vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>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 2025-10-14 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
In XXXX of this year I recognize while going through the home buying process that I had three late payments ( XXXX XXXX and XXXX of this year ) on my credit report from the XXXX XXXX XXXX XXXXXXXX. The XXXX XXXX XXXX XXXXXXXX provided me a letter which I can provide stating what my account balance is and also that there are no delinquent payments as well as me being current and on time. 

The credit bureaus adjusted and updated the reporting after filing a dispute with them. 

Now it is 2 months later I'm having the same issue again. XXXX and XXXX are showing late with the credit bureaus for the XXXX XXXX XXXX XXXX 

After speaking with the supervisors of each credit bureau they are implicitly stating that " the only way that they are able to report the payments late is if the creditor has reported a late payment. '' I also asked if it was possible for their system to have a glitch or make an error and report incorrectly. They advised no. 

I do not believe them because I am also experiencing the same exact issue now with also another creditor XXXX bank who has sent me a letter showing no delinquency paid in full so I may what dispute it with the credit bureaus. 

Credit bureau supervisors advised me to file a CFPB complaint against Fl dept of revenue and XXXX to stop them from reporting to the credit bureaus inaccurately. 

Having to fight for the credit bureaus to report your information properly it's not something that I would wish on anyone. 

Because I need the issue to have a final resolution versus me having to dispute over and over again every 2 to 3 months and never being able to purchase a home I am filing this CFPB complaint on each credit bureau Experian, Equifax, and TransUnion. I am also filing it on XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX 

Everyone is just blaming each other there is no accountability. Meanwhile my credit score is dropped XXXX points and even when the credit bureaus have adjusted the history of the late payment it still did not recover my score that I had prior to it being reported and accurately. 

This causes a perpetual cycle where I have to dispute and still be penalized after it's corrected on my credit reports.

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 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This case is related to the previously reported case ( XXXX XXXX. XXXX ). Due to the intimidation we felt, we reluctantly paid an incorrect bill, which amounts {$650.00}, to the collection agency, Fair Collections & Outsourcing ( FCO ). However, we made it explicitly clear that this payment was made solely to prevent any potential negative impact on our credit report or score. We also informed them of our intent to pursue legal action, and we are now in the final stages of preparing a lawsuit against both our former landlord and/or Fair Collections & Outsourcing ( FCO ) to seek justice in this matter.

Thank 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 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I am unaware of this debt and I never received an opportunity to dispute this information. If in fact you believe you gave me proper notification then please send me the certified receipt with my name and signature on it. I was never informed about this debt, but it appeared on my credit report and I did not have any knowledge about it. Before putting a debt on my account I have to be made aware of the debt and given a proper chance to dispute or resolve the matter. I was not given neither. 


ACCOUNT : BONNEVILLE COLLECTIONS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I reported two unauthorized charges to my bank both were from same merchant but different amounts. My bank approved one dispute yet has continuously denied the other, I have provided my paypal transaction statement along with other supporting documents that prove neither transaction was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing this complaint regarding Citibanks erroneous closure of my three Citi XXXX credit card accounts. 

My name is XXXX XXXX XXXX, and the affected accounts are : Citi XXXX Credit Card ending in XXXX Citi XXXX Credit Card ending in XXXX Citi XXXX Business Credit Card ending in XXXX On multiple occasions, I was asked by Citis customer service representatives to complete and submit Form 4605 for tax verification purposes. 
I submitted the form four separate times, following the exact instructions provided by Citi each time. After every submission, I confirmed with the representatives that the form was filled out correctly and received. 

However, on XX/XX/year>, when I called Citi to check my account status, I was shocked to learn that all three of my accounts had been closed without any prior written notice or warning. 

Citis customer service team informed me that if the form is incorrect, the system automatically closes the account, but this seems to be an oversimplified explanation of an administrative or procedural error. I had fully complied with every request and submitted documentation in good faith under Citis direct guidance. 

I was never informed that an incorrect form could permanently close my accounts, and I never refused to provide the requested information. I believe this closure resulted from a Citi internal processing error, not from any customer misconduct or risk behavior.

I have been a long-time Citi customer with an excellent payment record and have always complied with all account requirements. 

Requested Resolution : Reinstate all three accounts ( XXXX, XXXX, and XXXX ) with the same account numbers and original open dates ; or If reinstatement is not possible, ensure that all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX reflect the closure as Closed due to bank error or Closed per customer compliance, not as Closed by grantor.

Provide a written explanation confirming the actual reason for closure and whether reinstatement can be completed without a new hard credit inquiry. 

I respectfully request CFPBs assistance to have Citibank review this matter under fair procedures. 

Attached are copies of my previous communications and confirmation of the four Form 4605 submissions, as well as the letter I sent to Citis Executive Office.

Thank you very much for your help.

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 2025-10-14 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:
I noticed that several inaccurate accounts are still appearing on my credit reports, and they have not been taken off. This situation has been weighing on me heavily, so I am begging that the documents I attached be looked over with great care so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: ID

Complaint narrative:
In XXXX, I purchased an XXXX XXXX and used XXXX XXXX for the loan. I paid off the loan at the beginning of XXXX, but I never received the title. I now need the title urgently to trade in the car, but when I call XXXX XXXX, they say they are unable to provide it. They say they need to research the matter. XXXX They claim that they attempted to send the title to the state of Idaho, and the State of Idaho refused the title because it had the wrong # on it. This is XXXX XXXX 's problem, and in XXXX years, they should have solved it. 
I spoke with XXXX at Ext # XXXX, who was very nice but said she could not provide a solution and would need to do research. About what? They owe me the title and should deliver it immediately! 
I do not have a loan # or an account # because the loan was paid off more than 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and completeness of the following account appearing on my XXXX  credit report : Creditor : Capital One Account Number : XXXX Status : Charged Off {$430.00} past due / written off Date Opened : XX/XX/year> Reported Until : XX/XX/year> This account is being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2025 I deposited my first payroll check from XXXX XXXX XXXX drawn on a XXXX XXXX  account. I used mobile banking, which I do quite often, to make the deposit and got a receipt stating the balance of my funds would be available on XX/XX/2025. The total amount of the deposit was {$7.00}, XXXX. On XX/XX/2025 when I saw the funds were available, I paid my mortgage electronically. It wasn't until I tried to move additional funds a few days later from one account to the other that it became apparent there was an issue. I thought it was a glitch that I was receiving a message stating I had insufficient funds to make this transfer. This didn't make sense to me because my available balance was showing {$6600.00} and change. I called Wells Fargo and all I got after escalating several times was them telling me there was an issue with the issuing Bank and that it seemed there weren't sufficient funds to cash my check. Therefore, there was nothing they could do. 

I received no notification from Wells Fargo they had placed a hold on my check. There was nothing provided stating until XX/XX/2025 I'd have no access to any of the funds. I've looked in my email, trash, notifications and spam and the only email and notification I found related to this deposit were the XXXX stating all my funds would be available XX/XX/2025. There is now a case open with Wells Fargo regarding this issue, but no one will be contacting me until 48 hours or so from now.

This is unacceptable because I paid my mortgage based on the information they provided. If I had known the funds would not be available until XX/XX/2025, I would never have made that payment with those funds. If I had not been trying to transfer additional funds, I still would not know what was happening with my account. I did notice that after my call and escalating to speak with people at higher levels my balance did change and now I don't see the deposit at all. The only funds there are the ones I transferred today to cover my mortgage. This is completely unacceptable. 

I've been a customer of Wells Fargo for 20 years or more. They continue to treat their customers as if they don't matter. I will be closing all of my accounts with them shortly. I will not let this issue go because if it's happening to me, it's happening to so many others. Paying my bills on time and protecting my credit rating is extremely important to me. I do not want a black mark against me because of their incompetence and negligence in making me aware of pertinent 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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
WILLFUL RE-REPORTING OF PREVIOUSLY DELETED UNVERIFIED DEBTS XXXX - XX/XX/year> : I sent multiple written requests for debt validation under FDCPA ( 15 USC 1692g ) for two accounts totaling {$7900.00}. The debt collector failed to provide any validation documentation but continued reporting to credit bureaus.

Credit Bureau Disputes - Accounts DELETED : I disputed both accounts with all three credit bureaus. After investigation, BOTH accounts were DELETED from all three bureaus following " Round 2 '' and " Round 3 '' completed disputes. Credit bureau remarks stated : " Account previously in dispute, now resolved, reported by subscriber. '' These deletions indicate the debt collector could not substantiate the debts during bureau investigations. 

XX/XX/year> : I sent a final written validation demand. The debt collector again failed to respond with any verification - no documentation of original creditor, account statements, or proof of ownership. 

XX/XX/year> - WILLFUL VIOLATION : The debt collector RE-REPORTED BOTH previously deleted accounts to all three credit bureaus WITHOUT providing the validation I repeatedly requested and AFTER the accounts were deleted due to their failure to verify. 
VIOLATIONS : XXXX XXXX  - Failure to validate debt despite multiple written requests FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing false/unverified information to credit bureaus FCRA 1681s-2 ( a ) ( 1 ) ( B ) - WILLFUL misconduct by re-reporting accounts that were deleted after they failed verification The debt collector knew these accounts were deleted after investigation, yet deliberately re-reported them without obtaining verification. This demonstrates knowing and willful FCRA violations.

HARM : Significant credit damage from two derogatory collection accounts re-appearing on all three credit reports in XX/XX/year>, impacting credit scores and creditworthiness.

Company response to consumer: Closed with non-monetary relief