vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MN

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: GA

Complaint narrative:
They told me to send in proof I did exactly what they told me I think that it's to much money to pay back so why would the XXXX liability protection policy come in play that they have so I ain't reliable for unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
My zelle stopped working. Zelle claimed they would fix it but it still doesn't work. XXXX says it's a zelle problem. I'd like them to remove the restrictions from my account as they said they would ( twice ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year> I disputed a charge for furniture that was not delivered. I made the purchase on XXXX XXXX from XXXX XXXX of XXXX. They had a finance agreement with XXXX XXXX that the manager suggested we use to get XXXX financing for 6 months I subsequently sent numerous disputes because they kept closing the investigation without my knowledge. I called to try and resolve the issue and each time I was told try adding this or that and each time I complied. I sent them proof that the company I made the furniture was found guilty of fraudulent business practices and lost their license I will never get my furniture. In addition to not resolving my dispute by reversing the charges XXXX XXXX XXXX XXXX XXXX is reporting me as delinquent to the credit bureaus and my excellent credit score is plummeting.

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 2025-12-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and have no connection to. I request that these accounts be deleted.

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 2025-12-22 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: MO

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-22 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:
The information displayed seems off and incomplete. Im asking for a fresh review and the appropriate fixes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I made my first payment I believe in XXXX XXXX XXXX  on this federal student loan. I was advised by the person ( NelNet ) on the phone that I was late on payments by a few months. I was unaware that I was supposed to start paying on my loan. I also told the call taker that I recalled receiving phone calls about a student loan debt but because of constant spam calls I had been receiving, I had believed previous calls were spam calls. The then provided my credit card info to the call taker. I reasonably believed this established automatic monthly payments. I was not aware that additional enrollment steps were required to set up auto payments. As a result of this payment understanding, payments were unintentionally missed. 

I was contacted by NelNet again in XX/XX/year> and was advised that I was months late on several payments. That is when I discovered that my payments were not on auto-pay ( like the rest of my bills ). explained this situation to NelNet but was advised that no changes could be made. 

It is to be noted that when I bought my current house, my credit report was in excellent standing with XXXX negative reporting and a credit score of XXXX. I had XXXX issues in qualifying for a mortgage loan and with affordable interest rates prior to now. 

I attempted to have this issue resolved directly with Nelnet but was advised that I would need to speak with XXXX. When I contact they, advised I would need to resolved this through NelNet. As you can see, this issue was not resolved due to conflicting information. 

The resulting delinquency reporting does not reflect my intent to pay or the circumstances surrounding the missed payments. I believe the reporting is inaccurate given the lack of clear disclosure that auto pay was not established by making the initial online payment. 

This inaccurate reporting is now materially impacting my ability to obtain a mortgage. I am requesting a review of a reporting for accuracy and correction as a appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I have no involvement with these accounts and request their removal within 15 days as mandated by the FCRA.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I am an SSI recipient. The Social Security Administration confirms that multiple SSI payments were issued to me via direct deposit.

Each disputed payment appears in my SSA online portal under Payment History, showing : Payment date Exact amount Payment method : Direct Deposit Destination account : PayPal ( correct account on file at the time of deposit ) I accessed each payment individually by expanding the transaction details in the SSA portal and provided screenshots of each confirmed payment. These screenshots represent the only customer-accessible confirmation SSA provides .

The Social Security Administration does not issue deposit receipt numbers, deposit slips, or bank-style confirmation numbers for SSI direct deposits. No additional documentation exists beyond the SSA payment history records already provided.

SSA has confirmed that the funds were released and transmitted electronically. The payments were directed to PayPal and were not returned to SSA. The funds are therefore no longer in SSAs possession.

Despite SSA confirmation, the deposits do not appear in my PayPal account balance or ledger. This indicates a backend ACH posting or routing issue requiring resolution between PayPal, its receiving bank, and the Treasury payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
Robinhood Financial LLC restricted and delayed my ability to exercise poststock split adjusted option contracts. Robinhood support confirmed the adjusted contracts were in the money, but the Robinhood platform does not allow customers to exercise adjusted contracts directly and requires manual processing by support. I submitted a clear exercise request and asked that Robinhood execute the exercise and sell enough resulting shares to cover the exercise cost ( a standard exercise and sell-to-cover outcome ), leaving the remaining shares in my account. Robinhood repeatedly stated they were waiting on my team and could not provide a firm timeline or confirm whether execution would be locked at a specific price while they processed the request. Because Robinhood blocks self-service exercise for adjusted contracts, I was unable to act independently and was exposed to time-sensitive market risk solely due to Robinhoods internal servicing process. This is an account servicing/access failure involving a digital financial platform and should be reviewed as an unfair barrier to exercising in-the-money options after a corporate action. Case number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Hi, This complaint is regarding to my XXXX XXXX Account, I am trying to transfer my XXXX to an outside account, although i do see the XXXX balance of XXXX on my profile but when i try to transfer I don't see my XXXX balance. I have emailed to XXXX  support team numerous times but still no result. This is really frustrating. They are holding nearly {$15000.00} dollars and not letting me withdraw my money. This is my existing Support Ticket number XXXX that I filed with their support team. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Please remove the late payment from my account and update the record to show correct, positive payment history.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I dispute the companys response as legally insufficient and non-responsive to the violations raised.

AAFES did not address the core issue : failure to deliver periodic billing statements as required by the Truth in Lending Act ( Regulation Z, 12 CFR 1026.5 ). Repeating that the account was updated to online statements in 2016 does not establish consumer consent, actual delivery, or compliance with TILA.

AAFES provided no evidence that : I consented to electronic-only billing I accessed or received any online statements Periodic statements were effectively delivered after paper statements ceased Posting statements to an online portal that the consumer never accessed does not constitute delivery, particularly where the creditor has reason to know statements are not being received.

The company also failed to address why it continued to report monthly late payments for over two years despite XXXX account activity, XXXX payments, and no confirmation of billing delivery. A delinquency can not exist where the consumer was never effectively billed.

Reliance on internal terms and conditions does not override federal obligations under TILA or the Fair Credit Reporting Act. By reporting the account as past due under these circumstances, AAFES furnished inaccurate and misleading information in violation of the FCRA.

I request CFPB escalation and corrective action, including deletion of all late payment reporting resulting from this billing 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
While I was XXXX XXXX on XXXX XXXX, multiple financial accounts were opened without my knowledge or authorization. These accounts include credit and/or financial services established during my XXXX period, without my consent, signature, or participation. Remove negative reporting to early warning. I only bank with XXXX XXXX, I did not opened any account with citibank. 

I did not apply for, authorize, or benefit from these accounts. I became aware of the activity only after returning and reviewing my credit reports. Some of the unauthorized accounts show balances, charges, and/or delinquent activity that I did not incur.

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 2025-12-22 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am disputing accounts on my credit report that I did not open and have no connection to. I request that these accounts be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Supplemental Complaint Regarding Retaliatory Account Closure and Demand for Fair Dispute Resolution Reference Case XXXX : XXXX ( Primary for Re-opening ) & XXXX Description : I am submitting this supplemental statement regarding Bank of Americas ( BoA ) bad-faith handling of my accounts. I have maintained this account in good standing during the past period, even after a past bankruptcy. At the time BoA closed my account, it held a balance of over {$5000.00}, and there were no issues other than my pending CFPB filings and transaction disputes. 
Immediately after I exercised my legal right to file a CFPB complaint regarding unresolved " Services Not Rendered '' disputes, BoA abruptly closed my account without prior notice. Closing an account with a {$5000.00} balance specifically after a consumer seeks regulatory help is a clear act of retaliation meant to silence me and obstruct the dispute process. 
I am currently going through an incredibly difficult time personally, struggling to resolve disputes for services I never received. Instead of protecting its customer, BoA dealt me a devastating blow by freezing my funds and closing my account at my most vulnerable moment. I am in constant fear that BoA will report this closure to XXXX with a negative code like " Account Abuse, '' which would unfairly stain my record and ruin my financial future. 
If the bank is unable to reopen my account, it has a strict legal and moral obligation to ensure that this closuretriggered by my regulatory filingdoes not negatively impact my reputation. 
I demand the following immediately : 1. Re-opening and Manual Review ( XXXX # XXXX ) : Re-open the disputes regarding services not rendered and conduct a manual review by a specialist. Stop relying on automated denials. 
2. Account Status & Credit Protection : Provide an ironclad guarantee that this closure will be reported to XXXX only as " Closed in Good Standing '' or " Closed by Consumer. '' Any negative reporting will be met with legal action under the FCRA. 
3. Written Communication Only : For accurate record-keeping, I request that all responses and decisions be provided in writing via email or mail only. Do not contact me by phone.

4. Formal Explanation : Provide a written explanation justifying why an account with a $ XXXX balance was closed specifically following my CFPB filings.

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