vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: VA

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 XXXX 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 you have 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-09 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:
The credit assessment doesn't reflect my true financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
My financial integrity isnt evident in the credit review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully placed on my credit report. These accounts were never authorized or opened by me and represent serious inaccuracies that undermine the integrity of my credit profile. Their presence misrepresents my financial history and creates harm to both my reputation and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NY

Complaint narrative:
The account with Self/Lead ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX | Phone : ( XXXX ) XXXX ) is being reported inaccurately. The account was paid in full and closed on XX/XX/year> with a {$0.00} balance, but it is showing late payments, a derogatory status, and duplicate remarks ( Closed Closed ). The payment history percentage is also inaccurate considering the account was only open for a few months before being closed. 

This reporting is misleading and does not accurately reflect my payment history.

Resolution Requested : Please investigate and correct this reporting so it reflects the accurate status : Closed, Paid in Full, Never Late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo N.A. continues to apply payments made in a way that unfairly charges customers interest. The store card that I have is issues by Wells Fargo, and the store provides special financing terms for purchases over qualifying amounts. These terms are usually 0 % interest if paid by a certain date. I have taken advantage of these terms several times, resulting in my account having multiple special terms balances active at the same time. However, when Wells Fargo applies the payments made to the account, they do not prioritize the application of the payment in a way that benefits the customer, but rather in a way that benefits them. For example, in one of my recent statements ( covering XX/XX/year> to XX/XX/year> ) I had the following balances : {$44.00} - Standard Transactions ( no special financing ) {$97.00} - 0 % interest ending on XX/XX/year> {$340.00} - 0 % interest ending on XX/XX/year> {$760.00} - 0 % interest ending on XX/XX/year> I made a payment of {$200.00}. The appropriate application of the payment would have been : ( 1 ) The Standard Transactions which will bear interest if not paid in full. {$44.00} ( 2 ) The deferred Interest balance expiring soonest. {$97.00} ( 3 ) The deferred interest balance expiring next : {$57.00} This would have left me with the following balances on my next statement : {$0.00} - Standard Transactions {$0.00} - 0 % interest ending on XX/XX/year> {$290.00} - 0 % interest ending on XX/XX/year> {$760.00} - 0 % interest ending on XX/XX/year> XXXX Wells Fargo applied the payment as follows : ( XXXX ) The Standard Transactions which will bear interest if not paid in full. {$20.00} ( 2 ) 0 % interest ending on XX/XX/year> - {$97.00} ( XXXX ) 0 % interest ending on XX/XX/year> - {$25.00} ( 4 ) 0 % interest ending on XX/XX/year> - {$55.00} This left me with the following balances on my statement covering XX/XX/year> through XX/XX/year> : {$24.00} - Standard Transactions ( no special financing ) {$0.00} - 0 % interest ending on XX/XX/year> {$320.00} - 0 % interest ending on XX/XX/year> {$700.00} - 0 % interest ending on XX/XX/year> Because my Regular balance was not paid in full due to the unfair application of the payment, I was charged {$0.00} in interest which Wells Fargo then rounded up to {$1.00} as their " Minimum interest fee ''. This shows up as a " FEE '' and not as " INTEREST ''.

As you can see, Wells Fargo is not only being unfair to customers, but overcharging them for interest as well. While it may only be {$1.00}, it is unfair, and across thousands of accounts, it results in a large stream of unfairly gained revenue.

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 2025-09-09 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: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
On XX/XX/2025, I applied online and was approved for a {$600.00} loan from Uprova.com ( Uprova Credit , LLC ). They deposited {$600.00} to my checking account on the same day. 

I learned that my checking account would be debited {$160.00} every two weeks, beginning on XX/XX/XXXX. There will be 15 bi-weekly payments. The annual percentage rate for this loan is 689.98 %. The finance charge for this loan will be {$1800.00}. 

On XX/XX/XXXX, I contacted my bank to stop payment. They initiated the stop-payment but informed me that it might not be enough to stop the Uprova debits. 
Today, XX/XX/XXXX, in spite of the stop payment order, Uprova debited my account for the first payment of {$160.00}. 

I have not yet contacted Uprova.

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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
I called and messages many times Freedom Mortgage regarding an escrow analysis they made and that was incorrect, saying that they had to remove the home owner insurance from the balance as it was a future payment ( to be maid in XX/XX/XXXX ) and we will take care of it. They refused to do so and asked full payment, even if we will pay our home owner insurance directly to the insurance company. We ALWAYS handled the home owner insurance and from XXXX ( year that freedom bought our mortgage ) they took care without letting us know. Never had a communication from them. They are saying that we can pay our home owner insurance directly But we still have to pay the negative balance in escrow ( in full ), even though more than half of us related to a payment that they wont make towards our insurance company and it looks like we wont get that money back.

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 2025-09-09 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: OK

Complaint narrative:
I requested a copy of my free annual credit report and seen accounts on it that wasnt mine. So I reached out to the police department to have them to write me a identity theft report to have those accounts removed from my credit report reports and also their are duplicate accounts like XXXX XXXX XXXX Acct # XXXX {$1600.00} XXXX XXXX XXXX XXXX Acc # XXXX {$1600.00} This account was sold to XXXX XXXX and its still shows on my credit reports Also XXXX XXXX  XXXX XXXX It doesnt have a account number {$240.00} is the dollar amount open XX/XX/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 2025-09-09 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I went to Regions to get a cash advance and they said they would match what was ever on my card from another bank and they took the money off my card and gave it to me. They said I did a cash advance I believe they stole it. And are now going to have me pay it back. I asked them repeatedly to give me the money and why would they take the money off my card and give it to me. And say that was a cash advance. This happened last week.

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 2025-09-09 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: MO

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-09-09 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-09-09 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
See screenshots also, but I opened a credit card as per their offer said open a credit card by XX/XX/year> and spend {$1500.00} to receive {$100.00} in cro I opened it by XXXX and spent {$8000.00} ( way over the required amount ) the offer window closed and I never received my reward Ive contacted support many times and they either ignore me, or respond with nonsense irrelevant to the issue. At this point my mental health is very agitated I am not only requesting they settle upon the {$100.00} cro reward they owe me but since Ive spent {$8000.00} they owe me the {$1500.00} in cro or defer my credit card balance and also still pay the cro owed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
Violation of the fair credit act company refuses to provide the original contract as per the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
On Saturday, XX/XX/XXXX, I made XXXX transfers from the Robinhood spend account to my XXXX  XXXX XXXX account. Upon the third transfer ; Robinhood restricted my account. As a result, I have lost access to withdraw my funds. I am a XXXX individual with XXXX  XXXX. The funds which are deposited in the spend account is my social security money for the month to pay my bills. Additionally, on Monday l, XX/XX/XXXX, my school XXXX XXXX  office deposited XXXX dollars in the spend account to pay my tuition for the semester. I have called customer service for Robinhood several times since Saturday with no help. Its as if they are reading a script and no one can tell me what the unusual activity on my account was or explain specifically why my account was restricted. I have e-mailed support and I have recieved the same scripted response. Yesterday they then requested my statements for my XXXX  XXXX XXXX account to prove it was me that did the transfers. Though Im not certain why what is in my personal bank account any of Robinhood business, I did submit the statements. After that the review date completion of XX/XX/XXXX was now changed to XX/XX/XXXX. As a result of Robinhoods actions ; I am incurring late fees on all my bills and unable to pay my school tuition or even purchase my books for my classes which have already started.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: AL

Complaint narrative:
The bill was paid off and there saying its not I had to pay it off before I purchased my house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rightsXXXX  under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation