXXX XXXX XXXX XXXX XXXX illegally trying to collect on a debt that has been satisfied according to XXXX XXXX and XXXX I have the right to know every bit of history and activity on this file so called loan but them not providing it and refusing to violates laws and to try to collect on a debt thats not theirs especially when its been purchased for Pennies on the dollar is fraudulent at least

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have a Mortgage with XXXX mortgage. They have raised my mortgage XXXX $ because of a deficiency in my escrow account due to a combination of rising home insurance and property taxes. I am a 100 % compensated XXXX veteran and I am exempted from paying property taxes. My home insurance only surged to XXXX $ I am still paying my mortgage under a modification. I feel that this analysis was wrong and untimely. Why NOW? Why not last year. Also, in addition to this, prior to 2019, when XXXX mortgage was under the brand name XXXX I was consistently charged XXXX $ to make monthly payments over the phone, and all of the mortgage payments that were made prior to the modification were not included in the modification. I am contesting the payment and the way they executed it. My MORTGAGE SHOULD NOT BE RAISED XXXX $ DUE TO A DEFICIT IN MY ESCROW ACCOUNT BASED OFF A PROPERTY TAX AND HOME INSURANCE DEFICIENCY ; I AM NOT REQUIRED TO PAY PROPERTY TAXES BECAUSE I AM A XXXX 100 % XXXX VETERAN. XXXX MORTGAGE HAS BEEN INFORMED OF THIS AND HAS THE SUBSTANTIATING DOCUMENTS.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC
State: VA

Complaint narrative:
VCFS Auto Leasing Company - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Date : XX/XX/XXXX Subject : Cease and Desist Improper Collection Contact and Failure to Provide Debt Validation To Whom It May Concern, This letter serves as a formal legal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., requiring your company to immediately cease all direct contact with me regarding the alleged debt you claim I owe. Your continued phone calls, hostile customer service phone interactions, and repeated contact constitute harassment and are in violation of my consumer rights under federal law. 

Effective immediately, you are prohibited from contacting me by telephone at any number, including home, workplace, or mobile, and from contacting any relatives, friends, or my employer. All future communication regarding this matter must be in writing only and mailed to the address listed above. 

To date, your company has failed to provide proper debt validation as required by law. I have made no fewer than six specific requests for a complete and itemized accounting of all charges and fees you allege are owed. Despite these repeated requests, VCFS has only provided generic, boilerplate billing summaries that lack transparency in how any of the disputed charges were derived or calculated. This ongoing failure to provide legally required validation constitutes noncompliance with the FDCPA. 

Furthermore, I believe VCFS acted in bad faith with respect to the disposition of my returned lease vehicle. When I attempted to sell the vehicle to an authorized Volvo dealership, I was presented with an unreasonably low buyout offer, effectively forcing me to return the leased vehicle. The vehicle was meticulously maintained throughout its term, and it was quickly resold by your dealer at a significant profitfar above the price your dealership offered to me. Compounding the concern, I entered into leases for a XXXX Volvo EX90 and a XXXX Volvo C40 within the same period, demonstrating my loyalty as a valued customer who should be treated with fairness and transparency, not subjected to poor or no service and improper collection practices. 

If these unauthorized collection contacts continue, or if your company persists in failing to provide proper documentation, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office. I further reserve the right to pursue civil action for violations of federal and state consumer protection laws. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have been trying to reach TD Auto Finance for more than a month, but their phone system keeps repeating the same message and never connects me to a representative. My car has an expired Texas registration. I moved to Illinois and tried to register itI went to the XXXX twice. They asked me to bring the title. 

I called TD Auto Finance multiple times, and only once was I able to speak with someone. She said she would send me a letter. The letter arrived, but it is not what the XXXX requested. Because of TD Auto Finance, I still cant register my car. I cant reach anyone at their phone number, and I dont know how to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required 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 2025-12-08 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: LA

Complaint narrative:
I have no ties to these accounts and expect their removal within 15 days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: ME

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures to ensure 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital Systems is attempting to collect an alleged debt of about {$6100.00} that it says is from a XXXX XXXX account. This account is being reported as a collection/charge-off on my credit reports. 

After seeing this collection account on my credit reports in 2025, I sent written disputes and a cease-and-desist letter to XXXX XXXX. I explained that I do not agree that I owe this amount and asked them to validate the debt by providing copies of any original signed agreement, a complete itemized breakdown of the balance, and proof that they have the legal right to collect and report this account. I also asked that, if they can not validate it, they stop collection and have the collection tradeline removed from my credit reports. 

XXXX XXXX has not provided the validation I requested. As of late 2025, they are still reporting this account as an active collection on my credit reports. I believe this is an attempt to collect a debt that is not properly validated and may not be owed, and that the information being furnished to the credit bureaus is inaccurate or unverifiable. 

I am asking for help to get this account fully investigated and corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to be absolutely clear that this complaint is not in error. My credit report contains inaccuracies that do not reflect the highest standard of accuracy required. These errors are causing ongoing, serious harm to me.

Company response to consumer: Closed with non-monetary relief