vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received an email from Wells Fargos co-brand partner XXXX that says my credit authorization for residential payment this month has gone up to {$5800.00}. 

The email reads Your auto-authorization has just gone into effect. Your existing auto-authorization of {$5800.00} has been combined with your remaining one-time manual authorization amount of {$20.00}, allowing you to make payments up to {$5800.00}. Your authorization window has been reset to five ( 5 ) days, and will expire on XX/XX/year>. 

The problem statement here is Wells Fargo did not honor the residential payment on XX/XX/XXXX and XX/XX/XXXX. They could not process the transactions. Even though my credit limit was sufficient for this transaction, Wells Fargo still returned the check. 

I fully intended to use my XXXX XXXX XXXX XXXX to make the residential payment. I did not intent to use my checking account.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I opened a Citibank checking account online after seeing an official promotional offer on Citibanks website for a {$750.00} bonus for new customers who deposited at least {$30000.00} and fulfilled qualifying activities. The offer clearly stated that the promotion was available from XX/XX/XXXX to XX/XX/year>, and did not indicate it was targeted or invite-only. 

To ensure compliance with all terms, I visited a Citibank branch before making my deposit to confirm that my account was eligible and active. I then deposited the total of {$30000.00} by XX/XX/year>. 

After the deposit, I was told by Citibank staff that a different ( lower ) {$320.00} promotion had already been applied to my account, and that they could not change it. When I escalated the issue by phone, a Citibank supervisor stated that the {$750.00} offer was for targeted customers only, but provided no evidence, and admitted the link I clicked led to Citibanks own official website. Despite showing a screenshot from the site stating that new checking customers could choose your bonus, the supervisor claimed I was ineligible simply because I didnt receive an email or invitation. 

The Citibank representative also refused to provide any public documentation of the targeting requirement, claiming those internal terms were not accessible to me. 

Why this is deceptive : The {$750.00} promotion was posted on Citibanks own official website, not a third-party page. 
The promotion did not disclose any targeting limitation, and even listed options side-by-side with the {$320.00} bonus. 
I received no option to choose a promotion during account opening, and I was automatically enrolled in the lower promotion. 
The representative confirmed that promotions can be automatically assigned without user choice. 
Citibanks claim that only targeted users qualify for the better promotion is not disclosed on the public-facing materials and only revealed after the deposit is made. 
This contradicts fair advertising practices and violates principles of transparency and informed consent.

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 2025-05-30 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} 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 2025-05-30 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-05-30 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 delinquent payment showing on my credit report ( From XXXX through XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update the information to PAID/AGREED for the following time period for all delinquent accounts. For both XXXX XXXX  Account ending in XXXX, and the delinquent XXXX XXXX Accounts ending in XXXX and XXXX. 

In addition, the only closed XXXX credit card account appearing on Equifax is the XXXX ending in XXXX, but there is an additional closed account appearing on Experian and Transunion with the beginning account number XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that Experian and Transunion remove this account as it is not accurate on my credit report per the attachment below from all XXXX credit bureaus. 

Finally, the XXXX account beginning with XXXXXXXX XXXX XXXX XXXX XXXX is showing no late payments on my Transunion report, but shows late payments on my Equifax and Experian reports. Please update this information on Equifax and Experian to ensure this is properly reflecting no late payments.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The delinquent payment showing on my credit report ( From XXXX through XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update the information to PAID/AGREED for the following time period for all delinquent accounts. For both XXXX XXXX  Account ending in XXXX, and the delinquent XXXX XXXX Accounts ending in XXXX and XXXX. 

In addition, the only closed XXXX credit card account appearing on Equifax is the XXXX ending in XXXX, but there is an additional closed account appearing on Experian and Transunion with the beginning account number XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that Experian and Transunion remove this account as it is not accurate on my credit report per the attachment below from all XXXX credit bureaus. 

Finally, the XXXX account beginning with XXXXXXXX XXXX XXXX XXXX XXXX is showing no late payments on my Transunion report, but shows late payments on my Equifax and Experian reports. Please update this information on Equifax and Experian to ensure this is properly reflecting no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My TransUnion credit report contains inaccurate and outdated personal information that I have repeatedly tried to correct, yet it continues to be reported incorrectly. Specifically, an outdated previous XXXX XXXX XXXX XXXX XXXX, NC XXXX still listed, despite it no longer being relevant or tied to my current residency. This causes confusion during address verifications and reflects poorly on my credit profile. In addition, the listed employerXXXX XXXX XXXXis completely incorrect and has no association with my work history. I never worked there, nor did I authorize this employer to be included on my credit file. 

The presence of this inaccurate personal information is deeply frustrating and personally distressing. It undermines the credibility of my credit profile, especially during sensitive application processes like loans, housing, or employment background checks. These types of errors may stem from outdated databases or even larger data vulnerabilities. Given the frequency of data breaches affecting consumer information in recent years, I am deeply concerned about how my personal details are being managed and updated.

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 2025-05-30 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: MI

Complaint narrative:
I am filing this formal complaint to dispute the inaccurate and incomplete payment history associated with the account listed below. After reviewing my credit r

eport, I identified errors that I believe fall under billing errors as defined in 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ). I do not recall being late on the reported payments. Additionally, as required by federal law, I was not provided with a billing statement at least 21 days prior to the reported due dates. Therefore, no late payments should have been recorded on this account. Legal Basis for Dispute The creditor has failed to meet their obligations under : 15 U.S.C. 1666 ( b ) Billing Error, including : ( 4 ) Failure to accurately reflect a payment made or credit issued ; ( 5 ) Computation error
or similar accounting error on the statement. 

Disputed Account Late Payment ( Open ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late payment inaccurately reported Requested Action : Update to reflect Paid on Time Requested Documentation and Remedy I am formally requesting that the creditor and/or credit reporting agency provide : Documentary evidence proving that I was late on the listed payments. 

If no such documentation can be provided, the late payment entry must be corrected to show on-time payment status, in compliance with federal law. 

Next Steps Please treat this letter as an official dispute under the Fair Credit Reporting Act ( FCRA ) and a billing error claim under the FCBA. If the matter is not resolved or documentary proof is not provided, I will escalate this complaint to the : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX State Attorney Generals Office Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
they are taking way more Escrow out that's needed and it raise my payment and put a hard ship on my making my payment I have not been late or missed a payment since my FHA loan my loan was with XXXX they put me with shell point had nothing but problems since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
Third Notice of Dispute Demand for Deletion of INNACURATE Payment History Experian Report Number : XXXX To Whom It May Concern, This is my third written notice disputing the inaccurate reporting of a 60-day late payment on my Experian credit file associated with XXXX XXXX XXXX XXXX XXXX Despite my prior communications, Experian has failed to remove this inaccuracy or provide a legally sufficient Method of Verification, as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Experian continues to reference certification by the lender, yet : This lender no longer services or maintains the closed account.

No documentary evidence or method of verification has been provided to me.

Both XXXX and XXXX do not report any 60-day late payment as provided in my second notice, which raises serious concerns about Experians accuracy and due diligence.

Furthermore, the alleged 60-day late payment is dated XX/XX/XXXX, XXXX very day the account was paid in full. This clearly indicates an error in the payment history. I am not disputing the ACCOUNT ITSELF, but rather the inaccurate payment status being reported. 

This derogatory entry is causing measurable harm to my creditworthiness and ability to obtain credit. Under the FCRA, Experian is legally obligated to report ONLY ACCURATE AND VERIFIABLE information. Failure to correct or remove this entry after reasonable investigation, especially in light of the discrepancies and lack of evidence, constitutes willful noncompliance under the law. 

I am demanding the immediate deletion of the 60-day late payment from my credit file. Should Experian continue to report inaccurate information or fail to respond with a verifiable method of verification, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies for damages under 15 U.S.C. 1681n and 1681o.

Please consider this your final opportunity to resolve this matter amicably.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to express my deep concern regarding an ongoing issue with my secured credit card account at TD Bank. 

At some point, my credit card account disappeared from the TD Bank mobile app, and I have not been able to access it since. I attempted to resolve this issue by requesting a new card multiple times four separate requests in total but I never received a replacement. Despite calling customer service and visiting the branch in person on several occasions, I was not provided with any clear information. Each time, I was simply asked to return another day, with no resolution offered.

Because I was unable to access my account, I missed several payments, which have now significantly damaged my credit score. This situation has caused me a great deal of stress and financial hardship, and I am requesting immediate assistance to correct the errors on my account and take steps to repair my credit report. 

Please let me know how this matter can be resolved as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief