vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
referenced XXXX XXXX account under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 

The information you are publishing about this account is false, inconsistent, and unverifiable, violating federal law. 

Legal Grounds for Dispute : 15 U.S.C. XXXX ( b ) : Credit reporting agencies must assure the maximum possible accuracy of all reported information. The XXXX account reporting fails this standard. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Upon notice of dispute, you must conduct a reasonable reinvestigation. Rubber-stamping prior data is not a reasonable reinvestigation. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Information that can not be verified must be deleted. 
15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : Furnishers may not report information they know or should know to be inaccurate. 
15 U.S.C. XXXX and XXXX : Willful or negligent violations subject you to liability for actual damages, statutory damages, punitive damages, and attorneys fees. 

Specific Inaccuracies in Reporting : XXXX. Status Contradictions : TransUnion reports this account as Open with {$0.00} balance, yetXX/XX/XXXX lists it as Collection/Charge-off. An account can not legally be Open and Charged Off simultaneously. 
XX/XX/XXXX also claims it was included inXX/XX/XXXX which conflicts with the current Open reporting at TransUnion. These contradictions violate XXXX ( b ). 
XXXX. Balance Reporting : You are reporting a {$0.00} balance but simultaneously listing Unpaid balance reported as a loss by credit grantor. This is materially misleading. 
XXXX. Payment History / Status Codes : XX/XX/XXXX reflects multiple CO ( Charge-off ) entries while TransUnion shows Unknown/Current. This inconsistency is evidence of data corruption or unverifiable records. 
XXXX. Monthly Payment Obligation : Reporting a {$0.00} monthly payment on an installment auto loan is factually inaccurate and fails to reflect the original contract terms. 
XXXX. Date Conflicts : Last activity dates differ significantly between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ). Inaccurate dates materially harm creditworthiness and violate XXXX ( f ) accuracy standards. 

DEMAND FOR ACTION This account is unverifiable and materially misleading. Therefore, under 15 U.S.C. XXXX ( a ) ( XXXX ), you are required to : XXXX. Delete the XXXX XXXX account from all of my credit files immediately. 
XXXX. Provide a full explanation of the method of verification, including the name, address, and contact information of the individual who verified the data ( XXXX ( a ) ( XXXX ) ( B ) (XX/XX/XXXX ). 
XXXX. Send me updated copies of my credit report showing this deletion.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft, and the following inquiries are part of the identity theft and must be removed from my credit report as they are not a matter of fact because I never applied for credit with them. The accounts are : XXXX 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 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Back XX/XX/2024 I have switch auto insurance from XXXX XXXX  to XXXX because of a better rate from XXXX. XXXX was notify the same day when I have obtained new coverage from XXXX to terminate my coverage with them. they fail to do so. Now XXXX is claiming that my policy was cancel for no payment trying to collect a debt that's owe. I have provided to XXXX the declaration page from XXXX dated to XX/XX/2024 but XXXX decline to honor that. Why would have two auto insurance from two different provider for the same vehicle. In fact, I have never received any communication from XXXX or the collection agency that has reported to my credit report until I got an alert from XXXX. I have attempted to resolve the issue with XXXX and credit collection services but have been meet with hostility. in fact, I have never received any communications letter from the debit collector notifying me about the debt in order to give me an opportunity to resolve the issue. I'm requesting from them to provide me with any written communications mail to my home address XXXX XXXX  XXXX  XXXX Md XXXX in order to notify me of the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Over the course of 2 days I had 2 unauthorized transactions to my account, totally to approximately {$400.00}. It was a nightmare trying to get someone to help me because they somehow are not able to verify me over the phone so I had to fax my bank statement ( I am pretty sure they can see this ) and my ID. After that I had to wait a few hours to call back. Second time I called there was already the second fraudulent charge that they also could not explain. They explained that I had to wait until it posts to file a dispute and once I file the dispute it could take up to 10 days to go be me a resolution. They said they would freeze my bank card but would allow me access to my account so I can have access to my funds and transfer them out if needed. By the end of the day yesterday my account was frozen instead of just my card and now I am left without money for the entire weekend

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

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. XXXXn, 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 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 2025-09-27 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. XXXX accuracy and fairness of credit reporting. Also, in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/year>, I requested a refund from my credit card account after making an overpayment. I was told the process would take no more than 714 business days. 

Since then, I have called the bank over seven times trying to locate my refund check, and each time I have been told conflicting information or asked to complete unnecessary steps : XX/XX/XXXX : Request for refund submitted. Told to expect check within 14 business days. 
XX/XX/XXXX : At a branch appointment, I was told to update my mailing address in order to receive the check. 
XX/XX/XXXX : I was later told ( by phone ) that I instead needed to open a spending account to receive the funds. That same day, I opened a new account and was told nothing else was needed, and that I would receive the refund in 3 business days. 
XX/XX/XXXX : I returned to the bank after not receiving my refund. I was given a stop-payment affidavit but then told it was not needed, and to wait until Monday for the refund to appear. 
Later that same day, customer service told me my refund check had already been mailed last month. When I explained that this was not true, the representative changed her answer again, saying I needed to complete the affidavit after all and wait another 710 business days. 

At this point, it has been * * well over 30 days * * since my original refund request. The process that should take * * no more than 714 business days * * has turned into repeated misinformation, delays, and unnecessary requirements. 

It is clear that the bank does not have a consistent or reliable process for issuing my refund, and I have been unable to recover funds that belong 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 monetary relief
Consumer complaint received 2025-09-27 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On [ XX/XX/25 ], I attempted to purchase concert tickets. The seller impersonated XXXX and sent me a fraudulent transfer confirmation email from XXXX. Believing this was legitimate, I sent payment through XXXX from my Navy Federal account.

After sending the money, I discovered that the email was fake and no tickets were ever delivered to my official XXXX account. This was a fraudulent scheme and I was deceived into sending money under false pretenses.

Navy Federal has denied my claim by categorizing this as a voluntary person-to-person transaction. However, this is inaccurate the payment was made due to fraud and impersonation. This should be treated as an unauthorized transaction by deception, not a simple peer-to-peer payment.

I am requesting that Navy Federal investigate this as a fraud case, not a purchase dispute, and reimburse the funds lost due to this scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
XXXX Is closed yet left unresolved I reviewed your XX/XX/year> Apple Card statement alongside Goldman Sachs CFPB response . Heres the analysis : Findings : 1. Ongoing Interest Charges Your XX/XX/year> statement shows an interest charge of {$2.00}, bringing total XXXX  interest charges to {$10.00}. 
This is inconsistent with your Apple Card Monthly Installment ( ACMI ) agreement, which was supposed to be 0 % APR. 
2. Conflict with Banks Response to CFPB Goldman Sachs XX/XX/year> response claims the account was corrected, with a {$7.00} credit issued for prior unauthorized interest, and that your payments were applied correctly. 
Yet, your XX/XX/year> statement shows additional interest assessed after their resolution, proving the correction was incomplete or misleading. 
XXXX. Violation of Terms ACMI is explicitly marketed as 0 % Variable APR for qualifying Apple purchases. The presence of continuing interest charges indicates either : a ) Misapplication of payments to revolving balance instead of the installment, or b ) Improper reclassification of your installment loan after the XX/XX/year> dispute. 
This is a contract violation and potentially retaliatory billing, since the issue began after your XXXX CFPB complaint. 



Suggested CFPB Feedback Response : I disagree with the companys response. Although Goldman Sachs acknowledged the improper interest charge of {$7.00} and claimed resolution, my XX/XX/year> Apple Card statement still shows additional interest ( {$2.00} ) being charged on what should remain a 0 % APR installment plan. 

This proves the banks response was incomplete or inaccurate. Payments are still being misapplied, and I continue to be assessed interest despite the installment plan terms. This constitutes a violation of the original 0 % APR agreement and suggests an ongoing servicing error or retaliatory conduct following my prior complaint. 

I request that CFPB require Goldman Sachs to : 1. Cease all further interest charges on the installment plan.

2. Audit and correct the account to ensure all past payments are properly credited.

3. Refund all interest charged in XXXX  ( {$10.00} ) and provide assurance that no further interest will accrue on my 0 % installment. 

I am prepared to provide additional documentation, including bank records and Apple Cards own installment history, confirming my payments and the original 0 % APR terms. 



Next Step Options :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have asked these collection agencies for charge-off-statement and the wet signature from the original payment agreement and the ledger the amount the collection agencies paid for the charge-off. I want to confirm that this is not fraud. They refused to provide any information. Due to my employer, I must pay all collection bills that show up on my credit report. I have been making payments since XX/XX/year> and this they will not provide any of the information I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Violations by Experian Re-Aging of Charged-Off Accounts Example : XXXX XXXX XXXX XXXX account XXXX XXXX ) is reporting as a charge-off with a past-due balance of {$15000.00} and continues to be updated through XX/XX/XXXX, despite closure and last activity in XX/XX/XXXX XXXX. 

This constitutes unlawful re-aging beyond the XXXX FCRA reporting limit ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 

Inaccurate & Unverifiable Late Payments Example : XXXX XXXX XXXX account ( XXXX ) is reporting XXXX late payments through XXXX XXXX. 

These late notations are inaccurate, unverifiable, and conflicting, violating 15 U.S.C. 1681e ( b ) ( duty to report maximum accuracy ). 

As a servicemember, these violations also conflict with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which prohibit harmful credit reporting practices tied to military financial obligations. 

Failure to Conduct Reasonable Reinvestigation XXXX  is marking multiple accounts ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX as Account previously in dispute investigation complete, reported by data furnisher XXXX. 

This shows XXXX  relied on XXXX parrot verification, without conducting a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Unlawful Re-Insertion Without Notice XXXX  has reinserted negative information without the required XXXX-day notice to me under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Unfair & Deceptive Practices Re-aging, improper dispute handling, and false verification constitute unfair and deceptive acts under 15 U.S.C. 45 ( FTC Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WI

Complaint narrative:
I was a member of XXXX XXXX. My credit card expired and they i tried to update my card online and their website wasn't active. Later I was contacted by a different health club company that said they bought XXXX and I owed them {$66.00}. I paid them the {$66.00} dollars on XX/XX/2025 and cancelled my membership. Now I have been receiving Text messages from Aldous and associates XXXX agency that I owe them {$110.00}, which I don't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: ID

Complaint narrative:
My paycheck has been delayed by Chime financial when my payroll provider was able to confirm Chime receiving the funds which has caused my bills to be late. I asked Chime to provide proof that they havent received the funds and was told they cant see if it is processing still only if it was deposited and they arent the financial institution that processes the funds into my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was scam in Cash App back 2023 for trying to rent a house I lost over {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
I am filing this complaint against the credit reporting agencies and furnishers for the reporting of false, inaccurate, and unauthorized information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Upon reviewing my credit reports, I identified the following inaccurate items : Wrong/Unverified Addresses : XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX These addresses do not belong to me and must be immediately removed as they are incorrect identifiers. 

Inaccurate/Unverified Account Reporting : XXXX XXXX XXXX ( Acct : XXXX ) Reported with a high balance of {$250.00}, opened XX/XX/XXXX, showing a late payment. This is inaccurate, unverified, and damaging to my credit profile. 

Unauthorized/Improper Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my knowledge, consent, or permissible purpose under FCRA 604 . 

These inaccuracies are causing significant harm to my credit reputation, lowering my scores, and obstructing my ability to obtain fair credit. I have never authorized these false addresses, inquiries, or the late payment reporting. 

I am requesting that the CFPB : Investigate these violations immediately. 

Compel the credit reporting agencies and furnishers to delete the above inaccurate and unauthorized information. 

Ensure compliance with the FCRA and hold the furnishers accountable for reporting false data. 

I have attached supporting documents, including a copy of my identification and recent proof of address, to establish my true and correct 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
I have a cash app that went a week ago and it's onmy cash app account and can not access it for identity verification it wint take nty I'd photos of the verification of my ID and wont let me get my ash apps or access the old accounts of XXXX XXXXXXXX and of or the email XXXX, XXXX, XXXX or of the phone # XXXX or XXXX and or of the emailed XXXX I never got from lastweek and changed my accounts I could not access sthem my cellphone stolen is why and XXXX and or of XXXX, and or of today my mom sent me birthday money like XXXX I never got and don't have access to XXXX XXXX and or emails or passwords or accounts at all or XXXX  of these are the new ones and how do old checkold one or recover the old account to get the money or is it threre even?

Company response to consumer: Closed with explanation