vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I have tried resolving the XXXX incorrect XXXX scores for XXXX  years. I attempted XXXX  years ago to resolve this, but it was not resolved, and I did not pursue complaints and ignored it until today. I do not have the emails from XXXX  years ago. I checked my XXXX scores on XXXX from the account that uses XXXX as the email/user and I noticed that Equifax is XXXX showing XXXX, same as it has been showing from XXXX  years. At that time, TransUnion was incorrect as well. Today, TransUnion shows the same score that TransUnion reports ; however, Equifax 's score is still incorrect. I notified XXXX about the problem. It was difficult to find this email to know how to file a complaint with them. Also, I can not dispute the score from their site because it only allows disputes of credit lines are loans. I emailed on XX/XX/year>, and it seems they fixed the TransUnion score ; however, the Equifax score is still showing XXXX when it hasn't been above that for over 2 years ; currently, Equifax reports it as XXXX. XXXX 's support emailed me stating they are only a credit reporting company and do not set the scores, and these are the scores coming from Equifax. I called XXXX on XX/XX/year>, and they said they are reporting it correctly, as it is shown on the credit report as XXXX and on their site. So one of these companies, most likely XXXX, needs to take responsibility and update the score according to Equifax 's reporting. I have the emails and screenshots of XXXX 's scores and Equifax 's scores. I have attached a credit report back in XX/XX/year>, which shows my credit was XXXX, and the screenshot that shows today it is XXXX. So this is proof my credit score has been much higher than XXXX for a long time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting a formal dispute regarding the accounts listed below. I request that these accounts be reviewed and the relevant corrections be made to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please verify the accuracy of this information and provide documentation supporting the reporting of this account as charged off. If the information can not be verified, I respectfully request its removal. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$420.00} Please verify the accuracy of this information and provide documentation supporting the reporting of this account as charged off. If the information can not be verified, I respectfully request its removal. 

Inquiries : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/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 2025-11-06 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: SC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-11-06 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
The information for the account is incorrect as it has been sold to a debt collection company

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 2025-11-06 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This correspondence concerns the Bank of America credit card account referenced in my XXXX credit report via XXXX XXXX, as captured on or about XX/XX/XXXX, confirming that the account opened on XX/XX/XXXX, was charged off and closed by the creditor on or about XXXX XXXX XXXX, with a last reported payment on XXXX XXXX XXXX, and reported as of XX/XX/XXXX, showing a balance of {$0.00} but with ongoing derogatory marks including multiple instances of 30/60/90+ days late and a charge-off status. I never authorized any sale, transfer, closure, charge-off, or disclosure of my non-public personal or financial information related to this account.

The transaction and reporting appear to contravene several federal consumer-financial-protection regulations contained in Title 12 of the Code of Federal Regulations ( C.F.R. ) as summarized below.

1. 12 C.F.R. Part 1016 Regulation P ( Privacy of Consumer Financial Information ) 1016.4 Initial privacy notice required.

1016.7 Limits on disclosure of non-public personal information.

1016.10 Limits on redisclosure and reuse. Bank of America provided no advance privacy notice or opt-out opportunity before transferring my information to any non-affiliated third party, including credit reporting agencies. Any transfer of account identifiers or data therefore violates these provisions.

2. 12 C.F.R. Part 1022 Regulation V ( Fair Credit Reporting ) 1022.42 Duties of furnishers regarding accuracy and integrity.

1022.43 Duty to correct and update information. Reporting a closed and charged-off account with a last payment in XXXX while retaining inaccurate and misleading credit data, including derogatory marks for delinquencies post-closure, and no correction notice has been issued. 
3. 12 C.F.R. Part 1006 Regulation F ( Fair Debt Collection Practices Act ) 1006.6 Restrictions on third-party disclosure.

1006.30 Prohibited transfers of disputed or invalid debts. Use of data for reporting a charged-off and closed account constitutes unauthorized third- party disclosure and handling of a disputed account.

4. 12 C.F.R. 1026.40 ( f ) Regulation Z ( Truth in Lending Act ) Creditors may not terminate an open-end plan or assign an account except as allowed by contract or law. Closing the account and then asserting continuing liability through derogatory reporting while a security interest remained violates this regulation.

5. 12 C.F.R. Part 219 Right to Financial Privacy 219.4 Notice to customer and record requirements. Bank of America did not obtain written authorization or give proper notice before releasing financial records to a third party.

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 2025-11-06 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: NY

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of multiple late payments by Experian. According to their records, several payments are being falsely reported as late when, in fact, they were made on time. Despite these inaccuracies, the false information remains on my credit report, unfairly harming my credit score and overall credit standing.

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 2025-11-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The XXXX  stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: 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 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, 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 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MA

Complaint narrative:
I reported five unauthorized XXXX charges totaling {$4200.00} on my Cash App debit card on XX/XX/year>. Under federal law ( Regulation E, 12 CFR 1005.11 ), XXXX XXXX  was required to either : ( 1 ) complete the investigation within 10 business days, or ( 2 ) issue a provisional credit if unresolved. Today ( XX/XX/year> ) is the 10th business day. XXXX XXXXCash App has done neither.

Instead, Cash App support and a manager have repeatedly denied that they are required to follow Reg E, told me they can not guarantee a provisional credit, and attempted to close the case without issuing a credit, denial, or written extension. This is a serious violation of federal law and consumer rights. 
Additionally, the merchant ( XXXX ) confirmed on XX/XX/year> that the chargeback was processed and they are not contesting the dispute. There is no merchant evidence pending and no justification for delaying the provisional credit. 
I am filing this complaint because XXXX XXXX  and Cash App are deliberately withholding the provisional credit required by Reg E and misrepresenting their legal obligations.

I am requesting immediate issuance of the {$4200.00} provisional credit, a full written explanation from the bank, and corrective action for their failure to comply with Regulation E.

This is consistent with the same Reg E violations that Cash App and XXXX XXXX  were fined for in XX/XX/year>, when they were ordered to pay {$170.00} XXXX for failing to provide provisional credits and mishandling fraud disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: UT

Complaint narrative:
What happened : I am disputing a fraudulent balance transfer that was moved from my former XXXX XXXXXXXX XXXX XXXX to my current Citi credit card. The underlying debtoriginally {$12000.00} and now $ XXXXwas created through forged documents submitted by a third party named XXXX XXXX XXXX 

In XXXX I authorized a purchase for a property service that was never completed. When the merchant failed to deliver, I disputed the charge with XXXX as goods and services not provided. 
After that dispute, the merchant submitted a forged DocuSign lease agreement and completion report. These documents contain a copy-pasted image of my DocuSign signature and were never executed in my DocuSign account ; they have no valid audit trail or Certificate of Completion. 

Despite my police report ( XXXX XXXX Sheriff # XXXX ) and my FTC Identity-Theft Report, XXXX reinstated the charge using the forged paperwork. I later transferred the balance to Citi to secure a 0 % APR promotion while continuing to contest the fraud. The balance therefore originated from identity theft, forgery, and an unresolved billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

XXXX has now closed its CFPB case ( # XXXX ) without producing verifiable authorization records such as the original DocuSign envelope metadata or audit trail. Citi now holds and reports this same fraudulent balance. 


Supporting documents provided : Police Report # XXXX FTC Identity-Theft Report ( XXXX ) XXXX XXXX XXXX DocuSign comparison XXXX correspondence ( XX/XX/XXXX ) Certified-mail receipts and timeline summary This complaint is not about payment delinquency but about a fraudulent transferred debt that originated from forged merchant documents. I am asking Citi to conduct a reasonable, verifiable investigation and remove the invalid balance if authenticity can not be proven.

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 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: KY

Complaint narrative:
I am submitting this complaint because Prestige Financial wrongfully repossessed my vehicle after they instructed me to sign and return a revised Retail Installment Sales Contract ( RISC ) to stop the repossession. I was given 10 days to sign and return the agreement, and I completed and submitted it within their required timeframe. Prestige confirmed that the repossession would be placed on hold while they processed the updated RISC.I asked for copies of our communication during this time and they didnt give me it. So this is all the copies of our communication during this time that I have.

Despite fulfilling all requirements, Prestige still repossessed my vehicle. I was XXXX weeks XXXX  at the time and was left without transportation for nearly a month. I then had a XXXX and continued to be without a vehicle during recovery, creating major hardship and health risk for me and my XXXX. 

Additionally The vehicle title is in the wrong name, which I have also informed Prestige about.

I have paid approximately {$12000.00} toward this loan, but only about {$3000.00} has been applied to the principal. The remaining amount appears to have been applied to interest and unexplained fees.

The remaining balance is approximately {$18000.00}, despite the vehicle currently being valued at roughly {$7000.00}, which results in an extreme and unfair debt imbalance.

This repossession was carried out after Prestige assured me it would be prevented based on my timely compliance with their instructions.

This repossession was wrongful, the account should be settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NM

Complaint narrative:
I filed a complaint with the CFPB ( XXXX ) that Experian had not removed old, former, outdated and inaccurately personal information/addresses on my Credit report and they have also blocked me from seeing my Credit report. I received a response back from Experian by email stating my dispute is complete but when I go to the view results it takes to the Experian site where I am directed to call Experian. I do NOT want to call Experian ; I want everything done in writing and through the CFPB. For me to call would defeat the purpose of filing a complaint with the CFPB.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, My XXXX told me that {$510000.00} was taken from my savings. 
the money came from a inheritance. My wife at the time forged my signature and moved the money to a money market. My wife at the time removed the funds. 
My wife at the time had no legal right to do so. I informed my bank and they had me sign a fraud affidavit. I've been in contact with bank monthly and nothing has been done. Now the bank wont even return emails or calls.

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