vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the reporting of late payment ( s ) tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure.

To resolve this, I submitted several disputes directly to the credit bureaus and the original credit or, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting.

It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, XXXX, I initiated a balance transfer from my Bank of America credit card to my XXXX XXXX credit card ( Dated XX/XX/XXXX for {$5000.00} Reference : XXXX. ) Bank of America processed this transfer twice in error ( Second processing date XX/XX/XXXX for {$5000.00} Reference : XXXX ), causing my XXXX XXXX account to show double the intended transfer amount. My Bank of America statement dated XX/XX/XXXX XX/XX/XXXX shows these transactions and displays a balances of - {$5000.00}, an obvious indication of the duplicated transfer. 

When I contacted Bank of America, they acknowledged the mistake and stated they would issue a refund check for the duplicate transfer amount. I never received the check. Upon follow-up, Bank of America stated they would stop payment on the check and issue a direct deposit credit to my account, which they did. My balance returned to zero. This is shown on my statement dated XX/XX/XXXX XX/XX/XXXX. The transaction took place on XX/XX/XXXX, Reference : XXXX for {$5000.00}. 

Shortly after, I received a statement showing that the full transferred balance was again posted to my account without any explanation. It shows the transaction date as XX/XX/XXXX, the date of the original balance transfer with a posting date of XX/XX/XXXX, Reference XXXX. The transaction history on my statements contains no legitimate charge or reason for this balance to reappear. I made one small purchase ( {$24.00} to XXXX. Reference:XXXX ) after the transfer and even made a {$250.00} payment before realizing this was the same account involved in the disputed transfer. 

Since XXXX, I have repeatedly escalated this issue through Bank of America customer service to the highest level. No one has provided an explanation for the charge, and their own statements contradict the amount they claim I owe. Despite this, Bank of America maintains that their records are correct and has reported this erroneous balance to the credit bureaus, damaging my credit score and causing significant stress and disruption to my financial life. 






Dates involved Original transfer : XX/XX/XXXX. Reference Number XXXX Duplicate transfer refund issued : XX/XX/XXXX. Reference Number XXXX Reappearance of erroneous charge : XX/XX/XXXX. Reference 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 2025-08-15 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
Repeated Payment Delays Impacting Payroll & Business Operations Complaint Details : I am the owner of a consulting company that has used Wise for years to pay employees in the XXXX without issue. Recently, around 50 % of transfers are being delayed more than XXXX days. 

Examples : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Key facts : The affected transfers show processing status without explanation. 

Wise support claims the funds havent been received due to ACH timing, yet funds are often released immediately after I complain indicating the money is already with Wise and being held internally. 

Support has told my employees that I have not sent the funds, creating distrust and damaging my business relationships. 

Wise has stated that a bank statement is not proof of sending funds, but there is no alternative receipt from my bank. 

Impact : This has caused payroll delays, employee dissatisfaction, and reputational harm to my company. 

Requested resolution : A clear root cause explanation for the delays ( e.g., compliance hold, partner bank issue, or internal review ). 

Confirmation of whether there is a compliance flag and if so, how to permanently clear it. 

A prevention process ( e.g., pre-clearing recipients or alternate payment method ). 

A dedicated escalation contact for payroll-impacting delays. 

Please treat this as a formal complaint and escalate to your Complaints & Disputes Team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXEquifax Information Services, LLC XXXX XXXX XXXX  GA XXXX  US Dept of ED/XXXXacctXXXX XXXXSubject: Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints FiledXXXXTo Whom It May Concern,\n\nThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\nI have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.\n\nUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.\n\nYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costsXXXXThis letter is not a requestit is a demandXXXXXXXXRemove all accounts you are reporting inaccurately from my credit file immediatelyXXXXProvide me with written confirmation of each deletionXXXXCease all future reporting of any unverifiable or inaccurate data.\n\nFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.XXXXThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlines.XXXXSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I was notified by experian that there was a change in my credit score. I look at my account and noticed my score had gone from XXXX to XXXX when as look into why there was a note that Firstmark reported me as late on a student loan. When I contacted Firstmark for why I was not contacted they commented they did try I have no phone record or e mail record of any attempts to notice me of late payment. I proceeded to pay off the loan with no change in the dredit note of late payment, when I asked why they stated they will wait XXXX  day to be certain I did not take back the money. I appealed the notice through First mark and am waiting for a notice they did confirme the retraction request was denied because the feel they did their due dinigence. I disagree and asked to speak to another individual and was told the supervisor was as far as I would get. When speaking with Experian they mentiond they would be in contact with First mark to review their work. This appears to be a run around circle that will resolve nothing. I am asking for further assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a hard inquiry appearing on my credit report that I did not authorize. I have not applied for credit, loans, or services that would justify this inquiry, and I have not given consent to any entity to access my credit information.

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 2025-08-15 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-15 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:
Despite my previous efforts, the inaccurate accounts are still present on my credit report. I kindly request a detailed review of the attached documents so that this problem can be resolved once and for all.

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 2025-08-15 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
I ordered a ninja pressure cooker from an online retailer XXXX XXXX XXXX for {$53.00}. I never received an order confirmation or a notification that the item was shipped or delivered. 

I disputed the transaction with Discover Bank but they instead indicated that the merchant provided proof of delivery and therefore the transaction is valid. I inquired what proof of delivery did the merchant provide and they said a tracking number with a shipper called XXXX. 

I went on XXXX website and all of their links are not functional. If you try to reach their customer support you get broken links. 

I then tried finding XXXX in USDOTs database as an authorized shipper and was not able to. 

I came to realize that this was an elaborate scam and its unclear how Discover Bank, a XXXX XXXX financial institution, is not able to address this fraudulent activity. 

Your support is needed in exposing this elaborate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Please, note in attached documents TD # XXXX ( XXXX ) was used to get over $ XXXX. $ $ $ $ belong to XXXX  partners which does not have an account with TD. 

After XXXX month, TD closes # XXXX ( XXXX ). 

Immediately TD opens a new account. #. XXXX TD has my $ $ $ ( MCS partners ). Never, ever had an account with TD. 

TD is enabling # XXXX continue as new XXXX #. XXXX. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to t
he disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief