vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
I am disputing the following charged-off accounts and inquiries listed on my TransUnion credit report. The information appears to be inaccurate or incomplete, which could be unfairly affecting my XXXX XXXX. 

Charged-Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is incorrectly reported as charged off. I request verification and correction. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Dispute Reason : The charge-off status of this account is inaccurate. Please verify and correct it. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} Dispute Reason : Inaccurate reporting of charge-off status. Requesting clarification and correction. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Dispute Reason : Discrepancies in charge-off status and balance. Please verify and update the details. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Dispute Reason : I request a review of this account 's status and balance for accuracy. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Dispute Reason : Incorrect charge-off reporting. Requesting verification and correction. 

Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The bankruptcy is inaccurately reported and needs correction.

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 2025-11-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-04 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: SD

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX IN, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$360.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$250.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$740.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$420.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} Inquiries : None listed for Equifax. 

Positive Accounts : None listed for Equifax. 

Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Unable to open an account because inaccurate information was reported to the bank by early warning and XXXX XXXX who dont have the rights to my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
Dear TransUnion, I am requesting a dispute of the following items on my credit report. The details listed below are incorrect and I ask that you investigate them promptly : 1. XXXX XXXX ( XX/XX/year> ) Past due amount : {$2900.00} This account is reported as past due, but I believe there is an error. Please review and provide verification of the current status and balance. 
2. XXXX XXXX XXXX ( XX/XX/year> ) Past due amount : {$27000.00} I believe this amount is inaccurate and would like to request a full investigation to ensure its accuracy. 
3. XXXX FINANCIAL SER ( XX/XX/year> ) Past due amount : {$5000.00} Please review this account. The past due status appears to be incorrect. I request verification. 
4. XXXX BANK ( XX/XX/year> ) Closed balance : {$23000.00} The account is marked closed with an incorrect balance. Please verify and update the record accordingly

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting a review of these late payment records, and if they can not be fully verified, I ask that they be updated or deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
I am disputing the items listed under " XXXX XXXX, '' " Inquiries, '' and " Late Payments. '' The information reported is either incomplete or inaccurate, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). I request a full investigation and correction of the data, including the removal of any incorrect items from my credit file. 

CHARGED OFF XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: VT

Complaint narrative:
I applied to a RobinXXXXXXXX XXXX approximately a month ago. When I Attempted to activate it I noted that it didn't use my customary online activation routine. It required scanning a barcode. I shredded the card. I received a bill today and again was directed to a barcode which I have no access to. I attempted explining this many times with Robinhood online customer support. I never received a satisfactory answer but was continuously passed to the next " representative ''. In closure I have no intention of using card or account as it is shredded as I have no access to the account, and no real customer service support. My main concern is this affecting my credit and having the fees add up even though I'm not using the card. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

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 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 2025-11-04 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: FL

Complaint narrative:
I need to be clear, this complaint is not a mistake. Multiple accounts on my credit report contain information that does not meet the standard of maximum possible accuracy. These persistent inaccuracies have continued despite my efforts to correct them and are causing measurable harm to my creditworthiness and daily life. The ongoing presence of unverified or incorrect entries is unfairly limiting my financial options during an already difficult time and must be treated as a serious reporting failure.

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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app flagged my account as being suspicious, why I have no clue except logging in On new device. They locked my account told me I would receive email. Within 24 to 48 hrs. About 84 hrs later I received an email .when I went to login to cashapp XXXX XXXXXXXX doesn't excist.I had all my .money In That account which was XXXX which may sound awful to some, people. But when thatsall you have that's all you have Now account is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX i was sent out a check from US Bank for a refund for over paying for mortgage insurance for a total of XXXX. Once i received the check on XX/XX/XXXX i deposited the check into my account through my XXXX XXXXXXXX XXXX XXXX account app. Funds appeared in my account and on XX/XX/XXXX the check they issued was returned and my checking account went into negative {$1000.00}. i have been calling since XX/XX/XXXX to resolve the issue and US Bank keeps giving me different information every time i speak with them. the issue according to first rep was to be resolved by XX/XX/XXXX and was not,, i called again on Monday XX/XX/XXXX and they told me it would take another day or so. i called today XX/XX/XXXX and they are now telling me another date of XX/XX/XXXX until they can return my funds. i feel very deceived at this point and they are not doing anything to resolve my issue. i am negative balance and am a single income home and have nothing to feed my kids with because my checking account is in the negative.

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 2025-11-04 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX  I withdrew {$300.00} from Wells Fargo ATM at XXXX XXXX XXXX, XXXX, CA. The ATM debited my account ( ending in XXXX ) but never dispensed cash. I have the receipt proving the transaction was processed and my account was charged. 
I filed a Regulation E dispute on XX/XX/year> ( Claim # XXXX ). Wells Fargo provided provisional credit as required by law. 
On XX/XX/year>, Wells Fargo denied my claim, stating they found 'no error ' and plan to reverse the provisional credit on XX/XX/year>. 
On XX/XX/year>, I called to dispute their denial and spoke with Claims Resolution Manager XXXX ( Employee ID : XXXX ). She admitted Wells Fargo has NO camera footage of my transaction. Their denial is based SOLELY on the ATM being 'balanced ' at end of day. 
Manager XXXX stated that even if cash got stuck in the machine and someone else took it later, that is a 'dispute they won't refund. ' This contradicts Regulation E, which requires the bank to prove transactions were completed correctly. 
Wells Fargo has XXXX  direct evidence I received the {$300.00} - no video footage, no witness, nothing. Only circumstantial evidence that the ATM balanced hours after my transaction, which proves nothing about whether I personally received the cash. 
I am a decades-long Wells Fargo customer. Under Regulation E, the burden of proof is on the bank. They can not prove I received this money and admitted they have no footage to verify what happened.

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 2025-11-04 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX  Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We deposited funds to my account on XX/XX/XXXX with XXXXXXXX XXXX  in Florida. It's a Cashiers check at a local branch to my Bank of America. 
We understand a personal check 7 days, however cashiers check should be faster, as it's as good as cash we were told. However Bank of America will not release our funds to our bank of america account until XX/XX/XXXX. We spoke to Bank of america team they said they would not give us a case number. They refused to follow Regulation CC to provide minimum {$5500.00} the next business day as they should. They are holding our money on hostage for no particular reason except to make them more money. There is no fraudulent activity, the names are clear. It is not new account, i have been a account holder since XXXX. Please help me file an official complaint or provide legal advice.

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