vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I am in no way associated with these accounts, which must be cleared within XXXX  days under USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against MACYS/CBNA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.MACYS/CBNA 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 2025-09-26 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:
I am writing to formally dispute a collection account that has recently appeared on my credit report from the agency, XXXX XXXX XXXX XXXX, regarding an alleged debt of {$510.00} claimed to be owed to XXXX. 
I want to make it clear that I have never opened an account with XXXX  and have no knowledge or records of any outstanding balance owed to them. This collection account is therefore being reported in error, or is a case of mistaken identity or potential fraud. 

Also addresses appeared on my credit report that I never lived at, XXXX XXXX XXXX And some XXXX address. 
Neither one have I ever lived at. Not sure if the account is associated with either address but if it is, I never lived at either one. 

In light of the XXXX  TransUnion data breach, where millions of consumers personal informationincluding Social Security numbers, addresses, and account historywere potentially exposed, I have serious reason to believe that this alleged account may be the result of identity theft or misuse of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
I am disputing the reporting of accounts on my credit file that are both inaccurate and unauthorized. I did not open or approve these accounts, nor was I notified of their addition. On top of that, the information being reported is inconsistent across the three major bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring credit agencies to ensure maximum possible accuracy.

This also breaches 15 U.S.C. 1681i, which requires that disputed information be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which guarantees my right to accurate and complete disclosures of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NV

Complaint narrative:
My Experian credit report is showing inconsistent and inaccurate reporting on my XXXX student loan account. The account is marked as 90 days late in XX/XX/year>, but both XX/XX/year> and XX/XX/year> show as current/OK. Leading up to XX/XX/year>, the account was reported current, which makes it impossible for XXXX to suddenly reflect a XXXX delinquency. This is contradictory and factually inaccurate. 

This violates the Fair Credit Reporting Acts requirement that information be reported accurately and consistently. I am requesting that the inaccurate 90-day late mark be removed from my Experian 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NV

Complaint narrative:
My XXXX  credit report is showing inconsistent and inaccurate reporting on my MOHELA student loan account. The account is marked as 90 days late in XX/XX/2025, but both XX/XX/2025 and XX/XX/ 2025 show as current/OK. Leading up to XX/XX/ 2025, the account was reported current, which makes it impossible for XXXX to suddenly reflect a 90-day delinquency. This is contradictory and factually inaccurate. 

This violates the Fair Credit Reporting Acts requirement that information be reported accurately and consistently. I am requesting that the inaccurate 90-day late mark be removed from my XXXX  credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'Unfortunately, my family and I have to relocate outside of the United States. As part of preparing for this move, I contacted Wells Fargo to close my credit card account, since I would no longer be able to make payments once abroad. During that call, I was informed that any unused rewards balance on my account would be forfeited after closure. I asked specifically whether I would still retain access to the rewards I had already redeemed, such as gift cards. I was assured that as long as I had redeemed the pointswhether for a gift card or other reward optionI would be fine.\n\nUnfortunately, that has not been the case.\n\nI have documentation of the redemption transaction, my former account information, and records showing that I redeemed rewards for XXXX XXXX XXXX valued at XXXX Despite this, I have been unable to access them.\n\nRelocating and starting a new life abroad is already a difficult process. Losing XXXX in rewards I rightfully earned only adds unnecessary stress.\n\nI contacted Wells Fargo Rewards for assistance and received inconsistent answers from different representatives. Although I never asked to escalate my case, I was repeatedly told not to bother requesting a supervisor, as I would be told the same thingthat my money is lost.\n\nThis is deeply frustrating. Wells Fargo received payment from me for these gift cards, yet I am left without the product I redeemed. After nearly two decades as a cardholderalways paying on time and never overspendingit feels as though the bank has chosen to profit from my loss rather than honor my redemption.\n\nBanks are obligated to retain account and transaction records for specific periods due to legal and regulatory requirements. This retention ensures compliance, creates a historical trail for audits or investigations, and supports consumers who may need to retrieve past financial information. Given these obligations, Wells Fargo should be able to verify my rewards redemption and the issuance of the XXXX XXXX XXXX.\n\nAccount Information (for verification purposes):\n\nLast 4 digits of most recent card: XXXX\n\nFirst 12 digits from a XXXX credit report: XXXX XXXX XXXX XXXX (destroyed card, full number no longer available)\n\nI destroyed my physical card as instructed, but I am providing the above details to assist with verification.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 have always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary XXXX, and I kindly request that you correct it promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CENTENNIAL LENDING, LLC
State: PA

Complaint narrative:
I leased a car and Centennial Lending is the 3rd party payment processor for the XXXX XXXX XXXX. The lease expired on XX/XX/year>. Centennial allowed me some time to figure out if I was going to trade in the car, turn it in, or buy it. I offered to keep paying my monthly payments several times, but Centennial told me thats not possible. I told them I dont want any negative remarks on my credit. Now they are reporting to the credit bureaus that I am late making payments despite refusing to allow me to make payments. I have pre-approval for an auto loan to buy the car, but Centennial is refusing to cooperate with the information needed by the auto loan bank so I can buy the car. Instead Centennial is telling me they are going to repossess the car when I have informed them I have the money to buy it out if only Centennial would assist with giving needed information to my new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 have no claim to these accounts and expect them to be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: DC

Complaint narrative:
I made a transaction in the amount of {$1000.00} through XXXX on XXXX XXXX wave sent an email to me saying the transaction was successful but recipient never received the funds.Reached out to Send wave via email, phone and chat on XX/XX/XXXX and sent the recipient bank statement showing that money was never received. Sendwave stated that theyll be in contact with their partner in XXXX to investigate why recipients account wasnt credited. Followed up with Sendwave on XX/XX/XXXX regarding this transaction and the first agent stated that case has been escalated and recipients account would be credited by the close of business on XX/XX/XXXX, but this never happened. Tried to contact Sendwave on XX/XX/XXXX and discovered that the company had blocked my phone number associated with account, but was able to reach them using another phone number. When I finally got through sendwave hung up on me several times as soon as I provided my account information. I was eventually able to speak to an agent at XXXX on XX/XX/XXXX who stated that theres an issue with the XXXX banking partner and recipient would receive the funds on XX/XX/XXXX, but funds havent been received at the time of filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint because multiple negative accounts on my credit reports are being reported inaccurately, incompletely, or without proper validation, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I have already disputed these items with the credit bureaus ( XXXX, XXXX, XXXX  ) and contacted the collectors directly. Despite sending certified mail disputes, the information remains, and proper documentation has not been provided. 

Accounts in question include : Dept. of Education / Aidvantage ( * XXXX and * XXXX ) reporting as XXXX days past due even after consolidation, which is inaccurate My Hardship Background : Since XXXX, I have worked in the nonprofit sector serving children, XXXX XXXX, immigrants, and now as a foster parent. After earning my XXXX XXXX in XXXX, I was diagnosed with XXXX, which caused a period of serious health and financial hardship. The XXXX pandemic worsened my health and financial condition, and I also lost my father to XXXX complications. In the midst of these hardships, my long-time partner of XXXX years died by suicide due to financial strain, leaving me in XXXX while managing debt and foster parenting responsibilities. 

Despite these extraordinary circumstances, I have taken steps to regain stability : consolidating my student loans, committing to repayment, and beginning the process of rebuilding my credit. 

Violations : Accounts are being reported as delinquent post-consolidation ( inaccurate under FCRA 607 ( b ) ). 
Debt collectors have failed to provide proper validation ( FDCPA 809 ).

Continued reporting of unverifiable debt constitutes willful noncompliance ( FCRA 616, 617 ). 

I have attached copies of my dispute letters, certified mail receipts, credit report excerpts, and hardship documentation. I am asking the CFPB to assist in holding these agencies accountable and ensuring my credit report reflects accurate, fair, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I received a voicemail on XX/XX/year> from structured settlement from a XXXX XXXX advising there is a matter in his office that needs to be resolved today. Made the phone call back to him, was very rude and short. Didnt care what i told him about how i lost family members and had to pay for funeral arrangements and care prior to them passing. He said that i needed to make a payment i have {$50.00} in my account and that wouldnt work and that he would then threatened to Sue me and have there attorneys contact me. That i wrote bad checks which i didnt write a check and thats a very bad thing. Ive been having to go and figure out a huge payment to show due diligence prior to getting papers from an attorney. Havent been able to reach the goal of {$1500.00} of what XXXX wants. While on the call there was no help to work with me i asked and he said weve tried and it hasnt happened in the past and only option is to make a payment in a lump sum. Felt like its one way or Sue which isnt right in this day and age when people can barely afford anything. Wanted help couldnt get him to get help only large sums. Also each time this company tried to take a payment it reported as fraud to my bank and my account would be locked. Wanted to work with XXXX XXXX but he didnt give me anything basically his way or no way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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 always prioritized meeting payment deadlines, so it's concerning to find an error indicating a late payment on my account. This mistake is causing unnecessary XXXX, and I kindly request that you correct it promptly by updating my records accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Its heartbreaking to see that the inaccurate accounts remain on my credit reports even after all my efforts. I truly need you to go through the attached documents thoroughly so that this can finally be corrected once and for all, and I can stop living with this ongoing XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  OF Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$80.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud

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