vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-10 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: UT

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Second Formal Notice Complete Removal of Disputed Items ( FCRA 611, 15 U.S.C. 1681i ) To Whom It May Concern, This is a second formal dispute regarding unverifiable and inaccurate accounts in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), I am requesting immediate deletion of all information that is unverifiable, inaccurate, or incomplete.

You received my prior request and failed to provide documented proof of reporting accuracy. Therefore, you must promptly delete the following entries, which negatively affect my report : All late payments, derogatory indicators, collections, charge-offs, accounts marked 120 days late or more, and all public records, as documented in your most recent reports for me.

Specifically, this includes ( but is not limited to ) : Department of Education/XXXX all entries with 120+ days late status XXXX  XXXX charge-off/closed accounts XXXX XXXX charge-off/closed account XXXX, XXXX, XXXX late or charged-off accounts XXXX XXXX ( collection, Experian only ) Any other entry reporting delinquency or adverse status, as reported in my Experian, Equifax, and TransUnion files [ XXXX +2 ] Under FCRA 611 ( a ) ( 5 ), if you are unable to verify these items, you must DELETE them from my file within 7 days of receipt of this letter. You may NOT continue to report items that are in dispute and unverifiable, nor delay reinvestigation indefinitely.

Failure to comply will constitute willful noncompliance with federal law ( FCRA 616, 617 ), subjecting your agency to further action and damages.

A written statement confirming deletion is expected within 7 days, or further complaints will be filed with the CFPB and my State Attorney General. 

Sincerely, 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 2025-10-10 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Second Formal Notice Complete Removal of Disputed Items ( FCRA 611, 15 U.S.C. 1681i ) To Whom It May Concern, This is a second formal dispute regarding unverifiable and inaccurate accounts in my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ), I am requesting immediate deletion of all information that is unverifiable, inaccurate, or incomplete.

You received my prior request and failed to provide documented proof of reporting accuracy. Therefore, you must promptly delete the following entries, which negatively affect my report : All late payments, derogatory indicators, collections, charge-offs, accounts marked 120 days late or more, and all public records, as documented in your most recent reports for me.

Specifically, this includes ( but is not limited to ) : Department of Education/XXXX all entries with 120+ days late status XXXX  XXXX charge-off/closed accounts XXXX XXXX charge-off/closed account XXXX, XXXX, XXXX late or charged-off accounts XXXX XXXX ( collection, Experian only ) Any other entry reporting delinquency or adverse status, as reported in my Experian, Equifax, and TransUnion files [ XXXX +2 ] Under FCRA 611 ( a ) ( 5 ), if you are unable to verify these items, you must DELETE them from my file within 7 days of receipt of this letter. You may NOT continue to report items that are in dispute and unverifiable, nor delay reinvestigation indefinitely.

Failure to comply will constitute willful noncompliance with federal law ( FCRA 616, 617 ), subjecting your agency to further action and damages.

A written statement confirming deletion is expected within 7 days, or further complaints will be filed with the CFPB and my State Attorney General. 

Sincerely, 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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
I have been attempting to obtain a lien release ( or a notarized letter of no interest ) from XXXX XXXX XXXX, which acquired my previous auto loan company, XXXX XXXX XXXX XXXX XXXX. Santander should have inherited all customer records, accounts, and documents from XXXX XXXX. I do not have a current copy of the lien release and was attempting to sell/trade the vehicle and have the titles changed but this is lien is hindering that process.

Background : Loan start date : XX/XX/XXXX Loan payoff date : XX/XX/XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX When I contacted Santanders Titles Division, they initially claimed they had no record of my VIN. They stated that when searching my VIN, it appeared as a XXXX vehicle, which is incorrect. I verified online that the VIN corresponds to my XXXX XXXX XXXX, and I have attached documentation showing this. 

After speaking with four different representatives on XX/XX/XXXX and XXXX, XXXX, one agent finally agreed to send a letter of no interest. I was informed it would be sent within 10 business days ( at least by by XX/XX/XXXX ) to XXXX XXXX, the dealership assisting with the title transfer. However, XXXX XXXX has not received any documents from Santander as of today, and repeated follow-up attempts have been unsuccessful. Santander agents have also refused to send the notarized letter directly to me, despite my verified ownership of the vehicle. I have repeatedly requested escalation to a supervisor, but those requests have been denied or ignored. Santander has no physical branch in Minnesota, making it impossible to resolve this issue in person. XXXX XXXX has confirmed that they can not complete the title transfer or sale until this lien issue is resolved, and they have not received any correspondence from Santander despite multiple follow-ups. 

Attached Supporting Documentation : Screenshot showing that Santander acquired XXXX XXXX XXXX XXXX XXXX. 
Screenshot from XXXX  showing the auto loans start and payoff dates, confirming the account was paid in full.

Screenshot verifying that my VIN corresponds to a XXXX XXXX XXXX, not a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I booked a trip to go to XXXX XXXX to XXXX XXXX XXXX through XXXX. They had my Citi card on file and I decided to use my XXXX XXXX to pay for the trip which was still through XXXX XXXX  charged my cards twice for this trip for the amount of XXXX XXXX on my XXXX XXXX in which I consented to do that .. and then they put on my Citi card, XXXX so I was double charged and never gave them the consent to go ahead and take that money from my Citi card. This has been a total nightmare. I have been on the phone with XXXX  and Citi card and even called the resort XXXX XXXX this was billed on my XXXX XXXX, XX/XX/2025 the citi card was billed on XX/XX/2025 the dates that we traveled was through XX/XX/XXXX through the XXXX. They have not helped me at all with any of this Citi card nor XXXX I called. they say theyre going to take care of it and they dont. Im very disappointed with both companies and I would be worried to even use them again Citi Card is just been a very big disappointment And how unprofessional they are. XXXX person told me to go to the police and others were rude and not willing to help at all, so therefore, I will be closing my account with Citi Card, XXXX but I cant until I get this taken care of. 

I have another dispute on the same card Citi card back on XX/XX/2025 I booked through booking a a trip to XXXX XXXX XXXX  I cancel cancel the rental in time and they said they were going to give me my deposit back which was {$940.00} I spoke to Citibank to dispute it they started to and they asked me they had taken it off of my account so they asked me if I wanted to end the dispute and I said yes if its taken care of, then they put it back on my account again and now they cant open it up again to do the dispute, they say now you have to reach out to the merchant not them meaning Citibank. Ive had to do my own footwork with no progress from XXXX and the people that have the rental company it shows on my account XXXX  * XXXX XXXX XXXX XXXX XXXX XXXX. I would really appreciate your help with these charges that shouldve never happened through citi card and XXXX  thank you so very much. I hope you can help me with this. Its a lot of money and I have nowhere else to go. Also, I have given them both any documents that they have asked for for the payment and it doesnt make any difference. They just continue to want more so please get in touch with me. You can call me at XXXX and my name is XXXX XXXX thank you very much.

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 2025-10-10 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: NV

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Initially a letter came from the company addressed to previous homeowner. I did not open. Following month a new letter was received with my name now on it. I opened and found a debt collection from RevenueGroup with a collection on behalf of the Ohio Attorney General office. The debt is from XXXX, at which time I would have been XXXX XXXX XXXX. 

I have called 4 times and reported the issue. Each time told they are sorry and this will stop. Last person said, everyone else is not as smart as he is and he will take care of it. Received the letter again XX/XX/XXXX. I want it to stop and to ensure that this debt does not show up on my credit as this is not mine. I just happen to live in the house now where the previous owner must have had the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 Data Breach Victim ( Case No. XXXX ) LEGAL NOTICE OF IMPROPER REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Violations are : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The Consumer Financial Protection Bureaus recent enforcement actions demonstrate the consequences of sham investigations and non-compliance. The entries below are the result of unauthorized activity tied to identity theft stemming from Equifax data breach. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report Your continued inaction places Equifax Inc at comparable legal risk and perpetuates irreparable harm to my creditworthiness, financial stability, and personal well-being. The following unauthorized accounts, all traceable to the XXXX  and Equifax Breach, remain on my credit report despite repeated disputes and supporting documentation : 1. Furnisher : XXXX  XXXX XXXX XXXX : # XXXX : Balance : {$280000.00} : Open Date : XX/XX/XXXX XXXX. Furnisher : XXXX  XXXX : XXXX XXXX : # XXXX : Balance : {$26000.00} : Open Date : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX : # XXXX : Balance : {$1300.00} : Open Date : XXXX  4. Furnisher : XXXX  XXXX : XXXX : # XXXX : Balance : {$280.00} : Open Date : XX/XX/XXXX 5. Furnisher : XXXX  XXXX : # XXXX : Balance : {$1600.00} : Open Date : XX/XX/XXXX

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

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 non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.

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

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

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 2025-10-10 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: PR

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

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 2025-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
hello, XXXX from Shellpoint/NewRez contacted me last week to present a loan modification offer with monthly payments exceeding {$800.00} through XXXX, followed by a balloon payment of more than {$40000.00}. Unfortunately, this proposal is neither affordable nor sustainable. When I called to follow up, I was informed that my case was being fast-tracked and feel this was done because I had included the CEOs and customer service manager in my correspondence. The overall experience with this company has been extremely challenging. It has taken over a year to process this modification, and the terms being offered appear unreasonable and potentially predatory, setting borrowers up for failure. 

I have sent them a response on XX/XX/06 saying that i do not accept and am looking for the following : I did not receive any of the terms XXXX offered me in writing and requesting for you to please provide the following in writing : Full amortization schedule showing the ballon amount Pay-off statement The written reasons other modification options were rejected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation