vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be inaccurate. As outlined in XXXX XXXX XXXX ( b ) and XXXX, all information in the report must be accurate, complete, and capable of being verified. I am requesting that these late payment records be reviewed, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My card was at the limit due an outstanding balance and interest. I was charged more than {$2000.00} in additional interest on one statement. I contacted Home Depot credit and was told that a promotion was added to my card and had ended. I asked when I was told anything about this and that I did not recall this promo or agreeing. I asked how would I have known about this and was told by the agent that the cashier would have recited the terms when offered. I informed the agent no one ever told me that I would be charged this additional interest if I did not pay the entire card balance as told to be my the phone agent. The agent stated the cashiers at the store are required to explain this to me. I asked how can you verify this happened if I didn't sign anything that says I agreed to this promo or the terms of the agreement. This has now put my card well over the limit and is hurting my credit tremendously. The agent stated it was nothing that could be done. I did not agree to this promo or the terms of this and no agent ever explained this to and does not prove I agreed by simply saying someone was supposed to tell me this. I do not recall this and nothing has been produced to show I ever agreed to this. I want this removed off my bill. This is a way to collect more money from consumers without consent.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update all public records you are reporting old information. Please update

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate and harmful reporting of several accounts on my credit file. Despite my prior dispute and complaint, these accounts continue to appear with incorrect and misleading information.Accounts in Question Charged Off Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Balance Owed : {$4500.00} XXXX XXXX XXXX XXXX  | Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$860.00} Collection Accounts : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX XXXX  | Balance Owed : {$3900.00} Nature of the Complaint These accounts are reporting inaccurate and/or incomplete information, in direct violation of : FCRA XXXX ( XXXXXXXX XXXX XXXX ) requiring fair and accurate credit reporting. 
FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) requiring consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( XXXX XXXX. XXXX ) requiring reinvestigation of disputed information within XXXX  days. 
FCRA XXXX ( XXXX XXXX. XXXX ) prohibiting furnishers from reporting inaccurate or misleading information. 
Some accounts reflect a {$0.00} balance but remain listed as charged-off, which is inconsistent and misleading. 
XXXX accounts remain on file with balances reported despite the lack of proper validation.I have already submitted disputes and supporting documentation, yet the credit reporting agencies and furnishers have failed to correct or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not linked to these accounts, and they must be corrected within 15 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
I've been waiting on a reply from us bank reliacard center about what's my options now I need help Idk what to do from here my money was stolen and they are not trying to help me get it back I need to know where do I go from here who do I contact next us bank is a scam they will not help you if your money is stolen from you stay away from this 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have 2 late payment credit cards open one for {$3500.00} & {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was in the process of buying a house. The escrow closing date was XX/XX/year>. 

I received fraud wiring instructions via emails supposedly from XXXX XXXX XXXX XXXX. 

I wired the money ( {>= $1,000,000} ) from XXXX XXXX XXXXXXXX to Citibank following the instructions, but XXXX XXXX XXXX never received the funds. We realized that it was a wire fraud case on XX/XX/year>. 

The fund was wired to a Citibank account under the same name XXXX XXXX XXXX XXXX XXXX. 

XXXX filed a wire recall claim and a wire scam claim on XX/XX/year>. 
We have not received a response from Citibank XXXX Department.

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo XXXX- {$8200.00} - says charged off but i never received XXXX and it still appears on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WLCC
State: NJ

Complaint narrative:
Hi I contacted them twice on XX/XX/XXXX and XX/XX/XXXX about the account they were debiting from that had fraud on it and I wanted them to use another account that I will open and I will call them back with the new account number and they said we cant cancel that payment you call us back with a new account number. So Im telling them to use another account number but they still chose to debit an account that has fraud and was negative when I told them Im going to use a new account and dont debit from that account. They never listen they didnt care they said dont worry if the payment get returned they have some type of forgiveness program. But why if the customer is calling way in advance you choose to still say we going to debit from old account that has fraud and negative? Once she said call back with new account next week to debit from I did on XX/XX/XXXX. I told her the new account number and then they told we need proof of direct deposit. My direct deposit was not set up yet for the new account but it will be going in Friday XX/XX/XXXX. They told me to email my paystub on Thursday morning by XXXX my proof of direct deposit so they can debit my account on XX/XX/XXXX. I told them on XX/XX/XXXX to debit my new account on XX/XX/XXXX because there may be a delay with my direct deposit because its a new account they said fine. As long as you email your paystub on XX/XX/XXXX my XXXX it should be good to go to debit your account on XX/XX/XXXX. On XX/XX/XXXX my old account was debited in the morning. This company did not do what I asked and did the opposite after countless long conversations about this matter. It is like they never listened to what I stressed and said to them they went ahead and still debited my old acct the acct that I stated had fraud on it just to get there money and I called them twice to fix it and to debit the new acct They totally ignored what I was saying and they didnt listen to my issue after I followed up with them and did what they asked when all i was trying to do is pay them with my new acct. They never waited until I sent my paystub on XX/XX/XXXX By XXXX they went ahead and debited my old acct on XX/XX/XXXX instead of my new acct on XX/XX/XXXX like they stated. They never listen to customers and they caused my old account to be more negative and ignored I was going to have a new account opened. They just cared about taking there funds from my old acct and not the new acct and not listen to the customer needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: GA

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 XXXX XXXX U S DEPT OF ED/XXXX/XXXX  - XXXX U S DEPT OF ED/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 XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling 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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: MS

Complaint narrative:
XX/XX/XXXX I purchase {$180.00} worth of XXXX like I always do, so I could transfer it to my Coinbase card and pay my rent. Got notice I couldnt withdraw due to a security hold. 

I then uploaded all requested documents. Bank screenshots, selfie and ID. I did this XXXX separate times! XXXX! No response. 

XX/XX/XXXX I get evicted from my apartment due to XXXX  not helping me with my funds XX/XX/XXXX I receive an email from XXXX stating my account is being closed. They said I am not able to get any more info on this and XXXX unable to withdraw my crypto. I must withdraw via bank account. I then proceed to try and hook all XXXX of my bank accounts and Gemini doesnt accept ANY OF THEM. Gemini support then proceeds to go ghost

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
I was using my chime app to make a down payment for a new scooter and put in the notes what the payment was for XXXX person to person money transfer but a purchase payment for a new scooter was told by the selling company that they had a chime account which I then found out a few hours I learned that they person who owns the company and the scooter was a XX/XX/chime account and that I actually had been scammed XX/XX/. I then notified chime and asked if they would stop payment to which I told chime didn't stop payment in progress that I would have to fill a claim to get my money back so then I was told that I claim could not be filled and chime didn't care about my situation and were willing to let the scammer get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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