vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUT NAME:XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUT NAME:XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-26 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: MS

Complaint narrative:
My credit report contains incorrect personal details. XXXX requesting a formal review and correction of this information within XXXX business days.

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 2025-07-26 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: MS

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report for no apparent reason. I routinely check my report and didnt expect this kind of error. I even refreshed the page thinking it was a glitch, but the issue remained. XXXX extremely frustrated and demand that the documents Ive provided be reviewed immediately so this can finally be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
The account is currently reporting past the XXXX  year mark. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I am disputing the reporting of a XXXXXXXX XXXX XXXX account that was settled and has a XXXX ( Cancellation of Debt ) issued. This account was resolved in 2020, and the proper status should reflect " Paid, '' " Settled, '' or " Closed with XXXX '' However, the credit reporting agency continue to report the account as charged off with a balance due, which is false and misleading.

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and complete information. XXXX 's failure to update the status of this account to reflect the XXXX and resolution violates these standards. This inaccurate reporting is damaging my creditworthiness despite the fact that the debt was XXXX and resolved years ago. 
I have contacted the credit bureaus, but they have not corrected this error. I am now seeking the CFPBs assistance in having this account removed entirely from my report. 

Please investigate this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OK

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: CO

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report that contains inconsistent and inaccurate reporting of the account closure date across all three major credit bureaus. 

The account in question is : XXXX Name : KeyBank  XXXX Account Number : The report date, Date Closed, and the payment history for this account is being reported differently across the following credit bureaus : XXXX  reports : Report date : XX/XX/XXXX, Closed date : XX/XX/XXXX and Payment History : XXXX XXXX XXXX days late XXXX  reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : XXXX XXXX XXXX days late XXXX  reports XXXX Report Date : XX/XX/XXXX Closed Date : XX/XX/XXXX, Payment History : no late payments This is a clear violation of the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681e ( b ) This requires credit bureaus to maintain maximum possible accuracy in the information they report. 
15 U.S.C. 1681i ( a ) This section requires credit bureaus to reinvestigate any disputed item that is incomplete or inaccurate. 

Due to the inconsistent reporting of the closure date, the account is being presented in a false and misleading manner, which affects the accuracy of my credit profile and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have asked several times for a deferment. There was a month where my mother passed away, my husband 's hourly wages were cut. Therefore, I have been paying almost a month late. Capital one uses a system to determine if your situation is really that " bad ''. Which is unreasonable. How is a system going to determine that my mothers passing and hourly wages being cut are not a reason for assistance being offered. They need to do better and have humane understanding to unique situations. All they care about is the late fees being assessed because well that means more money in their pocket. I called XX/XX/year> to attempt a Due Date Change due to not having luck with a deferment and you know what they said " YOUR ACCOUNT NEEDS TO BE CURRENT ''. Like how am I EVER going to bring my account current if they keep denying me any assistance!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filed a complaint against TD Bank less than a month ago about their unfulfilled account opening bonus payments contractual obligations. 
They responded via this platform saying that the bonus payments of {$400.00} and {$200.00} would be made by XX/XX/year>. 
Today is XX/XX/year> and the bonus payments have not been made. 
I am submitting this complaint to have this complaint permanently listed on their profile as they have misrepresented themselves more than twice and made promises they never had the intention of owning up to. 
I want this complaint to be a reference point to future customers who are lured to send their money to TD Bank under the false premise and promise of getting bonus payments that TD Bank doesnt intend to payout and is almost keen on frustrating customers to get the payout. 
Please let this serve as a lesson to everyone who receives a letter in the mail promising them of bonus payments! 
They have broken my trust and once my bonus payments are done I will be meeting the account tenure requirements and moving to another bank that cares about their customers. EXTREMELY DISAPPOINTED!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I received an email from Wells Fargo stating I was overdrawn by {$130.00}. The message mentioned a one-day grace period, requiring me to make a deposit by XXXX XXXX XXXX XXXX on XX/XX/year>, to avoid late fees. I deposited XXXX Wells Fargo checks each for {$100.00}, totalling {$200.00} on XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX, which is XXXX XXXX XXXXXXXX. This was well before the deadline provided in their email. However, when I checked my account, I noticed XXXX {$35.00} fees already charged on the same day. I called Wells Fargo, but they refused to remove the fees, even though I had followed the instructions in their email to avoid them.

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 2025-07-26 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
XX/XX/XXXX : I was actively searching for apartments in XXXX and found a listing on XXXX XXXX : [ listing link ]. I contacted the poster, who asked for my phone number. Shortly after, someone named XXXX XXXX texted me, claiming to be the leasing agent. 

XX/XX/XXXX : We spoke over the phone, and he told me I could lock in the apartment by paying half the deposit ( {$300.00} ) upfront. He assured me the deposit was refundable and will provide me a receipt too. I sent the {$300.00} via Zelle to someone named XXXX XXXX and I got receipt too. 

XX/XX/XXXX : XXXX claimed the apartment was in high demand and that his manager now required the full {$600.00} deposit to secure it. I was hesitant but agreed, believing Id get the money back if I decided not to proceed. I sent the remaining {$300.00} via Zelle to the same recipient. 

XX/XX/XXXX : XXXX then told me I would need to pay the full rent of {$1300.00} to finalize the booking. This felt extremely suspicious, and I refused. I asked for my deposit to be refunded. Instead of sending it back, XXXX directed me to a link : XXXX XXXX XXXX saying I needed to complete the form to receive my refund. 

The form asked for highly sensitive personal information including my SSN. I was very suspicious but still completed it. I also asked XXXX for proof of identity, and the drivers license he shared looked fake. 

The form redirected me to ID.me and another government portal. To complete the process, I had to create an ID.me account using the email and password the realtor provided, and I was also prompted to set up 2-factor authentication. The scammer had my login credentials and kept asking for the XXXX code that was being sent to my phone. 

I immediately contacted XXXX, and they confirmed that XXXX  is not affiliated with their verification system. It was a scam. 

Ive lost a total of {$600.00} through this scam. I am an XXXX XXXX and this is a huge amount for me. They took advantage of my urgency and lack of experience. 

I reported the incident to XXXX, but they said they cant help because the payments were sent willingly. 

I am desperate and seeking help to recover my money and protect my identity. 

XXXX XXXX XXXX XXXX XXXX zelle id : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclay Rewards credit card company offered a 0 % balance transfer for XXXX months. I did the balance transfer. The fraud protection called me to verify that the transfer was legitimate and left a voicemail ( due to the fact that I was working ). I called back within XXXX hour and validated the balance transfer, which the fraud department confirmed. However, that is not what was done. They cancelled the balance transfer. I then called back and spoke with a manager in the security department ( XXXX ) and she stated that there was nothing that she could do about it. I have been a customer since 2014 with this card, and they didn't follow through on this offer. Now this offer is no longer available. Long story short, they made an offer, and then rescinded the offer for no reason. Another note to make is that my balance transfer would not have even put me at 25 % of my card limit. Voice recordings of my authorization should also be reviewed stating my acceptance of the balance transfer. This offer was undoubtably a scam and should be investigated. At a minimum, they should have taken the steps to honor what they offered and transferred the money as offered. This was not done.

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