vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2900.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$900.00} XXXX XXXX XX/XX/XXXX, Balance : {$16000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
Central Bank XXXX XXXX XX/XX/year> XXXX XXXX dollars to open and establish credit XXXX XXXX handled the interaction unprofessional by breaking policy rules by using her phone number to manage my account. Asked to close account and they refused to give my ID back and had to wait for 4 days to get back. 
The benefits of identity protection by the bank were a scam and my identity was stolen by employees for insurance claims.

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 2025-12-29 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: VA

Complaint narrative:
I dispute the following accounts on my Experian credit report. These entries are either incorrect, incomplete, or misreported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : 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 2025-12-29 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: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of
the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year>, I tried sending my {$2600.00} rent payment to my landlord via XXXX, which I had been doing for months. Other than late XXXX when I had the same problem, I had no problems. However today like in XXXX, there was an error that said " Your payment can't be completed right now. Something went wrong and we couldn't complete this payment. Try again another time. '' I tried different bank accounts and even different recipients, but that same error message kept popping up. I even tried breaking it up into pieces ( like {$900.00}, {$800.00} ... all the way down to {$500.00}, but that didn't work ). 

XXXX  pointed me to their Help Center articles, when I clicked on their contact page, but their Help Center was not helpful. So then I tried their AI chat, but that was not helpful and did not solve my problem. Did not come close to addressing it. So I tried calling, but none of the pre-programmed routes fit my problem, and when I tried one of the problems they suggested, they just referred to their Help Center AGAIN, and did not even have an option to talk to a real person. 

After this, I tried the AI chat again, and managed to chat message with a live person, but he couldn't solve my issue, and he gave me the phone number. When I told him, I tried it already, he said that is all he could do. 

So then I tried calling again and clicked random numbers ( offered by their automated system ) that did not align with my problem in a desperate attempt to speak to someone. After 10 minutes of trying this, I was finally put in line to speak with someone. Finally, after waiting over 20 minutes, I was connected with someone who said the issue was their automatic security system, and there was nothing he could do. I was just not able to pay rent. He could not explain why he or anyone else could not override the system when there is a clear, sincere case like mine where I have proven my identity and issue. I asked to speak to his manager, and he put me on hold where he proceeded to end the call and they disconnected me. Absolutely horrible service, especially after taking over an hour just to figure out a way to speak to ANYONE at the company. None of my bank accounts work via the app, and now I can not send my rent over, and I fear ramifications from my landlord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint as my XXXX  ROUND of complaints regarding the continued failure of XXXX XXXX XXXX XXXX and Experian Information Solutions , Inc. to correct inaccurate, outdated, and unverifiable personal identifying information in my credit files, despite multiple disputes and prior complaints. 

This matter reflects a pattern of repeated noncompliance, not an isolated error. Both XXXX  and Experian have been provided my correct and verified identifying information multiple times and have failed to permanently remove incorrect names, addresses, and identifiers from my consumer files. Their continued inaction exposes me to identity theft, misattribution of accounts, and ongoing financial harm. 

Correct and Verified Personal Information ( ONLY information that should appear on my credit reports ) : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Despite XXXX rounds of disputes and complaints, XXXX  and Experian have failed to conduct a reasonable reinvestigation and have failed to maintain maximum possible accuracy, as required under federal 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi AAdvantage Platinum Select credit card during an XXXX XXXX flight on XX/XX/XXXX ( XXXX XXXX, confirmation XXXX  ) using an in-flight brochure advertising XXXX AAdvantage bonus miles after {$1000.00} in purchases within 3 months and 0 % APR for 15 months on balance transfers. My application was approved, but my account reflects a different offer : XXXX miles after {$2500.00} in purchases, and the advertised balance transfer promotion is not clearly applied. I contacted Citi multiple times by phone and email and was issued case # XXXX. Citi later stated they can not provide a written determination and directed me back to phone support. I am requesting that Citi honor the advertised in-flight promotional offer or provide a written explanation for denying it.

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 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint because for several months I have identified accounts and inquiries on my Experian credit report that do not belong to me. I have repeatedly requested that these accounts be blocked and removed, as well as that the fraudulent inquiries be deleted, yet I have not received an effective resolution to date. 

This situation is causing serious damage to my credit history and financial stability. I can not and will not take responsibility for fraudulent accounts that I did not open or authorize. 

XXXX XXXX  Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX Inquired on XX/XX/year> XXXX  XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX  XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> 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 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Good day, I can not stress enough how frustrating and debilitating this situation is. 
One day, I woke up to discover a debt that I know nothing about, which is unverified and not mine. 
I have been receiving harassment through multiple communication platforms using various tactics. 
I never imagined starting my day with threats of legal action. 
This is deeply insulting to me as a law-abiding citizen, with my consumer rights blatantly violated. 
It is taking a significant toll on my mental health, leading to sleepless nights for days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NV

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit reports, as I believe they contain inaccuracies or incomplete information. Please review the following details for each bureau : Charged Off Accounts XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5100.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$210.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/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 2025-12-29 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
Freedom Financial charged me {$300.00} fee after I paid off a reinstatement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
XXXX XXXX is showing up on TRANSUNION and XXXX  but not XXXX. I have attempted to get information on how this is being verified and TRANSUNION and XXXX  refuse to delete an unverified debt.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX my wife used her debit card linked to our joint account at Wells Fargo at a XX/XX/XXXX gas pump. We believe her information was stolen from a card skimmer attached to the gas pump. On the same date the skimmed card information was used to transact XXXX purchases totaling {$11000.00} in fraudulent charges from a website named XXXX. We were unaware of this app/website 's existence and have never used this website or bought anything from this website. Additionally, XXXX transaction of {$220.00} was fraudulently made through XXXX. Neither my wife or I have ever used this app/website or purchased any bets through the platform. On XX/XX/XXXX, the same day the fraud occurred, we informed Wells Fargo of the fraud, they informed us they would conduct an investigation into the fraud and report their findings in 10 days. We did not receive any report, email, or call back. Instead I called back on XX/XX/XXXX and was told or fraud claim was denied. I was told on the phone that their basis for the denial was there was not enough evidence to support that the transactions were fraudulent. Neither my wife or I ever made, approved, or had anyone else make any of these transactions.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint to formally dispute multiple addresses, name variations, and outdated employer information that continue to be inaccurately reported on my credit report. Despite repeated disputes and months of correspondence, these inaccuracies remain. This ongoing reporting of incorrect information constitutes a failure to maintain accurate, complete, and verifiable records as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. 

Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Name : XXXX XXXX XXXX Employer XXXX XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/year> These addresses, name variations, and employer records are either outdated, inaccurate, or not associated with me. Their continued reporting despite prior disputes represents non-compliance with FCRA requirements 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
After obtaining and reviewing my consumer credit reports, I discovered multiple accounts and collection entries that I did not authorize, did not open, and do not recognize. These accounts were reported with materially inaccurate and inconsistent information across the credit bureaus, including improper charge-offs, misreported payment histories, and conflicting delinquency dates. 

Several items appear to have been re-reported or reassigned without proper verification, and some accounts are reported as paid or settled while simultaneously showing derogatory activity. These inaccuracies strongly indicate unauthorized use of my personal information and failures by furnishers and consumer reporting agencies to ensure accuracy. 

The presence of these fraudulent and unverifiable accounts has caused significant financial harm, emotional distress, and interference with my ability to obtain housing and funding. I completed and notarized an identity theft affidavit and am filing this report to formally document identity theft and fraud and to support the immediate blocking, removal, and correction of all related accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief