vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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:
Issue : Incorrect Date of First Delinquency ( DOFD ) and Illegal Re-Aging of Account I am filing a complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting an incorrect Date of First Delinquency ( DOFD ) and an incorrect estimated removal date for my auto loan account. This error is causing the negative account to be reported years longer than the Fair Credit Reporting Act ( FCRA ) allows. 

Creditor : ( XXXX XXXX XXXX XXXX ) Account Number : ( XXXX ) According to the payment history reported on my credit file : XXXX XXXX XXXX days late XXXX XXXX XXXX days late The account was never brought current after XX/XX/XXXX The vehicle was later repossessed in XX/XX/XXXX I redeemed the vehicle but the account was still delinquent and never returned to current status This means my Date of First Delinquency is XXXX or XX/XX/XXXX. 

Under FCRA 605 ( c ), the XXXX reporting period must begin at the DOFD. This means the account should be removed from my credit report no later than early XXXX. 

However, all three credit bureaus are reporting an estimated removal date of XX/XX/XXXX, which illegally extends the reporting period by approximately XXXX additional years and violates FCRA rules on DOFD reporting. 

I have already disputed this with the credit bureaus and provided documentation, including screenshots of the payment history and direct copies from XXXX XXXX showing the XXXX XXXX delinquencies. The account was not brought current at any point after that, which means the DOFD can not legally be reset or re-aged.

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 2025-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-20 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Citibank closed my account without notice and is withholding my funds. 

Citibank closed my account without warning and refuses to release my money. At the time of closure, my account balance was {$980.00}, which I have a screenshot proving. Citibank incorrectly claims the account had {$0.00}. 

Additionally, on XX/XX/XXXX, an ACH payment to XXXX XXXX of $ XXXX to my account on the XXXX of XXXX but Citibank reversed it XX/XX/XXXX a week after it had posted without explanation. The creditor reports they did not request the reversal and now the funds can not be located. 
On XX/XX/XXXX, my employer sent a direct deposit for {$3000.00} to my Citibank account. Citibank states the account was restricted for additions and withdrawals, but they have not provided proof that the deposit was returned. My employer can not see a returned deposit on their end. 
Citibank refuses to give me any documentation, timeline, or explanation for where my funds went. They also stated it may take XXXX days before they release any information or funds.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> : I was XXXX outside my home. I work XXXX I got off work around XXXX, I stopped got gas unaware of a car following me once I pulled up at home got out car XXXX people jumped out a vehicle grabbed my purse I wouldn't let go so a guy hit me in the head with a XXXX I went unconscious I end up in hospital. Once released I order phone called all my accounts. It seems as if every time I file a dispute navy denies even with evidence. I just had a claim denied in XXXX after I sent over hospital paperwork showing doctor almost XXXX me due to medical XXXX navy still denied that claim. On this claim they have XX/XX/year> which I did not file this claim in XXXX. Furthermore I received letter stating error happened only for them to deny. I am in need of help I am 100 % a victim. I am an honest person who pays all bills on time and I've never spent this type of money on my cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
IQ DATA XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I booked a tour with the merchant on XX/XX/year>, based on the refund terms published on their website. Those terms clearly state that cancellations made at least 7 days before the tour date qualify for a refund minus the deposit. I paid the deposit at booking and paid the remaining balance on XX/XX/year>. The tour date was XX/XX/year>. 

I canceled the tour on XX/XX/XXXX, XXXX14 days before the tour datein full compliance with the only cancellation terms ever shown or disclosed to me. The merchant refused the refund and instead cited additional terms and conditions related to hotel bookings. These terms were never provided or disclosed at any point before or after payment, nor at the time of cancellation. I reviewed my entire email history, including junk/spam folders, and these terms were never sent. 

After I disputed the charges, the merchant submitted an invoice to American Express that included these additional cancellation restrictions. This document was never provided to me before I paid for the tour and was never part of the contract. It contradicts the published policy that I relied on when making the purchase. The merchants invoice appears to be an internal document created or modified after the fact, not a set of terms presented to consumers.

I submitted clear evidence to American Express, including ( 1 ) the merchants published refund policy, ( 2 ) my XX/XX/XXXX cancellation email, and ( 3 ) the complete correspondence showing that no additional terms were ever sent or disclosed. Despite this, American Express denied my dispute twice and relied solely on the merchants undisclosed invoice, while completely disregarding the documentation proving those terms were never provided. 

American Express has not conducted a reasonable investigation as required by the Fair Credit Billing Act and Regulation Z. They accepted a document the merchant never provided to me and ignored the published terms I relied on. I am requesting CFPB intervention to require American Express to properly reinvestigate both disputed charges and issue the refund I am entitled to under the legally binding refund policy the merchant advertised and I followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX - A check of {$1100.00} written from another TD bank account was cashed out against my personal checking account. 
XXXX I called Bank Customer Service. Customer Service Rep called branch and spoke with Manager named XXXX. They advised that error was made by the teller, she posted the check to the wrong account, and it would be corrected tonight. 
XXXX I still have {$1100.00} missing from my account. I called bank and spoke with XXXX and was advised that they are working on it and she would call back. Received a return call and was given same message of they are working on it. 
XXXX Called bank and spoke with XXXX who advised that they are still working on it. I called an hour later and asked for XXXX. XXXX advised that they are still working on it and there is nothing they can do, it's a process and can take 5 days to correct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went to deposit money at an capital one branch I put my money and card into the atm and it went completely black took my money and card I reported the incident to an representative Im at stake of losing my home because they refuse to provide me with provisional credit as if its my fault their lights went off they want me to wait until the fourth I have no where to go and thats and issue on their end so my money should be returned back to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Fair Credit Reportin Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon gfair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Today on XX/XX/year> Capital One employees closed both credit card accounts that I was the holder of in retaliation because I exercised my right to report them to the Consumer Financial Protection Bureau after charged me usury on the accounts. Capital One employees are engaging in securities fraud and data breaches involving personal information. They are not in compliance in with agencies who investigates financial assets and securities. All contracts issued by capital XXXX are counterfeit due to such documents created out of deception to deceive account holders and cut off the account holders accounts for reporting violations to the financial protection bureaus. Capital One engages in organized crime and are not reporting payments that it receives from customers to the Internal Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX I made a mortgage payment to from my bank to Select Portfolio Servicing , Inc . Which where my Social Security Funds are kept.Then on XX/XX/year> Select Portfolio Servicing took another payment out of the same account. Which left me with out food or gas money for about XXXX weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
Dear Sir/Madam, Subject : Dispute of Inaccurate Information on My Credit Report Account Number ( XXXX ) : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Issue : Positive account marked as secured, but it is an unsecured credit card. 
XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Self-reported account, requesting clarification on reporting status. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection account marked as open, but account has been paid. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account marked as open when it should be marked closed due to payment. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Collection status disputed; account needs verification for accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Open status after payment and should be removed from collection. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Account marked as " open '' but is related to medical debt with no updated payment status.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: PA

Complaint narrative:
I have been receiving threats of delinquency from Sallie Mae even though I am supposed to be in deferment. Sallie Mae confirmed my in school deferment in XXXX, but reversed it in XXXX without sending a notice and without reason as I was enrolled full-time through XX/XX/2025 and am enrolling in the next spring semester as well. I reached out to Sallie Mae via their secure chat on their website. They confirmed their mistake, promised to fix it, and have still inaccurately reported all loan accounts as delinquent, subsequently dropping my credit score over XXXX points. I also requested full loan servicing files related to all Sallie Mae accounts including but not limited to all loan agreements, all master promissory notes, all status changes, all communications including call logs, recorded calls and voice messages, texts, mail, emails and chat logs, all notes in every file/loan, all charges of interest, late payments and fees added to my loans etc .. All Sallie Mae provided was a few grace period letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capitol one is a fraudulent company that is delaying the application of payments to all of its inter al accounts. If you make a payment to a credit csrd or a checking account from a capitol one checking account to a capital one loan or credit card they delay the processing of the transfer for XXXX days and then there system will process the payment as completed while waiting to withdraw the money from your account. Then if other transactions come through they do not hold the mk ey that was transferred for payment. This is an intentional scheme by the company to generate increased late fees and returned payments. this company is in violation of the law. It would be great if someone did something about it. Corporations destroyed the fallacy of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CO

Complaint narrative:
This letter serves as my official objection to the accounts in question. They are not associated with me, nor did I consent to them. Please investigate and proceed with their removal. Documentation attached.

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 2025-11-20 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:
This letter is my formal challenge to the accounts noted. I have no affiliation with them and did not approve their creation. Please investigate and delete them. Proof is attached.

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 2025-11-20 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:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX XXXX XXXX XXXX Experian ( XXXX ), and XXXX XXXX XXXX XXXX Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX Account Number : [ Account Number ], Date : XX/XX/year> Inquiries : [ No inquiries listed for Experian ] Late Payments XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : 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