vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
While I owe {$700.00}, my online statement shows a {$0.00} balance and no minimum payment is shown. I called customer service, which denied this was the case and stated that this information was on the statement. I am worried that any attempt at payment may not be credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am filing this complaint because XXXX  XXXX and the credit reporting agencies are reporting inaccurate and incomplete information on my credit file and instead of running a fair investigation of deleting the account for having inaccurate information they varify and update the information several times which had a bad impact on my credit score of causing by falling drastically I disputed my XXXX  XXXX account ending in XXXX, and XXXX XXXXXXXX responded in writing on XX/XX/XXXX ( letter attached ). In their response, they confirmed the following : Account closed : XX/XX/XXXX Last payment : XX/XX/XXXX First date of delinquency : XX/XX/XXXX The XX/XX/XXXX entry is not a valid date and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ), which requires furnishers to accurately report the month and year of the first delinquency. This date is essential to ensure accurate reporting and to determine the correct XXXX reporting period for negative information. 

By reporting an invalid date of delinquency, XXXX XXXX has furnished incomplete and unverifiable data. Despite this, the credit reporting agencies continue to publish the account on my credit report, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requiring deletion of information that is inaccurate or can not be verified. 

Requested Resolution : Immediate deletion of the XXXX  XXXX account ending in XXXX from all of my credit reports ( Experian, Equifax, TransUnion ). 
Written confirmation of the deletion. 
XXXX that no unverifiable or incomplete information will be reinserted into my file without full compliance with the FCRA. 

Attached Evidence : XXXX XXXX  response letter dated XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: RI

Complaint narrative:
I am filing this complaint because XXXX  XXXX and the credit reporting agencies are reporting inaccurate and incomplete information on my credit file and instead of running a fair investigation of deleting the account for having inaccurate information they varify and update the information several times which had a bad impact on my credit score of causing by falling drastically I disputed my XXXX  XXXX account ending in XXXX, and XXXX XXXXXXXX responded in writing on XX/XX/XXXX ( letter attached ). In their response, they confirmed the following : Account closed : XX/XX/XXXX Last payment : XX/XX/XXXX First date of delinquency : XX/XX/XXXX The XX/XX/XXXX entry is not a valid date and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ), which requires furnishers to accurately report the month and year of the first delinquency. This date is essential to ensure accurate reporting and to determine the correct XXXX reporting period for negative information. 

By reporting an invalid date of delinquency, XXXX XXXX has furnished incomplete and unverifiable data. Despite this, the credit reporting agencies continue to publish the account on my credit report, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requiring deletion of information that is inaccurate or can not be verified. 

Requested Resolution : Immediate deletion of the XXXX  XXXX account ending in XXXX from all of my credit reports ( Experian, Equifax, TransUnion ). 
Written confirmation of the deletion. 
XXXX that no unverifiable or incomplete information will be reinserted into my file without full compliance with the FCRA. 

Attached Evidence : XXXX XXXX  response letter dated XX/XX/XXXX 2025

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am filing this complaint to demand an immediate federal investigation into a missing {$1000.00} transfer between XXXX  XXXX XXXX, XXXX. and XXXX XXXX XXXX XXXX. 

The money was withdrawn from my XXXX  XXXX XXXX account and sent to XXXX, but it was never credited to my XXXX account and never returned to me. I have been trapped in a cycle of blame-shifting between both institutions for weeks : - XXXX XXXX XXXXXXXX claims the transaction was completed and tells me to contact XXXX. 
- XXXX  claims they never received the funds and tells me to contact XXXX  XXXX XXXX. 

As a result, my {$1000.00} has simply vanished, and neither institution provides proof of where the funds are currently held. 

I have already filed formal complaints with both companies, and both responded with generic template replies, completely avoiding the substance of my claim. This appears to be gross negligence, willful disregard of consumer protection obligations, and potential concealment of financial misconduct. 

This situation represents a serious breach of consumer protection law and possibly a coordinated evasion of regulatory accountability. Both institutions are effectively accusing the consumer of fraud by implication while refusing to produce evidence or return the funds. 

I am requesting CFPB to : XXXX. Initiate a formal inter-institutional investigation involving both XXXX XXXX XXXXXXXX and XXXX  XXXX XXXX XXXX. 
XXXX. Obtain verifiable documentation of the transaction trail and current location of funds. 
XXXX. Enforce restitution of the missing {$1000.00} to my account. 
XXXX. Escalate this case to higher regulatory or enforcement authorities if either institution continues to obstruct or ignore the investigation. 

Furthermore, I must make this clear : if CFPB fails to act or dismisses this case with another automated template response, I will file a formal complaint against CFPB itself for negligence and complicity in an apparent coordinated consumer fraud scheme between regulated entities. 

This is not a casual complaint this is a documented case of lost funds, mutual denial of responsibility, and complete regulatory inaction. I expect CFPB to take this as a priority case and ensure that accountability is enforced on all sides, including regulatory bodies if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX for XXXX I went to XXXX XXXX  to receive the XXXX. I felt that something was wrong as the only place I wanted the XXXX put was not even touched, My face wasn't cleaned, The needle was huge, And there were welts on my face. When leaving I left a tip with my credit card thinking that I had received the product that I purchased the next day I realized I have not. The shots were put everywhere but nowhere XXXX should be put. My face still moved so no product was put inside me and the needle was way too big as I've never had a XXXX needle even leave a mark on me. I took pictures and sent them to my credit card company I purchased the XXXX with who disputed the charges successfully and I disputed the charge for the tip from this credit card that I'm writing the complaint about and they denied my dispute. This girl was giving shots she's not a nurse and there was no other person in the building She has all XXXX XXXX  reviews and the business is closed. I refuse to give someone a tip that didn't even do what I requested but instead botched my face. I am requesting the money back because I did not even get what I thought I purchased. Also, I filed a dispute on XX/XX/XXXX and received a notice of denial today which is much longer than 30 days. I was on my way to vacation and had to scurry to find someone to do XXXX quickly. She wasted my time XXXX  my face and took my money and the credit card company is allowing this.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: TX

Complaint narrative:
Lexis Nexis, after requesting a full disclosure of my personal information has never responded nor sent confirmation of my request and or made a claim that I was unidentifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Dear CFPB Agent, I am writing to dispute inaccurate information appearing on my Experian credit report. When I first obtained the report from Experian on XX/XX/XXXX, it contained nine credit card accounts that do not belong to me, including three issued by XXXX XXXX, four by XXXX XXXX XXXX by XXXX XXXX, and one by XXXX XXXXXXXX XXXX XXXX In addition, the report listed more than a dozen incorrect addresses, XXXX incorrect names, an incorrect year of birth, and several telephone numbers that are not associated with me. Please refer to the attached credit report I retrieved from Experian when I initially filed the dispute. 

Following my initial dispute, Experian corrected several errors by : 1 ) Removing two XXXX XXXX accounts, three XXXX XXXX XXXXccounts, one XXXX XXXX account, and one XXXX XXXX Bank account XXXX 

2 ) Removing all incorrect addresses, names, date of birth, and telephone numbers. 

However, two disputed credit card accounts remain unresolved : one issued by XXXX XXXX ( see page XXXX of the attached report ) and one by XXXX XXXX ( see page XXXX ). 

On XX/XX/XXXX, I contacted both XXXX XXXX and XXXX XXXX and confirmed that no accounts have ever been opened under my Social Security number. I subsequently filed a second dispute with Experian and provided this information. Despite that, Experians reinvestigation concluded that the XXXX XXXX account information was verified as accurate. On the very same day, I again contacted XXXX XXXX customer service, who reconfirmed that there has never been any account issued under my Social Security number. 

On XX/XX/XXXX, I called Experian to request a detailed explanation of how such inaccurate accounts were added to my file. The representative denied any fault on XXXX part and attributed the errors to the creditors. However, under the Fair Credit Reporting Act ( FCRA ), Experian bears the responsibility for ensuring the accuracy and integrity of consumer credit reports. It seems highly improbable that multiple unrelated creditors could have simultaneously made identical errors. 

These inaccuracies have negatively affected my credit standing and caused significant distress. 

Thank you for your time and attention to this matter. Please let me know if you require any additional information or documentation. 

Sincerely,

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 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank , N.A . has unlawfully disclosed and sold my personal and financial informationincluding my name, drivers license number, Social Security number, address, email, and transaction details ( amounts, dates, and purchases ) to third parties including XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX without my consent. 

These actions violate multiple federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), the Right to Financial Privacy Act ( 12 U.S.C. 34013422 ), and Section 5 of the FTC Act ( 15 U.S.C. 45 ), which prohibit unauthorized disclosure and unfair or deceptive practices. 

I have sent several written notices to Wells Fargo demanding that they stop sharing my information and provide a full accounting of the data disclosed, but they have failed to respond or correct the violations. This has caused me stress, emotional distress, loss of privacy, and potential exposure to 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 explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am writing to dispute several items on my credit report that are inaccurate, obsolete, or were reported without permissible purpose. This letter is a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically citing 605 ( a ) ( obsolete information ), 623 ( a ) ( 5 ) ( obligation to report accurate Date of First Delinquency DOFD ), and 604 ( a ) ( 3 ) ( permissible purpose for furnishing/obtaining consumer reports ). A brief note about my situation : over the last several years I have moved and consolidated many financial accounts, and I carefully monitor my credit. I recently discovered multiple tradelines and address entries that do not match my records, plus inquiries I did not authorize. Below I list each disputed item and explain why I am asking for correction or removal. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several items on my credit report that are inaccurate, obsolete, or were reported without permissible purpose. This letter is a formal request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically citing 605 ( a ) ( obsolete information ), 623 ( a ) ( 5 ) ( obligation to report accurate Date of First Delinquency DOFD ), and 604 ( a ) ( 3 ) ( permissible purpose for furnishing/obtaining consumer reports ). A brief note about my situation : over the last several years I have moved and consolidated many financial accounts, and I carefully monitor my credit. I recently discovered multiple tradelines and address entries that do not match my records, plus inquiries I did not authorize. Below I list each disputed item and explain why I am asking for correction or removal. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-27 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: TX

Complaint narrative:
I am begging for your attention because I still see inaccurate accounts on my credit report and they have not been taken off. This has been haunting me and I am pleading that the documents I attached are carefully reviewed so I can finally stop living in fear of this continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
A medical collection account originally dated XX/XX/XXXX has been incorrectly reported by the data furnisher as a newly opened account in XX/XX/XXXX. This misreporting makes the account appear recent, which has caused an unwarranted drop in my credit score.

Under the Fair Credit Reporting Act ( FCRA ), it is unlawful to re-age or update the open date of a collection account to a newer date than the original date of first delinquency. This account should be reported with its original delinquency date of XX/XX/XXXX, which is now beyond the seven-year reporting period limit for XXXX XXXX. 

I am requesting that Experian correct or delete the inaccurate account immediately and ensure the account reflects the proper original date of delinquency so that my credit report accurately represents my credit history. 

This same account is already under review with the CFPB under case ID XXXX related to TransUnion. Please reference that case for consistency in resolution.

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 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
Midland credit management in XXXX coirsed me into a contract by manipulation in an extreme manic state, not of right sound of mine. I called back XXXX days later for a stop to a payment plan I made in a hyper vigilant state of panic and anxiety. 
I explained to this woman, whom probably does not work there, my income comes from ssdi. It did not matter to her, as she listened to me break down and cry in the phone call, she pretended to be my friend, and try to comfort me. 
When I called back to cancel this erroneous contract, she said ok, and I said when I return to a stable mind, I would call back. She said ok. 
This was on phone, she had me going back and forth from the emails she was sending, to hurry and sign the contracts. I was in a distressed state. 
XX/XX/XXXX. XXXX is taking me to court through a collection lawyer, and now is reporting on my credit report late payments that were made on an invalid contract. I was not of sound mind, and she took extreme advantage of this. This court complaint has had great detrimental consequences on my life as well as my financial health and credit. I have been in extreme distress since receiving these papers. My mental state from this is destroying any work I have made, I can not et, sleep is disrupted and dont want to go outside, for fear of a sheriff or someone coming up. I will need help if a trial is set, as in accommodations from the court. I have not left my house in two weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company response to consumer: Closed with explanation