vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, Transunion is reporting a late payment for my account with XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. XXXX XXXX  XXXX ( Account XXXX XXXXXXXX ). The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX  days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any XXXX  as billing statements or account XXXX  that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because a hard inquiry appeared on my credit report that I did not authorize. I have never given permission or applied for credit with the company that made this inquiry. This appears to be the result of identity theft or misuse of my personal information. I contacted the company and credit bureaus to dispute the inquiry, but it has not been removed. This unauthorized inquiry has negatively affected my credit score and caused unnecessary concern and inconvenience. I am requesting that this inquiry be investigated and deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I was trying to transfer my crypto to a cold wallet. I did a small amount to make sure it goes through. Then I tried to do a larger amount not realizing there was a limit of XXXX and they restricted me and they keep changing the date that they are going to contact me, I made several calls to them Robin Hood but they give me no information other than theyre sorry for the wait of them reviewing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Report reads open account and also that collection agencies original owner.This account should have a zero balancing cloUpdating or increasing the balance without further billing or payments after write-off is considered false furnishing and potentially debt re-aging. Inaccuracy # 3 : No Indication of Account Transfer or Collection Reported Inaccuracy :

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 2025-10-14 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: PA

Complaint narrative:
Im filing this complaint because my XXXX auto loan payments were not applied correctly or posted on time. I made payments that should have gone toward the principal, but XXXX delayed or misapplied them. This has affected my balance and caused confusion. Im requesting that XXXX review my payment history, fix any errors, and confirm all funds were properly credited.

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 2025-10-14 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: PA

Complaint narrative:
Im filing this complaint because my XXXX auto loan payments were not applied correctly or posted on time. I made payments that should have gone toward the principal, but XXXX delayed or misapplied them. This has affected my balance and caused confusion. Im requesting that XXXX review my payment history, fix any errors, and confirm all funds were properly credited.

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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute several inaccuracies related to billing errors on my credit report. Upon reviewing my report, I noticed information that does not accurately reflect my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides consumers the right to dispute and correct billing errors, and I request a thorough reinvestigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I went in personally to close my savings account and get a cashiers check for the amount that I had in my savings account. There was a transfer a made from my checking account to my savings account on that same day for {$1000.00} dollars. It was from my Chase checking to my Chase savings account. It was NOT with an outside bank. The money didnt go anywhere, it just disappeared. Went nowhere. It didnt no into my checking or my savings. The savings was closed on XX/XX/XXXX but my {$1000.00} was nowhere. I then called Chase and the representative said that I should see that money back soon in my account. I am still waiting to see it. Then yesterday, one person from Chase called and they said they are aware of my complaints about them to CFBP and that they wanted to see how they would help me. The woman from Chase said that there was NO account with them ending in XXXX that was ver owned by me and that I didnt have that account which was the account I used to transfer the {$1000.00} to. She gave me a different number and I told her that I have only owner that Savings account. She said when because there is no record of it on their system. I can see it on my phone but somehow she said that account ending in XXXX doesnt exit. 
Chase is trying to keep my money and I want it immediately. Stop trying to say that I didnt have this account where I sent the {$1000.00} to and give me my money back I have a screenshot showing the ending of that account and transferred the transfer I made of {$1000.00} on XX/XX/XXXX but also another transfer I made before closing that account. So they can see that that savings account did exit and they are trying to steal my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
This complaint concerns false post-charge-off reporting by TransUnion, with XXXX XXXX XXXX XXXX as the furnisher and XXXX also publishing the same inaccurate data. 

The account ( XXXX XXXX Loan ID XXXX ) was charged off in XX/XX/XXXX, yet TransUnion continues to show monthly CO ( charge-off ) notations through XX/XX/XXXX and an impossible Balance Updated XX/XX/XXXX. This is illegal re-aging in violation of : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 5 ) failure to delete or modify inaccurate information after notice ; and 15 U.S.C. 1681s-2 ( b ) furnishers duty to correct after notice ( XXXX ). 

I previously disputed this tradeline through TransUnion ( Dispute ID # XXXX, filed XX/XX/XXXX denied XX/XX/XXXX * * ). * * Despite notice, TransUnion continues to publish false data without proper reinvestigation. 

XXXX  displays the same XXXX data, confirming a system-wide furnishing error. The duplicate publication across CRAs magnifies the harm and demonstrates lack of internal re-aging controls. 

These inaccurate reports have directly caused three verified housing denials citing derogatory credit from XXXX. I request CFPB investigation of XXXX re-aging-detection and reinvestigation procedures and review of Upstarts furnishing practices.

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding DEPT OF EDUCATION/NELNs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. DEPT OF EDUCATION/NELN XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. DEPT OF EDUCATION/NELN XXXX & DEPT OF EDUCATION/NELN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint regarding the inaccurate late payment reporting on my account with XXXX XXXX  ( Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The account shows a balance of {$3500.00}, opened on XX/XX/XXXX, with a last payment made on XX/XX/XXXX, and a reported 90-day late mark. I dispute this reporting as inaccurate because it does not reflect my true payment history. Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Furthermore, FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know is inaccurate, and 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy of the data they 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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFBP authorities, Subject : Bait-And-change Once again, I find myself penning this letter of dismay, expressing my utter frustration at the deceptive practices of Citibank. It seems their misrepresentation and false advertising know no bounds. Around the beginning of XX/XX/XXXX, I received several enticing invitations from Citibank ( attached for your reference ). These invitations Baits a {$250.00} welcome bonus statement credit, contingent upon spending {$500.00} within the first XXXX months of opening an account. With hopeful anticipation, I applied for Citi 's XXXX XXXX XXXX credit card. I should mention that I have been a long-standing customer, holding a Citi XXXX XXXX XXXX and a Citi Thank You Preferred XXXX for XXXX past XXXX  years, boasting a {$35000.00} credit limit and an impeccable XXXX XXXX score. 

XXXX my surprise when, once again, Citibank 's XXXX statement revealed a mere {$200.00} bonus statement credit instead of {$250.00} as we contracted ( attached for your perusal ). This conduct stands in stark violation of the FTC 's Bait Advertising guidelines, as evidenced in XXXX XXXX XXXX XXXX ( XXXX ) Nat. Ass'n, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) and Fed. Reg XXXX ( XX/XX/XXXX and XXXX XXXX, XXXX ) under section XXXX ( a ) ( XXXX ) of the FTC act. 

On XX/XX/XXXX, I reached out to Citibank and spoke to XXXX, a credit card XXXX. She asserted that the {$250.00} bonus stated in the invitation was inaccurate, claiming it should be {$200.00} ( refer to our recorded conversation for verification ). She directed me to Citi.com for further confirmation. 

Dear CFBP, as a diligent consumer, I am losing faith in our financial institutions. The endless hours spent on hold, conversing with bankers who seem indifferent to rectifying their errors, have inflicted significant financial injuries on me and countless other consumers. 

I implore you to exercise your full authority to investigate and put an end to these unfair practices perpetrated by Citibank. I seek the following remedies : - Citibank must retract all negative reports on my credit with the credit reporting agencies ( CRAs ). 
- Compensation for a minimum of XXXX hours of lost earnings at {$500.00} an hour. 
- Financial restitution for the breach of contract and deceptive business practices, to be determined by an arbitrator or your department interesting officers. 

Your support in resolving this matter would be immensely appreciated. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
They never draft payments in a timely manner ; I made a payment on the XX/XX/year> and they did not draft until the XXXX. They constantly playing games just to XXXX us out of more money with fees.

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 2025-10-14 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: AR

Complaint narrative:
This is a follow-up to my original dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding a late payment that resulted from a creditors internal processing error. I submitted written communication from the creditor acknowledging the mistake and confirming that I was not at fault. However, the credit bureau failed to correct the record or respond with verification details. The inaccurate late payment remains in violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
The inaccurate inquiries and debts reported on my credit file have had a devastating impact on my everyday life. Because of these false and misleading items, my credit score has been severely damaged, preventing me from obtaining stable housing, dependable transportation, and essential financial services. I have been denied credit opportunities, faced higher interest rates, and even lost potential employment due to negative and inaccurate information being reported. The ongoing stress, anxiety, and financial instability this has caused have disrupted nearly every part of my daily life. 

According to 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to maintain and report only accurate, complete, and verifiable information. This law also ensures every consumers right to dispute inaccurate information and have it promptly investigated and corrected. Because these debts and inquiries are inaccurate and have caused significant harm to my financial reputation and overall well-being, I am demanding a full investigation and immediate removal of all unverifiable and inaccurate items from my credit report, in compliance with federal 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 2025-10-14 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: MO

Complaint narrative:
The inaccurate inquiries and debts reported on my credit file have had a devastating impact on my everyday life. Because of these false and misleading items, my credit score has been severely damaged, preventing me from obtaining stable housing, dependable transportation, and essential financial services. I have been denied credit opportunities, faced higher interest rates, and even lost potential employment due to negative and inaccurate information being reported. The ongoing stress, anxiety, and financial instability this has caused have disrupted nearly every part of my daily life. 

According to 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers of information are required to maintain and report only accurate, complete, and verifiable information. This law also ensures every consumers right to dispute inaccurate information and have it promptly investigated and corrected. Because these debts and inquiries are inaccurate and have caused significant harm to my financial reputation and overall well-being, I am demanding a full investigation and immediate removal of all unverifiable and inaccurate items from my credit report, in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to settle CapitalOne credit card debt that my deceased mother did not qualify for. 

I am attempting to settle this debt in good faith and XXXX went from a 25 % discount now to 20 % discount and I know he is working on a big commission and the Estate has other obligations to take care of. We offered $ XXXX to settle and close account. They are unwilling to negotiate or provide written correspondence.

Company response to consumer: Closed with explanation