vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my student loan account originally serviced by XXXX and now by XXXX. My credit report reflects a late payments in XXXX & XX/XX/XXXX. This reporting is inaccurate and should not appear. 
Under the CARES Act and subsequent federal student loan relief measures, federally held loans were placed into administrative forbearance beginning XX/XX/XXXX, with no payments due, no interest accrual, and no negative credit reporting allowed. A late payment reported in XXXX is therefore inconsistent with federal protections and constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
If the account was private at the time, XXXX and XXXX were still required to provide accurate reporting and ensure borrowers were not unfairly harmed by servicing transfers or COVID-related relief programs. The CFPB has issued guidance requiring servicers to ensure accurate reporting and seamless transitions. 
I request that this late payment entry be investigated and deleted from my credit report, as it is inaccurate, unverifiable, and in violation of federal borrower protections.

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 2025-09-12 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: GA

Complaint narrative:
I am disputing an inaccurate late payment reported on my student loan account originally serviced by XXXX and now by XXXX. My credit report reflects a late payments in XXXX & XX/XX/XXXX. This reporting is inaccurate and should not appear. 
Under the CARES Act and subsequent federal student loan relief measures, federally held loans were placed into administrative forbearance beginning XX/XX/XXXX, with no payments due, no interest accrual, and no negative credit reporting allowed. A late payment reported in XXXX is therefore inconsistent with federal protections and constitutes inaccurate furnishing under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
If the account was private at the time, XXXX and XXXX were still required to provide accurate reporting and ensure borrowers were not unfairly harmed by servicing transfers or COVID-related relief programs. The CFPB has issued guidance requiring servicers to ensure accurate reporting and seamless transitions. 
I request that this late payment entry be investigated and deleted from my credit report, as it is inaccurate, unverifiable, and in violation of federal borrower protections.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: MI

Complaint narrative:
This account was opened not with my social security number but under my name. This account was a result of identity theft and i want this removed from my credit report. This company has called me family members threatening to take me to court and they had a process server call me and my immediate family members threatened to come to my job and home over a debt not owed

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Subject : Rebuttal Regarding ATM Deposit on XX/XX/year> To Whom It XXXX Concern, I am writing to formally dispute an issue with a deposit I made on XX/XX/year> at the ATM located inside the branch ( TD Bank ) on XXXX XXXX XXXX. I deposited {$3000.00} into the ATM ; however, my account was only credited with {$1100.00}. 
During the transaction, the ATM rejected {$840.00}, which I immediately brought to the tellers attention. I explained that I was missing a credit of {$1000.00} and requested that the teller deposit the rejected {$840.00}. 
To support my claim, I kindly request that you review the ATM camera footage. I made a point of holding the money in front of the ATM before depositing it to ensure clear visibility of the amount. 
I respectfully request that this matter be investigated promptly and that the remaining {$1000.00} be credited to my account. 
Thank you for your time and attention. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I broke my phone and I've been trying to put my cash app on another phone and it's not letting me do anything. I have XXXX dollars just sitting there and they won't help me access it I gave the. My password verified the email and verified the phone number and put the pin from the account and they still want me to verify. How many XXXX verifications do they need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: CO

Complaint narrative:
XXXX is showing that I still owe {$40000.00} this was paid off on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: AK

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN REMOVE FRAUD ACCOUNT XXXX XXXX XXXX XXXX THX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AK

Complaint narrative:
MY IDENTITY HAS BEEN STOLEN REMOVE FRAUD ACCOUNT XXXX XXXX XXXX XXXX THX

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 2025-09-12 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
My business checking account with Chase was locked and then closed in early 2025 due to identity theft concerns tied to a dispute with my business partner. My partner was not an account owner but attempted to take control of the account, which triggered Chase to restrict access. At the time of closure, the account had approximately {$60000.00}. 

The business dispute has since been resolved through litigation and a settlement. In XX/XX/year>, my business partner and I appeared in person at a Chase branch in XXXX and were told that the restrictions had been lifted and a check for the account balance would be issued. However, no check was ever sent. 

I have repeatedly called Chase for updates. On XX/XX/year>, I faxed all documents Chase requested for verification and restriction removal. Despite this, no further action has been taken. On subsequent calls, Chase representatives only said the matter is under review without giving any resolution or timeline. 

The {$60000.00} includes funds that must be used to pay company taxes, and Chases continued delay is causing significant harm to the business. I am requesting immediate release of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Wells Fargo Bank for placing an unlawful and unreasonable hold on funds from a settlement check deposited into my account. 

The check was deposited on XX/XX/year>. 

Wells Fargo provided me with a written receipt stating that all funds would be available by XX/XX/year>. 

Despite this, Wells Fargo released only partial funds and continues to hold the remaining balance until XX/XX/year>, even though I was informed that the check has already cleared. 


This wrongful hold has placed me at serious financial risk. I urgently need access to these funds to pay for the closing costs of my home purchase. If Wells Fargo does not release the funds immediately, I face the loss of my home and the low interest rate I secured. 

Wells Fargos actions constitute misrepresentation, breach of contract, and financial harm. I respectfully request that your office investigate this matter and require Wells Fargo to immediately release my funds and prevent further harm. 

I am attaching the deposit receipt as proof of Wells Fargos commitment. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Phone : XXXX Email : 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I called XXXX XXXX today, XX/XX/year> to verify I do not have any accounts with them nor have I ever had an account with them. I would like this to be off my credit report. The number I called was XXXX. I provided my information, such as name and social security number. I want this information from XXXX XXXX off my report. Thanks.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
They wouldnt work with us until we were so far behind, and then they dont call you when they say they will, and make you wait a month to have an appointment with your " account specialist '' so it gets you even more behind, then they want all that past due money to be paid right away while you are waiting for a call appointment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-12 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: CA

Complaint narrative:
On XX/XX/XXXX Citibank closed my long-standing credit card account ( opened in 2013 ) after conducting a soft pull of my credit report. The closure was based on derogatory accounts that were not mine, but the result of identity theft and fraud. 


I filed an FTC Identity Theft Report and disputed these accounts with all three credit bureaus. Under FCRA 605B, the bureaus are required to block fraudulent tradelines within four business days. These fraudulent accounts have already been removed or are in the process of being removed.

Despite this, Citibank took adverse action against me based on false and legally blocked information. This closure has caused material harm to my credit profile by eliminating my oldest tradeline and lowering my available credit.

I am requesting that Citibank either : 1. Reinstate my account, recognizing that the closure was based on inaccurate, fraudulent data, or 2. At minimum, update credit reporting to reflect the account as Closed at Consumers Request rather than Closed by Credit Grantor.

Citibanks failure to verify the legitimacy of the information and reliance on accounts subject to an identity theft block raises serious compliance concerns under the Fair Credit Reporting Act ( 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 2025-09-12 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: MD

Complaint narrative:
I reviewed my consumer reports and noticed I had XXXX late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX account number : XXXX Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided, I demand these payments to be updated to on time as they should be as I was NEVER late. 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 2025-09-12 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: NV

Complaint narrative:
I am formally disputing inaccuracies on my credit report. These errors have harmed my credit and are causing ongoing financial and emotional distress.

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 2025-09-12 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 confirmed victim XXXX XXXX XXXX XXXX and am invoking my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2, to have all adverse items related to my XXXX  blocked and deleted from my credit reports. 

I have already submitted my FTC Identity Theft Report, police report, and supporting documentation to Equifax, Experian, and TransUnion. Despite this, my credit reports still show multiple late payments, derogatory accounts, and hard inquiries that are not mine or were incurred during the XXXX  period ( XXXX ). These include late payments on my XXXX XXXX account, derogatory reporting on multiple tradelines, and numerous hard inquiries that lowered my score. 

I am requesting that all negative information including late payments, delinquencies, and hard inquiries listed on this credit report be blocked and permanently removed. Specifically, I want all late payments from XXXX XXXX between XXXX deleted, but I do not want the XXXX XXXX account closed. My goal is to have my account remain open and in good standing, without any negative payment history. 

Under the law, the credit bureaus were required to block this information within 4 business days of receiving my dispute and supporting documents, but they have failed to do so. The continued reporting of this negative information is causing severe harm to my credit profile and my ability to rebuild financial stability.

Company response to consumer: Closed with explanation