vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ALXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Date : 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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I reviewed XXXX consecutive monthly statements for my BECU Visa credit card and discovered a recurring pattern of inaccurate XXXX disclosures. Each monthly statement listed an XXXX ranging from XXXX XXXX to XXXX XXXX. However, I recalculated the actual APR for each billing cycle using the interest charged, the average daily balance, and the number of days in each cycle. In every case, the actual XXXX was significantly lower than the disclosed amount, with monthly variances ranging from XXXX % to XXXX %. 

For example, my XX/XX/XXXX statement disclosed a XXXX XXXX XXXX Based on the interest charge of {$23.00}, an average daily balance of {$2300.00}, and a XXXX billing cycle, the actual XXXX calculates XXXX only XXXX XXXX. This discrepancy of XXXX % exceeds the federal tolerance threshold of XXXX XXXX permitted under XXXX XXXX XXXX of the Truth in Lending Act ( TILA ). 

This is not an isolated incident but a consistent overstatement across 12 months, which suggests a systemic flaw in BECUs APR disclosure methodology. Although I may not have been overcharged in absolute dollar terms, the inaccurate disclosures constitute a material misrepresentation under 15 U.S.C. 1638 ( a ) ( 4 ) and a potential violation of Washington States consumer protection laws, including XXXX XXXX and XXXX XXXXXXXX. 

I recalculated the APRs disclosed on each monthly statement using the interest charged, average daily balance, and billing cycle length and consistently found material discrepancies. While these discrepancies clearly exceed the tolerance permitted under 12 CFR 1026.22, full evaluation of the root cause requires my review of the complete payment allocation records, interest accrual calculations, and balance tracking used in connection with my account. This is data I am entitled as the consumer. These records are necessary to determine whether the disclosure inaccuracies result from rounding practices, interest compounding methods, or other systemic misapplications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX  XXXX XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX and XXXX just trying to get some peace in my life. Midland Credit Management is trying to collect a debt from me that I dont even recognize. I followed the law and sent them a certified letter on XX/XX/year>2025, asking them to prove it ( thats called a debt validation letter under the FDCPA ). 
Its been more than 30 days, and they never responded. No letter, no proof, nothing. 
I also looked them up, and found out theyre not even licensed to collect debt in New York and I live in XXXX XXXX XXXX . Ive attached a screenshot from the XXXX website that shows theyre not allowed to be doing this here. 
Honestly, this is stressing me out. I dont think its right that a company can just come after someone like this with no proof and no right to collect in my state. Please make them stop. I want this removed from my credit and I just want to move on. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXXXXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXXXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-06-23 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: AL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Fraudulent Bank of America Checking Account Request for Deletion Details : I discovered that a checking account has been opened with Bank of America in my name, which I did not authorize or apply for. I suspect this account is the result of fraud or identity theft. I have no relationship with Bank of America and did not consent to the opening of any 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 explanation
Consumer complaint received 2025-06-23 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

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 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
In XX/XX/2025, I opened a XXXX XXXX account with Robinhood after seeing their in-app and email promotions offering a 3 % match on IRA contributions for Robinhood XXXX XXXXXXXX XXXX The promotion did not clearly state any restriction on account type. Following Robinhoods guided account opening process, I deposited the full {$7000.00} allowed by the IRS for 2025. 

At no point during the sign-up or funding process was I warned or presented with a clear choice that only self-directed IRAs are eligible for the match. No disclosures, pop-ups, or warnings indicated that managed IRAs would not qualify for the advertised promotion. As a result, I believed I was eligible for the 3 % match. 

After a week with no match posted to my account, I contacted Robinhood customer service and only then was informed of the eligibility restriction. By this time, my full annual IRA contribution limit had been exhausted, making it impossible to redo the contribution or take corrective action for this year.

I requested an explanation and reasonable compensation from Robinhood, but the company refused, stating only that the information is available in their Help Center ( which is not shown during the account setup or deposit flow ). Even Robinhoods supervisor acknowledged via email that this information does not automatically appear for new users in the app, but they will not provide any remedy.

As a result, I suffered financial harm due to Robinhoods failure to provide adequate and timely disclosure of critical product limitations during the onboarding process. I am seeking regulatory assistance in obtaining a fair resolution and ensuring Robinhood improves their consumer disclosures to prevent future harm.

Evidence including screenshots and support correspondence is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
CENTRAL PORTFOLIO CONT is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO CONT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 have identified a late payment listed on my credit file that does not align with my actual payment history. I consistently make timely payments and have documentation to support that the payment was not late. I request that this reporting be reviewed and that the incorrect late payment entry be deleted immediately.

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 2025-06-23 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2017, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IN

Complaint narrative:
Im writing to demand immediate action regarding an account that has been incorrectly included in my credit report. This account does not belong to me. It is very clearly a case of mixed credit file information, and somehow, someone elses account has been wrongly linked to my personal credit history. 

Let me be XXXX clear : This is not my account. I did not open it, I have no association with it, and it should never have been connected to my credit profile in the first place. The presence of this account on my report is inaccurate, misleading, and completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX2025 Citi Card withdrew a double payment from my bank account of {$20000.00}.

I have contacted Citi 4 times regarding this and have spoken to 4 supervisors. They acknowledge their mistake and keep telling me it will be resolved. Today XX/XX/XXXX I called again and they said it is in review which they have told me the last last 4 times. 
To date I have no resolution and am in overdraft at my bank.

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 2025-06-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My American Express account ending XXXX was agreed to be paid off and the negative information to be removed from my credit report. American Express failed to removed the information from the report and claims to have no knowledge of this agreement. In the past, American Express has been found liable of deceptive similar practices. Specifically, the CFPB ordered Amex to pay {$85.00} XXXX for misleading consumers about the impact of paying off old debt on their credit scores, and for falsely claiming to waive or forgive debt when it was not actually being forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
A year or so I called to verify funds on a debit visa gift card and the automated system said it was {$50.00}. The expiration date is XX/XX/year>. 
Since that time, I have tried to use the card over and over with no success. 
I called the number on the back again and it tells me it can't verify my card. When I log in to get more information it gives me a system error. 
There is no other way to contact the company or get to a person to resolve.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I am disputing a collection account reported by Caine & Weiner ( Account # XXXX, Original Creditor : XXXX  ). Over 30 days ago, I sent a formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). They are required by law to provide proof of the debt or cease reporting it to credit bureaus. To date, they have not provided any documentation, no contract, no itemized billing, no proof the debt belongs to me.

Despite this, they continue to report the account to the credit bureaus, which is a direct violation of FDCPA and my rights as a consumer. By law, unverified debts must be removed.

Additionally, Caine & Weiner is currently facing numerous lawsuits and consumer complaints alleging violations of the FDCPA, including failure to properly identify debts, false or misleading statements, and harassment. This pattern of noncompliance reinforces my concern and the need for this account to be fully removed from my credit report.

I am requesting that the CFPB investigate and ensure deletion of this unverifiable and improperly reported debt.

Company response to consumer: Closed with explanation