vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a Citi / AAsdvantage XXXX  XXXXXXXX XXXX XXXX credit card in the mail that I did not request or apply for. I waited to see if my husband would receive one, too. He did not. I called CitiBank on XX/XX/year> to inquire why I had received the card. They said I requested it. When I said I had not requested it, they asked for my security word and said it was my best friend 's last name starting with XXXX I said I did not have ny such security word. I would not use a friend 's name for a security word and none of my friends ' last names begin with XXXX Then they asked for my SSN. I did not give it to them because I never opened an account with CitiBank. Then they said they would cancel the card and begin a fraud investigation. They advised me to initiate a freeze on my credit with XXXX XXXX XXXX XXXX, and register a report with the FTC, and they gave me all of the phone numbers and websites. I initated the freeze with all 3 credit bureaus and this is my report.

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 2025-12-15 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 writing to file a dispute regarding the following items listed on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} Late Payments : XXXX 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 2025-12-15 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: MI

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 XXXX 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 2025-12-15 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:
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 XXXX 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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: MA

Complaint narrative:
My complaint is with WISE US Inc I have funds on deposit with them in an account in the name of my revocable trust.

When I opened this account, I went through an exchange with WISE to establish with them that the tax ID of the revocable trust is my SSN. They eventually got it.

About a month ago they started a re-verification process of this account. 
I sent them again an explanation and attached the trust document. 
I got no response. 
I assumed all was find. 
But then, on XX/XX/XXXX, I tried to transfer some funds from the revocable trust account. My transfer was put on hold pending a review of the account information. 
I 'spoke ' with a rep, XXXX XXXX at the bank today ( XX/XX/XXXX ) by on-line chat. 
I asked to have my account unfrozen while they continued their review ; I was refused. 
I asked them to transfer the funds in the frozen revocable trust account to my personal account while they continued the review ; I was refused. 
I asked if I could explain my situation to someone more senior ; I was refused. 
So I am in this bizarre situation : the bank took my funds and is holding them on deposit but without my having access to them while they continue a protracted internal review process. And I can't get anyone more senior than XXXX the chat rep ( or bot? ) to whom I can explain the situation and get it resolved. 
Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-12-15 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: TX

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  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  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 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I called credit acceptance on XX/XX/XXXX I spoke to a male rep. To say I couldnt pay more than my normal payment. I had been paying more to bring down my past due balance. This man spoke to me like I was the lowest person on earth. Im still telling my therapist about these ordeal. I asked him to talk to someone else. He keep talking at me. A few days later someone from collections called me and offered me the same thing I was trying to get when I was put down and threaten to gone get my car. This kind of practice should not be allowed. I contacted the Attorney General I have not heard anything. I asked that collections be stopped on this account. It was the wrist experience of my life.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I'm submitting this complaint regarding American Express 's improper handling of a business credit account and the incorrect reporting of that account on my personal account. This account is under a business name, not my persona name. Despite this, American Express reported the account on my personal credit report as a collection account, which is inaccurate and damaging. 

When I contacted American Express to address payment concerns, a representative advised me that if the business enrolled in their Financial Relief Program, the account would not be reported as late or sent to collections. Based on this assurance, the business enrolled in the program. Upon enrollment, American Express added approximately {$3000.00} in interest upfront, increasing the balance from approximately {$17000.00} to {$20000.00} I was told by the representative that as long as a payment was made by XX/XX/XXXX, the account would remain in good standing and would not be negatively reported. Despite meeting the agreed-upon terms, American Express reported the account as a collection account on XX/XX/year> this reporting is innaccurate and misleading for the following reasons :. the account is a business account not a personal account. the payment was made as instructed automatically and on time. 
.American Express assured me the account would not be reported as late or collections .The account was never disclosed to me as being in collections prior to reporting As a result, my personal credit has been negatively impacted due to inaccurate reporting and reliance on representations made by American Express . I'm requesting the following resolutions : 1. Immediate removal of the collection account from my personal credit report.

2. Correction of any inaccurate reporting related to this account 3.Written confirmation that the account is being reported correctly and in compliance with applicable laws 4. Review of American Express 's handling of business accounts and relief program representations.

This issue has caused financial harm and distress due to incorrect reporting and miscommunication by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a consumer actively working to repair my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Experian is reporting on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Experian is required to ensure that all reported information is accurate and properly verified.

Charged-Off Accounts Experian is reporting the following charged-off account, which I dispute due to inaccuracies in balance, date, and account status : XXXX XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX XXXX XX/XX/year>, balance {$1300.00} XXXX dispute the accuracy, ownership, balance, and charge-off status of this account. Experian has not provided documentation demonstrating that this account was properly verified, including complete payment history. I request Experian conduct a reinvestigation and remove or correct any information that can not be fully verified. 

Late Payment Reporting Experian is reporting late payments on the following accounts, which I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of these late payments and request that Experian provide verification documentation. Any unverifiable late payments must be removed.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: MA

Complaint narrative:
I am a Massachusetts consumer attempting to cancel a paid TomoBoost account with Tomo ( financial services / credit-building platform ). I clearly and repeatedly requested cancellation beginning on XX/XX/2025. 

Despite multiple written requests, Tomo has refused to cancel my account and has instead repeatedly sent marketing and retention messages attempting to discourage cancellation. These messages included claims that cancellation could harm my credit score and offers of a free 30-day extension, rather than honoring my explicit request to close the account.

I responded clearly and unambiguously multiple times that I did not wish to continue the service and that I wanted the account canceled immediately. Tomo did not process the cancellation and continued to push promotional messaging instead. 

This has created unnecessary delay, confusion, and pressure, and has prevented me from exercising my right to stop a recurring financial service. I am concerned about unfair, deceptive, or abusive practices, including refusal to process cancellation upon request and use of credit-related pressure tactics to prevent cancellation.

I am requesting that Tomo immediately cancel my account, stop all billing, and confirm in writing that the account is closed with no negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by MOHELA that has caused severe and unjustified harm to my credit. 

MOHELA reported my federal student loan account as past due to the credit bureaus. However, prior to this reporting, I made multiple good-faith attempts to access my MOHELA account in order to review my balance. I was unable to log in or otherwise access my account due to technical or account access issues that were outside of my control. 

Because I could not access my account, I was not able to confirm my loan status, receive billing information, or submit payment through MOHELAs system. I did not willfully miss payments, nor did I ignore my loan obligations. After I was finally able to access my account, not even a month later Mohela reported to my credit that I was 90 days late on payments. 

As a result of MOHELAs reporting, my credit score dropped by approximately XXXX points, causing significant financial harm. This reporting does not accurately reflect my intent or actions and fails to account for the access issues that prevented timely payment.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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:
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 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 2025-12-15 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 disputing the following charged-off accounts on my Experian credit report. I request that these accounts be verified or removed if you can not provide proper verification. 

Accounts in Dispute ( Charged Off ) : 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} Request : Please investigate these accounts and remove any that can not be verified.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-15 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: CA

Complaint narrative:
I am a consumer actively working to repair my credit. I am filing this complaint regarding inaccurate and/or unverified information Equifax is reporting on my credit file.

Charged-Off Accounts Equifax is reporting the following charged-off accounts, which I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1900.00} I dispute the accuracy, balances, dates, and charge-off status of these accounts. Equifax has not provided proper verification, including account histories or legal documentation. I request a reinvestigation and removal or correction of any unverifiable information. 

Late Payment Reporting Equifax is reporting late payments on the following accounts, which I dispute : 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 I dispute the accuracy of these late payments and request that Equifax remove or correct any information that can not be verified.

Company response to consumer: Closed with non-monetary relief