vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed the debt a year ago. It was removed from my credit for 4 months then showed up again. So I called them and talked to them about payments they said yes. And also said they would send me info to start paying. I updated my address and everything. Its been 4 months since. I am just trying to build my credit. Not to mention I was in prison when this went to court. During covid is when this debt all started

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 2025-12-27 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Credit reporting Incorrect information on credit report I am filing this complaint regarding inaccurate and inconsistent credit reporting by Caine & Weiner, XXXX, and XXXX. 

The account in question Caine & Weiner has been deleted from my XXXX  credit report following a reinvestigation, yet it continues to be reported as verified on XXXX  and XXXX. This inconsistency indicates that the information being reported is not verifiable across all nationwide consumer reporting agencies, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times with both XXXX  and XXXX. Despite this, the account continues to be reported as verified without proper documentation or explanation. I also requested validation from Caine & Weiner, who provided a copy of an agreement ; however, this does not explain why XXXX  was unable to verify the account or why the information continues to be reported inconsistently.

Under FCRA 607 ( b ), credit reporting agencies are required to ensure maximum possible accuracy. Under FCRA 611 ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Since XXXX  has already removed this account, its continued reporting by XXXX  and XXXX  is inaccurate, misleading, and harmful to my credit profile. 

This inconsistent reporting has negatively affected my creditworthiness and caused unnecessary hardship. I am requesting that this account be deleted immediately from both XXXX  and XXXX, and that Caine & Weiner cease reporting this account unless it can be fully verified with consistent documentation across all credit bureaus. 

I am requesting that this matter be investigated promptly and corrected in accordance with federal consumer protection laws. I appreciate your attention and cooperation in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-27 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: PR

Complaint narrative:
This complaint is against Equifax for repeated investigation obstruction and identity file processing negligence. 

Timeline of events and actions taken : - First dispute attempt submitted to Equifax online : XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
- Identity verification documents sent by consumer via postal mail : XX/XX/XXXX ( U.S. Passport, Social Security Card, Proof of Address, Birth Certificate ). 
- Investigations closed by Equifax citing unable to verify identity : XX/XX/XXXX. 
- Consumer resent identity package again by postal mail : XX/XX/XXXX ( same documents, resent due to wrongful closure ). 
- Investigations closed again by Equifax due to automated identity loop : XX/XX/XXXX. 
- Dispute reopened online for both accounts in Equifax Dispute Center : XX/XX/XXXX. 
- Most recent investigation closures citing identity verification failure despite confirmed document delivery : XX/XX/XXXX. 
- Furnishers failed to provide original signed contracts proving ownership of disputed debts : XX/XX/XXXX. 
- Consumer submitted CFPB complaints previously that were terminated due to Equifax internal processing negligence : XX/XX/XXXX. 
- Consumer again submitted identity proof via online upload in bureau portal : XX/XX/XXXX ( Passport, SS Card, Proof of Address ). 
- As of XX/XX/XXXX, XXXX accounts remain under active dispute in Equifax : XXXX. XXXX XXXX Bank XXXX XXXX : {$4500.00}, Opened XX/XX/XXXX, First Delinquency XX/XX/XXXX, Last Activity XX/XX/XXXX, Installment, Unsecured ). 
XXXX XXXX XXXX  ( Opened XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Charge-Off, transferred or sold, reported with incomplete furnishing data ). 

Nature of the problem : Equifax has received valid identity documents from me multiple times but has failed to correctly associate them to my internal consumer credit file, using automated identity obstructions as a mechanism to close FCRA investigations. This is a violation of reasonable compliance procedures under FCRA. 

Desired resolution : I request CFPB compel Equifax to perform : - Human Identity Override Verification, - Manual Consumer File Association Audit, - Reopen all cases previously closed due to bureau processing negligence, - And require furnishers to validate ownership using original signed contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My car was repossessed and I never got items. They went into a private area to repossessed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am filing this complaint because Equifax is reporting materially inconsistent and inaccurate information regarding a Synchrony Bank / PayPal Credit ( SYNCB/PPC ) account.

Equifax reports : A different credit limit than other bureaus Different creditor remarks Severe late payments and charge-off activity Meanwhile, TransUnion reports no payment history at all for the same account.

This proves the information can not be verified and fails the FCRA requirement for maximum possible accuracy.

Violations 15 U.S.C. 1681e ( b ) Failure to ensure accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-12-27 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: LA

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of late payments on the account listed as XXXX XXXX XXXXXXXX Account # 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 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am disputing the medical collection on my credit report as fraudulent, inaccurate, and unauthorized. I did not authorize this account or the release of my medical information. This violates the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2 ( fraudulent information must be blocked ) and 15 U.S.C. 1681s-2 ( duty to report accurate information ). The furnisher has not provided valid proof, verification, or legal authorization to report this debt. Since this account can not be verified as accurate, lawful, or legitimate, I am requesting immediate deletion of this medical collection and written confirmation once it has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, misleading, and unverifiable items appearing on my credit reports maintained by TRANSUNION, EXPERIAN, and EQUIFAX, which have caused substantial harm to my financial standing and ability to access credit. These inaccuracies include addresses I have never resided at, such as XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX, GA XXXX, which create a risk of mixed credit files and misattributed accounts ; accounts reported as late close XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Chargeoff, which are internally inconsistent and misleading because a XXXX balance can not legally be reported as a charge-off without verified documentation ; collection accounts including XXXX XXXX XXXX Owed : {$20000.00} and XXXX XXXX  XXXX Creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}, which are reported without proper validation, ownership documentation, or proof of lawful authority to collect or report, rendering them unverifiable under FCRA 609 ( a ) ( 1 ) and FCRA 611 ; and the public record XXXX  XXXX Bankruptcy XXXX Asset Amount {$0.00} Court U.S. Bankruptcy Court Date Filed/Reported XX/XX/year>, which is incomplete, misleading, and inaccurately reported. Despite multiple formal disputes sent to each credit bureau, none of these errors have been fully corrected or removed, and I continue to experience credit denials, increased rates, and reputational harm due to the bureaus failure to maintain accurate, complete, and verified information as required under FCRA 607, 609 ( a ) ( 1 ), and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My Venmo account was improperly closed after Venmo incorrectly concluded that my account was a duplicate of another individuals account. 

I am a separate individual with my own identity and my own Venmo account. I did not create multiple Venmo accounts, and I do not own, control, or operate any other Venmo accounts. 

Venmo appears to have mistakenly linked my account to a relatives account based on internal device or association data. At some point in the past, I XXXX have accessed my own Venmo account from a shared device. XXXX device usage does not establish account ownership, control, or a violation of the Venmo User Agreement. 

Venmo closed my account and issued a XXXX Venmo XXXX without first requesting identity verification, without identifying any specific policy violation, and without providing a reasonable opportunity to address or correct the alleged issue. I did not request account closure. 

This closure was not the result of fraud, misuse, or any violation on my part. It resulted from XXXX incorrect aggregation of accounts belonging to different individuals. 

Attached documentation supports this sequence of events : XXXX. XXXX This email states that my account was canceled and that a final statement was issued, despite the fact that I did not request account closure. 
XXXX. Venmo_Login_Error_Account_Not_Found_After_Closure.png This screenshot shows that XXXX system no longer recognizes my email address as associated with an account, confirming that access was fully terminated as a result of XXXX action. 

I am requesting that Venmo : XXXX. Acknowledge that my account belongs to a separate individual XXXX. Correct its internal records to reflect this distinction XXXX. Reopen my account, or alternatively provide a clear, written explanation of the closure supported by specific facts or evidence XXXX actions caused an unwarranted loss of access to my account and disrupted my ability to use a financial service without a fair or accurate review process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and potential violations on my credit reports with TransUnion and Experian. Both reports list a hard inquiry from XXXX XXXX dated XX/XX/year>, which I did not authorize, provide consent for, or initiate, potentially violating FCRA 604 ( a ), 605 ( a ), 605, and 611 regarding permissible purpose, reporting limits, and disputing inaccurate information. Additionally, both reports include a collection account from Credence RM with AT & T as the original creditor and a balance of {$1500.00}, which has not been properly validated as required under FDCPA 807, 808, 809 and may be inaccurately reported in violation of FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 611, and 609 ( a ) ( 1 ). These inaccuracies have negatively impacted my credit and caused undue stress.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
After reporting unauthorized transactions, Santander Bank failed to restore account access, failed to close or reissue the compromised account, and denied online banking access while transactions remained posted. 
This resulted in a prolonged account lockout, inability to dispute or monitor transactions, and ongoing financial harm. I am requesting regulatory review of Santanders post-fraud handling, access denial, and failure to remediate.

I put in 4 claims with santander bank and they denied every one blocked online access so I couldn't monitor and refused to close or resign my 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have went to my bank Citizens Bank XXXX XXXX Pa at address XXXX XXXX XXXX XXXX when I came inside the bank that is in a a giant supermarket. I asked the bank teller if I can speak to a manager. I need to deposit my checks. She replied and said that there isnt a manager there. I told her that I needed to deposit my checks. She again replied. That I cant cash my checks I would have to deposit them. I said I know the manager. He would cash the checks or make a separate amount that I can take. She then took my checks and was looking at them. I asked to give them back. Why she was being XXXX and disrespectful toward me a lady started calling me names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
I recently disputed the XXXX XXXX with all three credit reporting agencies Experian, Equifax and TransUnion on the same day with the same information. TransUnion and Equifax are reporting inaccurate and unverifiable information about XXXX XXXX, collection accounts. Experian has deleted these collection accounts after reinvestigation. On XX/XX/year> Experian deleted the accounts as unverifiable. Equifax and TransUnion continue to report the accounts with inaccurate and conflicting information, placed for collections, duplicate remarks and inconsistent dates. XXXX XXXX ( XXXX XXXX XXXX ) has not provided proof of the debt, the original creditor or their legal right to collect. Reporting and continuing to report this unvalidated debt violates the XXXX XXXX XXXX ( 15 U.S.C. 1681s-2 ). On XX/XX/year> I also sent out certified cease and desist communications from harassment with excessive calls, texts messages and emails unless providing proof of the debt, the original creditor or their legal right to collect. And XXXX Funding ( XXXX XXXX XXXX ) continues to contact me and is a violation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ). Accounts for XXXX Funding : XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: AL

Complaint narrative:
Account Type : FHA Mortgage Lender : XXXX XXXX XXXX XXXX Original Loan Amount : {$110000.00} Account Opened : XX/XX/XXXX Account Closed / Paid in Full : XX/XX/XXXX Final Loan Payment : {$120000.00} Narrative : My spouse and I maintained a XXXX XXXX FHA mortgage for over XXXX  years. In early XX/XX/XXXX, while the account was in a protected loss-mitigation status, XXXX XXXX XXXX XXXX accept a full payoff of the mortgage balance. My wife attempted to make the full payoff payment at that time by phone. XXXX XXXX representatives advised that the payment could not be accepted by phone and must be made in person at a branch location. 

Later that same day, my XXXX  went to our local XXXX XXXX branch to complete the payoff. Branch staff advised her that it was too late in the day to process the payment and instructed her to return the following business day. 

On XX/XX/XXXX, my wife returned to the branch and paid the mortgage in full. The account balance was reduced to {$0.00}, the mortgage was closed, and foreclosure proceedings were discontinued. 

Despite the mortgage being paid in full and closed, XXXX XXXX subsequently reported the account as XXXX  days delinquent with a {$0.00} balance. This derogatory reporting occurred after the payoff date and was furnished to multiple credit reporting agencies on different dates in XXXX XXXX. 

As of today : The account shows a {$0.00} balance The mortgage is closed Foreclosure was discontinued No amount is owed However, the account continues to be reported as delinquent, which is inaccurate and misleading. The brief delay between the payoff authorization date and the actual payment was solely due to XXXX XXXX refusal to accept payment by phone and the branchs refusal to process the payment late in the day. 

Actions Taken : Mortgage paid in full on XX/XX/XXXX Account closed with XXXX balance XXXX XXXX XXXX regarding inaccurate credit reporting XXXX XXXX stated that because payment was not completed on the same day as initially requested, protected status was lost and they would not correct the reporting Resolution Requested : I am requesting that XXXX XXXX correct all inaccurate credit reporting related to this account and update the tradeline to accurately reflect a paid, closed mortgage without delinquency. Reporting a paid-off mortgage with a XXXX balance as XXXX  days late does not accurately reflect the true status of the account and unfairly penalizes borrowers who acted in good faith.

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