vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing several derogatory accounts that are being incorrectly reported on my credit report.

The following accounts are showing as late payments, charge-offs, collections, or delinquent even though this information is inaccurate and unverifiable : XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX I have previously disputed these accounts with the credit bureaus and/or the furnishers, but they remain on my report without proper verification.

Under the Fair Credit Reporting Act ( FCRA ), any inaccurate or unverifiable information must be deleted.

I am requesting that these accounts be removed ( deleted ) from all credit bureaus XXXX, Equifax, and XXXX  and that my credit report be updated accordingly.

Please provide written confirmation once the deletions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXXXXXX XXXX XXXX XXXX XXXX Balance {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OK

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. XXXX, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. XXXX of the XXXX to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the XXXX and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to XXXX or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to WELLS FARGO HOME MORTGAGE dated XXXX XXXX,2025, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), WELLS FARGO HOME MORTGAGE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since WELLS FARGO HOME MORTGAGE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure WELLS FARGO HOME MORTGAGEs immediate compliance with FCRA requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documentation to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson capital a debt buyer purchased I'm guessing in the bankruptcy of XXXX and badcock ect old accounts which it has marked as current accounts I know mine is well over XXXX XXXX XXXX but now shows up as new as of XX/XX/XXXX badcock closed its doors in XX/XX/XXXX and wasn't making new credit accounts I disputed this as the age of account was too old and it came back from XXXX as a valid current account I refiled the complaint showing the bankruptcy sell off documents on the legal page and am awaiting another response have seen a number of other customers from many years past experiencing this same problem where decade old debt from a bankrupt company XXXX XXXX has been re-aged and showing up as a negative mark this account is well over the XXXX  years age since it was closed as old as XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am filing this formal complaint against Citibank regarding the application and subsequent permanent, unjustified closure of my Citi XXXX XXXX credit card account, which has resulted in an unauthorized fee charge, severe damage to my credit profile, and the bank engaging in deceptive business practices. 

The process began on XX/XX/XXXX, with the submission of my application, which initiated a hard inquiry and immediately impacted my credit score. My account was approved on XX/XX/XXXX. Crucially, on XX/XX/XXXX, Citi charged the full {$590.00} annual membership fee. Just eight days later, on XX/XX/XXXX, my account was abruptly restricted, and I was required to provide the 4506 IRS form for verification. This constitutes an unauthorized charge for a service that was immediately rendered unusable. 

I fully complied by sending the 4506 form, which was delivered on XX/XX/XXXX. Despite repeated calls on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX, I was consistently given vague assurances that the issue was " being processed '' and would take " about a month, '' resulting in an unacceptable delay loop. 

The most egregious action occurred on XX/XX/XXXX, when I received an email from Citi. This email explicitly promised that once the verification was complete, they would fully credit the {$590.00} annual fee and award the XXXX ThankYou Points, without the need to meet the spend requirement. This written assurance proved to be a delay tactic. Although the restriction alert briefly vanished on XX/XX/XXXX, I was shocked to find on XX/XX/XXXX, that my account had been PERMANENTLY CLOSED by the creditor. When I finally reached the relevant department on XX/XX/XXXX, I was informed the account can not be reopened, with no immediate, clear reason provided. 

Citi 's Violations and Resulting Harm This series of events demonstrates a pattern of bad faith. Citi violated its own written promise, charged a {$590.00} fee for a non-functional product, and then unjustly closed the account. The combination of the initial hard inquiry and the permanent closure of a brand-new account ( less than three months old ) has inflicted severe and unnecessary damage to my credit report and XX/XX/XXXX score XXXX which is unacceptable given my full cooperation and the bank 's own written admission of fault.

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 monetary relief
Consumer complaint received 2025-10-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the violation of my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and the resulting financial injuries I have suffered as a direct consequence of your institutions actions. This notice is submitted by affidavit and serves as a formal statement of claim. I hereby assert the following violations, damages, and demands for resolution : Violation of Gramm-Leach-Bliley Act Rights As a consumer, I reserve the right under 15 U.S.C. 6802 of the GLBA to opt out of the sharing of my nonpublic financial information with non-affiliated third parties, including consumer reporting agencies. Your institution failed to provide me with the required privacy disclosure informing me of this right or instructions on how to exercise it. This omission constitutes a direct violation of the GLBA and its implementing regulations. Financial Injury Due to Noncompliance. Due to your institutions failure to comply with federal disclosure requirements, my personal financial information was unlawfully furnished to one or more consumer reporting agencies without my informed consent, resulting in : A violation of my right to privacy Loss of credit opportunities Damage to my credit and creditworthiness Wage loss and related financial harm Emotional distress and reputational injury

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under the law 15 US code 1681 a ( 4 ) I am supposed to have a right to privacy being posted a big rip on my credit report which they wasnt supposed to do the XXXX XXXX XXXX said they did not share information with the credit bureau so I would like to have it removed because experien posted it without any proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
On XX/XX/year>, I received a solicitation from Wells Fargo Bank with an offer for additional rewards, " Earn 50 % cash back on your My Wells Fargo Deals Entertainment Category Offer purchase! '' The top of the details mention there is a {$100.00} cash back maximum. I activated the offer, knowing that there was an artist in town that I wanted to purchase tickets for. I discussed the matter with my wife, then decided to purchase the tickets with the understanding that I would receive {$100.00} back on the purchase of {$200.00}. Absent this solicitation, I would not have made this purchase. 

On XX/XX/year> I made a purchase for {$210.00} at XXXX, a ticket retailer. At that point in time, there was no indication in my account that the offer was used or redeemed. 

On XX/XX/year>, my account reflected that " {$22.00} '' was earned. I was confused why this number was so low. I contacted the bank at their customer service number on my credit card. 

The individual I spoke to told me they would open an investigation into the dispute, but would need 10 days to respond. When I finally got the letter over two weeks later, I was given little explanation and told my request was denied. I called the number on the letter and clarified that I was wanting to utilize the offer on my {$200.00} ticket purchase. I was told that I would receive another response after an investigation and 10 days. I received another letter claiming it was a " one time offer '' so it could not be applied. 

Ultimately I think the credit was related to a visit I made to the XXXX XXXX on the evening of XX/XX/year>. However, the credit was issued on XX/XX/XXXX, after I had made the XXXX  purchase. It was deceptive for Wells Fargo, knowing I had a large purchase in place, to find somewhere I happened to use my credit card and apply it there instead, knowing there was about {$80.00} difference between the {$22.00} credit I received and the {$100.00} credit I was entitled to for the XXXX purchase. I made the XXXX purchase because I was induced by Wells Fargo, then they failed to uphold the bargain they advertised to me. 

Most recently this decision was confirmed to me again on XX/XX/year>, in a letter from " XXXX XXXX. '' Case # XXXX. They indicated that the {$22.00} was applied on XX/XX/XXXX, for {$22.00}, with no explanation for why the larger amount was not used other than it was a " one-time offer. '' They said they are " unable to apply it to a different transaction. ''

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 monetary relief
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year>2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Having always met my payment obligations on time, I find it troubling to see a late payment recorded on my account. This error is causing undue stress, and I urge you to address it immediately by correcting my records.

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