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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this complaint because there are inaccurate or unverifiable items being reported by the XXXX XXXX  credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ). 



Accounts in Dispute Charged Off : DP OF EDUC, XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XX/XX/XXXX Inquiries : None listed Late Payments : XXXX, XXXX XXXX, XXXX XXXX, XXXX Statement : I request that Equifax verify all listed accounts. Any account that can not be verified as accurate or complete should be removed from my credit report. I also dispute the listed late payments, which I believe are incorrect, and request their removal if unverified.

Company response to consumer: Closed with non-monetary relief
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: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
On XX/XX/XXXX I signed up for services through XXXX. the service provides trade alerts for stock options. I have used the service before with no issues but when signing up this time I was not receiving them. I contacted support multiple times with no response, through email, phone and chat. I contacted support on XX/XX/XXXX, XXXX and XXXX providing copies through email providing copies of receipts. After not hearing back I initiated a dispute with Robinhood who I bank through on about XX/XX/XXXX. I provided copies of my attempts to reach out to trade XXXX  support. On XX/XX/XXXX I received a notification from XXXX that my service was cancelled. 10 days into the 30 day subscription service I paid for, still not having received alerts. On XX/XX/XXXX I received a resolution email for my dispute from Robinhood saying they would not issue a refund " because we are not responsible for the delivery, quality, safety, legality, or any other aspect of goods and services that you purchase from others with your Card. Please contact the merchant directly to resolve the matter ''.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reversed a provisional credit for a fraud claim and denied the dispute stating the charge was authorized. I did not authorize this transaction and did not give permission to anyone. The bank claims evidence exists but has not provided any documentation despite my request. No one contacted me during the investigation, and the reversal caused an overdraft. I am requesting copies of all evidence relied upon under Regulation E and a supervisory review.Because this reversal caused an overdraft, Im requesting reversal of all overdraft fees as no evidence was provided when denying claim and reverse provisional credit is directly impacting my small child that I am solely responsible for. 

Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$440.00} Updated contact 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 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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX Account Type : Credit Card - Open Account Date Opened : XX/XX/year> The Error : TransUnion is incorrectly reporting this account with a credit limit of {$0.00}. 
The Facts : XXXX  correctly reports the credit limit as {$2500.00} XXXX  correctly reports the credit limit as {$2500.00} TransUnion incorrectly reports the credit limit as {$0.00} The correct credit limit is {$2500.00}. This error is affecting my credit utilization calculation and my credit score.

Please investigate this error and update my report with the correct credit limit of {$2500.00}.

Below is a copy of all three reports

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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: SC

Complaint narrative:
I have been in unsuccessful loop with Experian who has my former but now disconnected landline as the only way to verify my identity. I can not get a live agent and can not login because they can't verify my identity. I can not apply for credit without lifting a credit freeze so will attempt to do that by mail but that still doesn't correct the problem of Experian having incorrect information and no way to correct it without logging in.

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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am submitting this complaint with absolute certainty and growing frustration due to multiple errors appearing on my credit report. These inaccuracies have persisted despite my efforts to address them and are severely impacting my credit score and overall financial well-being. The continued reporting of incorrect information has created unnecessary hardship and is preventing me from achieving financial stability.

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: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence resource management , LLC is attempting to collect an debt from me that I dont owe them. They continue to call, text, and harass me. I need all debt collection attempts to stop immediately. I never validated or established a debt with this company at all

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few weeks ago I reviewed my credit report and discovered several accounts and hard inquiries that I never authorized. There is no document proving that I ever gave permission for these entities to access my information or report anything on my file. 
When I saw this, I became concerned because it had already affected me without my knowledge. I was denied a loan I needed, and on another financing I received a higher interest rate than I should have. I was being harmed by this situation. 
I did what the law requires I filed a report with the FTC and submitted it directly to the credit bureau. Under FCRA 605B, when a consumer submits that report, the bureau has four business days to block the disputed information, unless it can prove with actual documentation that the consumer authorized those accounts. In my case, that proof does not exist, because I never authorized anything. 
Despite completing the entire process, the information is still appearing on my report. The bureau has not shown me any evidence that I authorized those accounts or inquiries. 
Furthermore, FCRA 604 is clear : no one can access my credit history without a permissible purpose. These inquiries were made without my consent and without any legitimate business relationship with me. 
And FCRA 607 ( b ) requires bureaus to maintain reasonable procedures to ensure that information is accurate. The fact that they continue to report accounts and inquiries with no documentary support shows that those procedures are not working.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding the inaccuracies and disputes involving several items on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau : Charged Off : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$35000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX, Account Number : XXXXXXXX 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against Goldman Sachs ( Apple Card ) for a failure to conduct a reasonable investigation and for violating my rights under the Fair Credit Billing Act ( FCBA ) regarding a " Service Not as Described '' dispute for {$530.00}. 

On XX/XX/year>, I paid for a premium " XXXX XXXX '' XXXX XXXX. The service failed fundamentally : 0 % of the items fit, and the merchant sent black shoes despite an explicit request for brown. Most significantly, the merchant misrepresented the quality of the goods. For example, a " premium '' quarter-zip sweater valued by the merchant at {$75.00} is actually a 100 % acrylic garment available at retail for {$19.00} ( 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 XXXXXXXX ) Goldman Sachs closed my initial dispute ( Ref : XXXX ) with a superficial determination that I " agreed to the merchant 's terms ''. In doing so, the bank ignored overwhelming evidence that the merchant breached those very terms by failing to provide the advertised service. Specifically : Failure to Acknowledge Possession of Goods : The bank seems to have ignored clear evidence that I returned 100 % of the merchandise via the merchants own label. The merchant took delivery on XX/XX/year> ( Tracking : XXXX ). By ruling against me, the bank is facilitating unjust enrichment, allowing a merchant to retain both a {$530.00} payment and the physical inventory. 

Disregard for Objective Evidence : The bank ignored documented fulfillment and quality failures that constitute a breach of contract : Fulfillment : I requested brown shoes ; the merchant sent black.

Quality : The " premium '' service provided a 100 % acrylic sweater, which contradicts their " Presidential '' tier marketing.

Service Performance : Despite a paid consultation, none of the items fit.

Inadequate Investigation : The banks reliance on a " no refund '' policy as a blanket dismissal is a failure to investigate whether the merchant actually performed the service. A " no refund '' policy is not a license for a merchant to misrepresent products or keep money for goods they have reclaimed. 

I have requested the dispute be re-opened and have also requested an investigation results packet from the bank to determine how this evidence was overlooked. I am seeking a full credit for this charge as the merchant is in possession of the returned goods and failed to deliver the service as described.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
YOUR COMPLAINT : 1. XX/XX/year>, I sent a XXXX  payment to XXXXXXXX XXXX  from my XXXX XXXX XXXX account for {$140.00}. 
2. The XXXX payment of {$140.00} was sent directly to XXXX XXXX ( owned by XXXX XXXX ) at telephone # ( XXXX ) XXXX in order for him to use the funds to pay the monthly storage fee at XXXX XXXX ( also known as XXXX XXXX ). 
3. I received a confirmation from XXXX XXXX ( XXXX ) for a payment of {$140.00} on XX/XX/year>. 
4. On XX/XX/year>, I received an email stating that the account was past due for XXXX, which I believed was an error. 
5. I called XXXX regarding the alleged " past due '' account. I was told by the store Manager. XXXX XXXX that XXXX received an " OFFLINE REVERSE CHARGE '' on XX/XX/year> from the credit card holder, XXXX XXXX ( XXXXXXXX XXXX ) for {$140.00}. 
6. I was renting a room with XXXX XXXX at XXXX XXXX XXXX, XXXX, GA XXXX. I discovered that XXXX XXXX filed a claim with his bank, Wells Fargo and disputed the charge of {$140.00}. 
7. I called Wells Fargo to make them aware that XXXX XXXX filed a fraudulent claim for a charge of {$140.00} AFTER it had been AUTHORIZED by Wells Fargo on XX/XX/year>. 
8. Wells Fargo REVERSED the AUTHORIZED payment on XXXX XXXX, which was THREE WEEKS AFTER the payment was paid and confirmed by XXXX on XX/XX/year>. 
9. XXXX assessed an illegal {$75.00} lien fee to my account on XX/XX/year> stating the account was now 30 days past due. However, according to the XXXX lease agreement, the client must receive a written notice IN PERSON to the the last known address. 
10. I received an email from XXXX XXXX XXXX stating the contents of my storage will go to auction unless I pay the alleged " past due '' payment again, ( {$140.00} ) the current XXXX bill ( {$140.00} ) and the illegal lien fee of ( {$75.00} ) for a total of {$370.00}. I now paid a total of {$520.00} for two months that would have been only {$290.00}. 
11. I am filing a complaint against XXXX XXXX ( XXXXXXXX XXXX ) who filed several fraudulent dispute claims AFTER I sent him a XXXX payment to pay a storage bill. I discovered that he has done this previously. 
I2. I am also filing a complaint against XXXX XXXX, also known as XXXX XXXX for assessing illegal lien fees, as well as accepting fraudulent " reverse charge '' without investigating it. 

You can contact me directly at : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX or 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I paid off my HELOC mortgage with Mr. Cooper. They sent me only a photocopy of the lien release. The county requires the original wetink notarized release. When I call Mr. Cooper, I can not reach a representative, and the automated system says it will take 39 months to send the original. This delay prevents me from clearing the title. In addition, I asked for a payoff quote, but they gave me a quote a day later than the servicable date so I added extra money to cover whatever interest was being added. They have not paid difference back to me.

Company response to consumer: Closed with explanation