vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
On the night of XXXX XXXX, I was sending a XXXX payment of {$400.00} from my Charles Shwab check account to my friend XXXX XXXX, using his phone number XXXX. Unfortunately, I accidently typed XXXX for the phone number but had the name, XXXX XXXX on the transaction. I realized my mistake just as I clicked on the submit button. The XXXX payment showed as pending. I called Charles Shwab right away but was told thet could do nothing until the pending status of the transaction changed and the transaction posted. 
A few hours later I saw that the transaction had now posted and was not pending. It also showed that the amount had been paid to XXXX XXXX. I called Charles Shwab right away and lodged a dispute ( Schwab Dispute Case # XXXX ). I have also sent a text message to XXXX asking for my money back but got no reply. 

XXXX XXXX subsequently got back to me and said that I had a chance to confirm recipient information in a specific screen prior to finalization of the " send ' instruction. That was my protection. I disagree on the basis of the following points : XXXX ) The intended recipient was/is XXXX XXXX and XXXX never meant to be XXXX XXXX XXXX There is an information gap here. I had typed the name " XXXX XXXX '' in my XXXX instruction. The funds were not delivered to the intended recipient and should be returned. What is the point in typing the recipient name if the information is used as it should?

2 ) Charles Schwab had a chance to stop the transaction while it was pending, when I first called them. They did nothing and told me to call back when it was finalized. This is not fair. They complicated the situation by not fixing it when they could.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Block, Inc.
State: TX

Complaint narrative:
XXXX has been repeatedly withdrawing money from my bank account even though I have a {$0.00} outstanding balance and I do not owe them anything. I removed my payment method from Cash App and from XXXX, yet the unauthorized withdrawals continued. They have taken over {$240.00} from my account without my permission. 

Every time I contact XXXX support, they either redirect me, tell me to email a different department, or never respond at all. I have not received any explanation, resolution, or refund. I requested that they stop the charges and return my money, but they have not done so. 

These withdrawals are unauthorized and are causing financial hardship. I want XXXX to immediately stop all future withdrawals, refund the incorrect charges, and provide a written explanation for why they continued taking money after my balance was paid in full. 
Also I contacted customer service when this first happen I was told I would receive a refund of the amount of XXXX and yet have not received that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc
State: CT

Complaint narrative:
This is just unfair I have collection accounts that are on my report that are inaccurate and lies I be Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is very frustrating to see that inaccurate late payments are still listed on my credit report this morning, and I do not understand why nothing has changed. Even after refreshing, they were not removed. I need the documents I sent to be checked immediately so I can finally have peace of mind about this.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Target charged off this account in XXXX  and has yet to send me a 1099C I have not been able to claim this on my taxes but they were able to write out this on their taxes. They are strict violation, federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was reviewing my credit report and noticed an account that is not minee

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 2025-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX my wife XXXX XXXX, called carrington mortgage to ask about the process to sell of XXXX acres of our XXXX acre lot to sell to the neighbors for {$75000.00}. The employees said sure just call us back when you need the partial release and we can get that done for you. Now were under contract with our neighbors to sell them the XXXX acres. They paid for a survey and they paid a tree company to remove trees on their land so they could access the XXXX acres were supposed to be selling them. Fast forward to now and careington says they will not give a partial release anymore. Weve gone back and forth with them numerous times only by phone call because they WILL NOT put anything in writing. We speak with a different person every single time we call. We get the same automated response from the baseline employees. We try to escalate it and get the same thing from the next guy up. Theyve said the loan to value ratio needs to be right. Well weve even offered to pay some or all of the {$75000.00} down on the original loan and they still just say they will not do that. They cant give us a true reason on WHY? our current interest rate is 2.375 % and they want us to refinance to the next lowest interest rate of 5.375 %. Over the course of the new refinanced loan it would cost us around {$130000.00}. So theyre trying to force us to refinance so they can get rid of our low interest rate but they just wont say it. All we want is a partial release of XXXX acres off of our approximately XXXX. We even said wed get an appraisal. Again we cant get a clear answer as to why? Only that they dont do it. We didnt choose carrington mortgage. They bought our loan out from the company we picked to finance with. Weve done a partial release in XXXX  and sold XXXX acres to the same neighbors and were just required to pay around $ XXXX back into the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
XXXX XXXX  XX/XX/year> credit limit : {$1100.00} Im being charged {$1400.00} XXXX XXXX XXXX XXXXXX/XX/year> credit XXXX Im being charged {$590.00} They are both closed but yet still being reported every month.. 
And both inaccurate. 
The accounts listed above is reporting inaccurately and is negatively affecting my credit profile.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AL

Complaint narrative:
I am submitting this second request because Hyundai Capital America did not conduct a reasonable investigation as required under FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ). Their response contains multiple factual inaccuracies, incorrect dates, and statements that contradict the data reported to the credit bureaus. 

XXXX. Payment history reporting is factually impossible Hyundai reports my payment history beginning XX/XX/XXXX, but my vehicle was purchased on XX/XX/XXXX. 
My first payment would have been XXXX or XX/XX/XXXX, not XX/XX/XXXX. 

This means : 34 months of payment history are missing The reported delinquency sequence is mathematically impossible The Date of First Delinquency ( DOFD ) is inaccurate This is a violation of FCRA 607 ( b ) and Metro 2 accuracy standards.

2. Hyundai reported late payments AFTER repossession The vehicle was repossessed in XX/XX/XXXX, yet Hyundai continues to report XXXX late payments for XXXX, XXXX, and XX/XX/XXXX. 

It is not legally permissible to report monthly late payments after the vehicle has been repossessed, because : No monthly payments are due after repossession The loan is accelerated Account status changes to Repossession, not Late payment This is inaccurate and misleading reporting. 

XXXX. Hyundais claim that I paid the balance in full on XX/XX/XXXX is false I did not make any payment in XX/XX/XXXX, nor have I ever paid this account in full. 
This statement is materially incorrect and suggests either : A mixed file A false assumption Or an incomplete investigation No evidence or transaction record was provided to support this claim. 

XXXX. Missing XX/XX/XXXX reporting indicates broken or unreliable data The XXXX payment grid shows no reporting for XX/XX/XXXX, the month of repossession. 
This gap further proves : Inconsistent records Inability to verify delinquency dates Non-compliance with XXXX XXXX requirements XXXX. Hyundais XXXX was not reasonable XXXX simply repeated prior information without addressing : Missing history Incorrect delinquency sequence False paid in full claim Late payments reported after repossession Missing XX/XX/XXXX data This violates FCRA XXXX ( a ) ( XXXX ) : the duty to conduct a reasonable investigation when notified of a dispute. 

XXXX. Clarification About Identity I want to confirm that although I dropped the last letter of my first name in recent years, the account was always tied to my correct Social Security number, so confusion with another consumer should not be possible. 
If the furnisher believes there is identity confusion, they must state that clearly and provide their reasoning.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting a consolidated rebuttal covering XXXX Citi accounts : XXXX ( CFPB XXXX XXXX ) and XXXX ( CFPB XXXX XXXX ). Both accounts are reported with contradictory and inaccurate information. Citi reports charged off while still showing pastdue balances ; Experian altered tradelines during active disputes, removing written off language and changing balances. 
On XX/XX/year>, Citis response letter admitted no signed application is available for either account ( opened online ). This undermines validation and accuracy. While complaints were active, Citis portal shows a company response recorded on XX/XX/year> for related matters, yet on XX/XX/year>, XXXX XXXX XXXX XXXX sent a new demand letter for {$16000.00} on account XXXX. This contradicts Citis representations and creates conflicting balances : Citi Written Off {$16000.00} ; Experian {$4800.00} past due ; XXXX XXXX  XXXX {$16000.00} demand. The debt is unverifiable and being pursued during disputes. 
These contradictions violate : FCRA 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ) ; FDCPA 807 ( 2 ) ( A ), 809 ( b ) ; 12 C.F.R. 1022.43 ( e ) ; GLBA 6802 ( b ) ; IRS 6050P ; California Civil Code 1788.17 ; and constitute UDAAP ( 12 U.S.C. 5536 ). I am consolidating this filing to streamline enforcement. 
This complaint is a combined rebuttal covering both accounts ( XXXX & XXXX ). It crossreferences prior CFPB XXXX IDs XXXX and XXXX, and related XXXX Services matter ( XXXX ). Please note : CFPB XXXX is connected with XXXX. This filing includes new evidence ( XXXX XXXX XXXX XXXX demand dated XX/XX/year> ) and XXXX  data changes during investigation. Please add all attachments to the case file and consider consolidation.

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 2025-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant XXXX and distress.

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 2025-12-10 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: TN

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES ON MY CREDIT REPORT AND THIS IS DAMAGING MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TN

Complaint narrative:
I DID NOT AUTHORIZE THESE INQUIRIES ON MY CREDIT REPORT AND THIS IS DAMAGING MY 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 2025-12-10 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity was stolen and the hard inquiries wont be removed from my credit report my information has been illegally used for reporting

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 2025-12-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-10 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/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 2025-12-10 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: SC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/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