vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must XXXX any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be XXXX : ACCOUNTS : XXXX XXXX - XXXX * * * * XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX INQUIERES : XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX As required by XXXX XXXX XXXX, please XXXX  this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the XXXX, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-07-31 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 2025-07-31 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: AL

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Bread Financial charged me a 2nd late fee while I was awaiting the results of my initial CFPB complaint of the 1st late fee.

This is NOT a late fee for a missed minimum payment, only for an unpaid late fee. This violates guidance on pyramiding late fees.

The only outstanding balance at that time was a previously charged late fee.

My current balance as of today is : {$37.00} late fee {$2.00} interest charge {$37.00} late fee {$76.00} total Charging a late fee solely because a prior late fee was unpaidalso known as pyramiding late feesis considered an unfair practice under federal consumer protection guidance. I respectfully request that this fee be removed and that my account be adjusted accordingly.

Please confirm in writing that the fee has been waived and that no negative reporting related to this matter will be submitted to the credit bureaus.

I will pay the balance in full and expect to be reimbursed for the 2nd late fee. 

I requested the full terms and conditions for the XXXX XXXX card and they hung up on me twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Regarding : XXXX 's response to CFPB XXXX. XXXX states ; " The Firm proactively charged the clawback on XX/XX/year> and immediately offset the clawback with the goodwill funds of the same amount as a courtesy to you and at your request to keep the full bonus. '' & " Please note goodwill credits are considered income and are tax reportable. '' It does appear Robinhood has completely misunderstood ( or intentionally disregarded ) the point I have repeatedly made.

1. Robinhood forced the account closed. I did not concur.

2. Without my consent, Robinhood instantaneously withdrew a Clawback fee amount equal to the bonus, without any action taken on my part. I had not initiated an ACAT or any action to close account. 
3. Robinhood you never met the original contract or terms of the offer and forced the account closed.

4. The good will credit helps, but does not meet the obligations of Robinhood regarding the situation.

5. Robinhood should have waived the Clawback fee, they did not and now as a result, I will have to pay {$2000.00} in taxes on money I did not receive, because Robinhood offset the goodwill credit with an instantaneous Clawback of same amount. 
6. The ethical, legal, correct, and clear solution would have been to waive the Clawback fee.

7. To meet Robinhood 's obligations, Robinhood must compensate me for the additional taxes owned on money I never received as you applied a credit and instantaneously applied a Clawback fee of the same amount. 
8, It almost appears to be a trick to punish a customer who met their part of the agreement, because the customer complained when Robinhood failed to honor their side of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Identity Theft and Fraudulent Credit Applications Urgent Request for Enforcement Action To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, residing at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am writing to file a formal dispute and demand regulatory enforcement action regarding unauthorized credit inquiries and fraudulent credit applications submitted to Citibank , N.A . on behalf of Best Buy branded credit cards, which appear on my XXXX  credit report. 

I am a victim of identity theft, and my information was used without my consent to apply for credit cards I never requested, authorized, or benefited from. The inquiries in question were : XX/XX/XXXX listed as in person XX/XX/XXXX listed as via mobile XX/XX/XXXX listed as online I have submitted multiple complaints to the CFPB under Case Numbers : XXXX XXXX XXXX Despite this, Citibank has repeatedly dismissed my complaints without providing any evidence that I initiated or authorized these applications, nor have they taken appropriate steps to investigate the identity theft I reported. 

What makes the situation even more egregious is that Citibank itself rejected all of these applications, citing reasons such as : Insufficient credit history Lack of open accounts These denials are consistent with fraudulent applications initiated by someone impersonating me.

> Citibank has not provided any signed documents, IP logs, device IDs, in-branch security footage, or any form of verification tying these applications to me. 



Furthermore : Citibank is in violation of the Fair Credit Reporting Act ( FCRA ) and FACTA, which require a reasonable investigation of disputed information. 

The burden of proof lies with the furnisher ( Citibank ), yet they have only issued copy-paste responses and continue to report damaging inquiries on my report. 

I have also provided an identity theft affidavit and documentation showing I did not authorize 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 explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX  ] Account Number XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 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 2025-07-31 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: NJ

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). On XX/XX/year>, TransUnion removed XXXX XXXX XXXX loan accounts ( Account XXXX. XXXX ) from my credit report. On XX/XX/year>, TransUnion reinserted the same accounts without sending me the required written notice within five business days.

FCRA requires that a credit bureau notify consumers in writing when previously deleted information is reinserted. This notice must include the name and contact information of the furnisher and inform me of my right to dispute. I received no such notification. 

I sent a written dispute to TransUnion on XX/XX/year>, identifying the reinsertion violation and requesting removal. Their response failed to address the reinsertion or provide documentation showing the furnisher certified the informations accuracy prior to reinsertion. I have attached the letter dated XX/XX/XXXX, and Transunion 's response dated XX/XX/XXXX where they only updated the pay status of XXXX account. They did not address the FCRA violation of reinsertion mentioned above. 

I sent a follow-up letter on XX/XX/XXXX reiterating these concerns and requesting documentation, certification, and disclosure of the method of verification, as required under FCRA 611 ( a ) ( 6 ).

I am requesting that the CFPB investigate TransUnion 's noncompliance with the FCRA, require deletion of reinserted accounts unless properly certified, and enforce federal standards for consumer notice and reinvestigation.

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 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I authorized and initiated a wire transfer of {$5900.00} USD through JPMorgan Chase Bank N.A.. The payment was legitimate, intentional, and properly sent from my account.

However, Chase failed to complete the transfer as expected. After many weeks of delays and unanswered inquiries, Chase eventually informed me over the phone and in writing that they had only recovered {$1700.00} XXXX, which they returned to me via check on XX/XX/XXXX. To this day, the remaining {$4100.00} XXXX  has not been returned. 

In a formal letter dated XX/XX/XXXX, Chase confirmed they had closed the case and would not assist me further despite being the institution that initiated the wire transfer and is responsible for the outcome. No investigation details were shared. No evidence was provided. No solution was offered. 

I have followed up multiple times and received no resolution. Chase has shown negligence and indifference, ignoring their responsibility and leaving me without the majority of my funds for over 16 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 explanation
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
On XX/XX/year>, I submitted an identity theft block request to Experian, Equifax and Transunion under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ]. I included a copy of a valid police report with a report number, a written dispute statement, a copy of my government-issued ID, and a recent utility bill all of which fulfill the legal documentation requirements for an identity theft block. 

Experian, Equifax and Transunion rejected my request, claiming they could not block the disputed item because I did not provide proof that the police report was received or a confirmation email from the law enforcement agency. This response is not supported by the FCRA. The law only requires that a police report be filed, not that a consumer must also obtain a separate written confirmation of its receipt. I submitted the report itself with a report number, which clearly shows that the report was filed. 

Experian, Equifax and Transunion is unlawfully refusing to process my identity theft block request by imposing requirements that do not exist under the FCRA. This failure to act has left fraudulent information on my credit report, which continues to harm my credit standing and violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing this formal complaint against Goldman Sachs Bank USA, the issuer of the Apple Card, for inaccurately reporting the status of a closed account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 and 1681e ( b ).

The Apple Card account in question has been closed ; however, Goldman Sachs continues to report the account with an inaccurate status that either misrepresents it as open, delinquent, charged off, or otherwise active when it is not. This misreporting is negatively affecting my credit profile, score, and overall financial standing. 

I previously contacted both Goldman Sachs and the credit reporting agencies to dispute the incorrect status and requested a correction per FCRA 1681i. However, no sufficient correction has been made. Goldman Sachs has failed to meet its legal obligation to accurately furnish information and correct any errors after being notified of a dispute.

Violations include : Failing to report accurate and complete information under 1681s-2 ( a ).

Failing to conduct a reasonable investigation upon receiving a consumer dispute under 1681s-2 ( b ).

Reporting information that is outdated or misleading, which violates 1681e ( b ).

As a consumer, I have the right to : An accurate and fair credit report, Have any incomplete or inaccurate information corrected or removed, and Receive confirmation of the results of a reinvestigation within 30 days.

This account is closed and should be reflected as such with a {$0.00} balance and no delinquency if none existed at the time of closure. The current reporting by Goldman Sachs is materially false and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: OR

Complaint narrative:
Violation of our consumer rights under FCRA Section 623 ( a ) ( 3 ) [ 15U.S.C. & 1681s-27 ( a ) ( 3 ) Duty to provide Notice of Dispute Lending Disparities Fair Lending Analytics The NCUA identified `` Compliance Management System weaknesses They have violated consumer protection laws that require transparency and proper notification regarding changes to services.

a ) Failure to provide Required Disclosures B ) Fraudulent Adverse Actions-Fraudulent Credit Reporting C ) Unfair & Deceptive Practices Act

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 2025-07-31 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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