vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: NY

Complaint narrative:
I am filling this complaint regarding systemic violations of the Fair Credit Reporting Act by Experian, XXXX XXXX and multiple data furnishes. 
My Credit report contains accounts reported as charged off or bad debt while simultaneously reporting {$0.00} balances, {$0.00} past due amounts, and no monthly payments obligations. This reporting is facially inaccurate and misleading. 
Additional accounts are reported with balances after the furnished states that a dispute investigation is complete. Without disclosing the method of verification as required by law. 
The same trade lines are reported with contradictory statuses across consumer reporting agencies, including open, closed, current, derogatory, and unknown, for the same account and time period. This alone proves that maximum possible accuracy has not been maintained. 
My reports also include multiple dismissed bankruptcy filings ( ( 2 ) chapter 7 and chapter 13 ) that resulted in no adjudicated debt, no discharge, and zero liability, yet continue to be reported as adverse credit events. The U.S. Bankruptcy Court does not furnish data to credit reporting agencies, and dismissed cases are not determination of debt. 
Several accounts show re-aged status updated dates in XXXX on accounts opened in XXXX, improperly extending the reporting per. 
These practices violate : * 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) * 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) * 15 U.S.C. 1681s-2 ( b ) ( continued furnishing after dispute ) I am requesting immediate delegation, not correction, of all unverifiable and misleading trade lines and public record entries, written confirmation of deletion, and disclosure of the method of verification for any item claimed to be accurate. 
Continued reporting constitutes negligent and willful noncompliance.

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 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self Financial / XXXX XXXX  is reporting inaccurate and contradictory information on my credit report regarding a secured credit card account. I have attached a billing statement dated XX/XX/XXXX that directly contradicts how this account is being reported to the credit bureaus. 

The credit report shows the account as : Closed as of XX/XX/XXXX Reported with profit and loss write-off remarks Reflecting severe delinquency ( up to XXXX days late ) However, the attached statement clearly shows : A new balance of {$210.00} A minimum payment due of {$210.00} A payment due date of XX/XX/XXXX A past-due amount of {$210.00} Ongoing billing activity well after the reported closure date A closed and written-off account can not legally continue to generate billing statements, demand minimum payments, and simultaneously be reported as closed or charged off. This is internally inconsistent, misleading, and violates FCRA 611 and 623, which require furnishers to report information that is accurate, complete, and to conduct a reasonable investigation when a dispute is filed. 

I disputed this account with the credit bureaus, and it was improperly verified without correcting these clear inaccuracies. Verifying contradictory information without reconciling the billing evidence demonstrates a failure to conduct a reasonable reinvestigation. 

Harm Caused : This inaccurate reporting is damaging my credit profile by inflating delinquency, utilization, and derogatory history based on information that conflicts with the creditors own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 
The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully 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 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: KY

Complaint narrative:
On Monday, XX/XX/year>, I connected with chat on the Dave app & asked that my ACH be stopped & that they help me make arrangements to pay back my balance. The AI chatbot connected me to a human customer service rep. I explained to them that Im disabled and that I have XXXX XXXX I have a BIG copay for meds that Im going to have to make and I need my ACH stopped & to make arrangements to pay back my balance. I was told they couldnt do that because I had a balance. I told them that this is illegal, that its law that I can ask to have it stopped & they had to work with me to pay back my balance. They kept refusing and repeating that they couldnt stop the ACH because I have a balance. While I was on the phone with them, I texted my cousin, who is an attorney. He told me that what they were doing is illegal and to tell them that my attorney would be in touch and that I was going to file a complaint with you all & my state attorney generals office. I told them this. They told me that they would get me in touch with a supervisor and that the supervisor would email me. About XXXX hours later, I got an email from a supervisor repeating THE SAME INFORMATION the chat reps had. It said to reply to the email if I had any more questions. I did, but never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
On Monday XX/XX/year>, around XXXX XXXX  at night. A repossess agent showed up to the apartment complex where I reside, to try to repossess my vehicle. I went down running downstairs to approach the agent. I told him that " he can't take my car '' because I have a dispute with the lender ( TFS ). He then proceeded to threatening me to say that he doesn't care and stated that the police were on the way to assist him with repossession, if I refused to not give up the vehicle. I told him that the police didn't have to be there to assist him because it was a civil matter, not a criminal matter. I then opened the vehicle door and got inside of it and remained inside of it the whole encounter. Around XXXX XXXX, 2 police officer showed up to the scene. I explained to them that they didn't have to be there because it was a civil matter, not criminal. They were also aware and understood the whole situation about the repossession process. The police then explained that to the agent. Then the agent got out of the tow truck came up to me again and said that he will be there all night. I told him that I will be there all night also. I also explained to him that he violated federal and state code 15 U.S. Code 1692f, by going to a private property to take private property. He argued that the apartment complex wasn't a private property, which it says it on the lease and all the information provided about the apartment complex. One of the officers got in contact with his supervisor and told the agent that he has to put down the vehicle and release it, which the agent didn't have no choice but to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I submitted XXXX XXXX Victim Determination documentation pursuant to FCRA 605C ( 15 U.S.C. 1681c3 ) to all three nationwide consumer reporting agencies.

The documentation was issued by two qualified victim service providers. One agency reviewed the documentation, accepted it as valid, blocked the adverse credit information associated with XXXX, and formally closed the case. 

A second agency acknowledged receipt of the documentation and partially complied by removing hard inquiries but failed to block all adverse information resulting from XXXX. 

A third agency received the same documentation but refused to comply, asserting verbally that the documentation was invalid while failing to issue any written determination or legal basis for rejection. 

I made multiple attempts to resolve these issues directly. One agency redirected me to an online dispute portal not designed for XXXX-related statutory blocks. Another relied on verbal denials without written response. 

Because one nationwide consumer reporting agency fully complied using substantially similar documentation, the continued refusal or partial compliance by the other agencies represents inconsistent and selective application of FCRA 605C. 

I am requesting CFPB intervention to require full compliance with federal law, including blocking of all adverse information resulting from documented XXXX XXXX and preventing reinsertion.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am submitting this fourth-round dispute regarding the ongoing and persistent inaccuracies appearing on my Equifax, Experian and TransUnion credit report, which continue to misrepresent my financial history and impede my ability to access credit on fair and accurate terms. Despite multiple previous disputes and the supporting documentation I have provided, these errors remain uncorrected, reflecting a disregard for the obligations imposed by the Fair Credit Reporting Act ( FCRA ). The continued reporting of inaccurate information is unacceptable and has caused significant frustration, reputational harm, and potential financial detriment. I am formally requesting a thorough, aggressive reinvestigation and correction of each inaccuracy in strict compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 2 ), and 605 ( a ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, HI XXXX XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00}

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX XXXX XXXX store credit card issued by Citi Cards, account ending in XXXX, which was opened as a result of identity theft. I did not open, authorize, or use this account for any purpose. I never applied for this credit card and have never made any purchases or payments on it. 

I first became aware of this fraudulent account when I reviewed my credit report in or around XX/XX/year>. Upon discovery, I immediately contacted both XXXX XXXX XXXX XXXX and Citi Cards to report that I was a victim of identity theft. Since that time, I have disputed this account multiple times in writing and requested that a proper investigation be conducted and that the inaccurate reporting be corrected. 

Despite my repeated disputes, the account issuer, Citi Cards, has failed to conduct a reasonable investigation. The bank continues to insist that the account was opened by me, yet has not provided any valid evidence, application records, or physical identity verification to support its claim. In addition, my full legal name is misspelled and incomplete on this account, which further demonstrates that the account was not legitimately opened by me. 

Although the account remains active and is currently past due, it has not yet been reported as delinquent. However, any reporting of a past-due status is inaccurate, misleading, and harmful. I am not responsible for any charges, balances, or late payments associated with this account. 

I have filed an identity theft report and taken reasonable steps to protect my credit. However, Citi Cards and XXXX XXXX XXXX XXXX continue to ignore my identity theft claim and have failed to correct or remove the inaccurate information from my credit reports. 

I am requesting that Citi Cards and XXXX XXXX XXXX XXXX conduct a proper and lawful investigation, acknowledge that this account resulted from identity theft, permanently close the account, and remove all inaccurate and negative information related to this account from all consumer reporting agencies.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting this complaint regarding U.S. Banks refusal and failure to assist me in recovering a {$2200.00} XXXX payment that was sent in error to an unknown recipient due to a single-digit phone number entry mistake. 

XXXX is explicitly marketed and intended for transfers only between known friends and family. In this instance, I did not know the recipient, had no prior relationship with them, and did not intend to authorize payment to this individual. The transaction was the result of a clerical input error, not an authorized payment to a known party. 

Immediately upon discovering the error, I promptly notified U.S. Bank and filed a formal claim, clearly explaining that : The recipient is someone I do not know I mistyped the last digit of the phone number I never intended to authorize payment to this individual The payment was not for goods or services The transaction was mistaken and unintended Despite this clear notice, U.S. Bank has failed to meaningfully assist, recover the funds, or provide any reasonable remedy. I have been effectively told that no action will be taken, even though : The transaction was reported promptly The recipient is unidentified and unrelated to me XXXX is not intended for payments to strangers The funds remain unrecovered This position is unreasonable, inconsistent with consumer protection principles, and shifts all risk to the consumer even when the transaction was unintended and unauthorized as to the actual recipient. 

U.S. Banks response leaves consumers exposed to irreparable loss for minor data entry errors, despite banks having the ability to contact recipient institutions, freeze funds, or initiate recovery attempts when promptly notified. 

I am requesting that : U.S. Bank reopen and properly investigate this claim U.S. Bank initiate recovery efforts with the recipient bank and XXXX network The {$2200.00} be returned to my account, or U.S. Bank provide a written legal and regulatory justification for refusing recovery when the recipient is undisputedly unknown and unintended I believe U.S. Banks handling of this matter is unfair, lacks reasonable consumer safeguards, and warrants regulatory review. 

I appreciate your prompt attention to this matter and expect a formal 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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Due to unexpected circumstances, I experienced financial hardship that caused a few late payments on my account. During this period, I lost my job, which significantly impacted my ability to make timely payments. Once my situation stabilized, I resumed regular payments.

I am requesting a goodwill adjustment to remove the late payment notation ( s ) from my credit report. I have been a responsible customer otherwise, and this request is based on my prior positive payment history and the temporary nature of my hardship. Removing these late payments would accurately reflect my overall creditworthiness and allow my credit history to better represent my responsible behavior.

Company response to consumer: Closed with explanation