vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: CO

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/year> -Balance {$460.00}

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because First Citizens Bank has inaccurately reported my mortgage account to the credit bureaus for the month of XXXX. 

On my recent credit report, the bank marked my XX/XX/year> mortgage payment as incorrect/delinquent. This reporting is inaccurate and premature for the following reasons : The month of XXXX is still ongoing. As of todays date, XXXX is not yet over, and therefore it is not possible for the bank to accurately report the payment status for the full month. 

The account is paid and current. My XXXX mortgage payment has already been made, and my account with First Citizens Bank remains in good standing.

By reporting my mortgage as incorrect or delinquent before the close of the month, First Citizens Bank has provided misleading information that unfairly damages my credit history and score. 

I respectfully request that the CFPB require First Citizens Bank to : Immediately correct the inaccurate reporting for XXXX. 

Update all credit bureaus to reflect that my mortgage account is current and paid. 

Review its reporting procedures to ensure future accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I ask that this dispute be investigated promptly, and that corrective action be taken to ensure my credit history is reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
FCRA Dispute XXXX XXXX The XXXX XXXX account is reported as charged off with derogatory late payment history. No proof of contract or validation has ever been produced. This reporting is unverifiable and inaccurate. 
Violations FCRA 609 Right to disclosure has been denied FCRA 611 Reinvestigation was inadequate FCRA 623 Furnisher continues to report unverifiable information FCRA 605 Outdated derogatory information is still being reported This account must be deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of inaccurate and fraudulent information contained in my consumer file with Early Warning Systems. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TN

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX -Balance {$2400.00} Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: SC

Complaint narrative:
I was charged ATM withdrawals and fees on XX/XX/scrub> 2025 but today is XX/XX/scrub> 2025 and XXXX XXXX  will not let me dispute these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 2025-08-28 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 formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balanced {$880.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX Balanced XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 EQUIFAX/XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 formally disputing the accuracy and validity of the following items listed on my credit report. I assert that these items are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Balanced {$880.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX Balanced XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX  XX/XX/2024 XXXX XXXX  XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX  XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 EQUIFAX/XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2025-08-28 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute multiple inaccuracies and unauthorized activities appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to ensure all information reported about me is accurate, complete, and verifiable. 
The following addresses reported on my credit report are not associated with me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, the following accounts and inquiries appear on my report without my authorization or contain inaccurate information : Late Close Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} Unauthorized Inquiries Included in Dispute : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I am formally requesting a complete reinvestigation of all disputed items. If any information can not be verified, it must be removed promptly.

Additionally, under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), the above inquiries must have a permissible purpose to be reported. I dispute all inquiries that I did not authorize or initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AZ

Complaint narrative:
I am filing a complaint to formally dispute multiple inaccuracies and unauthorized activities appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to ensure all information reported about me is accurate, complete, and verifiable. 
The following addresses reported on my credit report are not associated with me and must be removed immediately : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX, the following accounts and inquiries appear on my report without my authorization or contain inaccurate information : Late Close Accounts : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$580.00} Unauthorized Inquiries Included in Dispute : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), I am formally requesting a complete reinvestigation of all disputed items. If any information can not be verified, it must be removed promptly.

Additionally, under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), the above inquiries must have a permissible purpose to be reported. I dispute all inquiries that I did not authorize or initiate.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX th I sent a very formal dispute letter to Experian requesting proper  investigations and providing proof and exact method of verification pursuant to FCRA and 15 USC 1681 b and I 7. On XX/XX/XXXX after I did not hear from the Bureau within 30 days I sent another certified letter asking for te status and exact method of verificaiton agian. However today without providing ANY verifiable method they simply updated my report saying the " Information remain unchanged and remain on my report ''! This is a clear violation of federal law ( FCRA ) and I want them investigated properly please and brought to justice.

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 2025-08-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have tried multiple times to reach customer service agent and have been unsuccessful. I have been able to access the automated system bit it only provides some information. I have tried several times, last time being XX/XX/scrub>/25, and keep getting an erroressage when trying to create an online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting the removal or correction of a charged-off auto loan account with Regional XXXX XXXX XXXX Account XXXX XXXXXXXX, opened XX/XX/year> ), currently showing a balance of {$1000.00} on my credit reports. 

The vehicle associated with this account was repossessed, but to date, Regional XXXX has failed to update the account with any information regarding the sale of the vehicle, including the sale date, sale amount, or how those funds were applied to the balance. 

I have repeatedly contacted Regional XXXX to obtain this information and to resolve the balance, but I am consistently given the runaround or redirected without any resolution. To this day, I have not been provided with : Documentation showing the sale of the repossessed vehicle An updated or accurate loan payoff balance A method or option to make a payment This charge-off is continuing to harm my credit profile. However, without proper documentation and communication from Regional XXXX, I can not verify or resolve the balance. Under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to an accurate and fully substantiated credit report, which includes timely updates after repossession and sale. 

Since Regional XXXX has failed to comply with these basic requirements and has not assisted me in resolving this matter, I am requesting that the CFPB investigate this account. I am formally requesting : XXXX. A full accounting and documentation of the vehicle sale and balance application XXXX. Or, complete removal of this charge-off account from all XXXX  credit reporting agencies due to lack of substantiation and cooperation. 



I have made several good-faith attempts to resolve this directly with Regional XXXX, but their failure to provide adequate information has left me no choice but to seek regulatory assistance.

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 2025-08-28 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: NV

Complaint narrative:
Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NV XXXX Phone : XXXX Email : XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Company Complained About : Experian Information Solutions , Inc . 

Problem Description I am filing this complaint regarding unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not initiated by me, and I did not authorize the listed creditors to access my credit file. 

According to the Fair Credit Reporting Act ( FCRA ) : 604 ( a ) ( 15 U.S.C. 1681b ) : A consumer reporting agency may only furnish a credit report if there is a permissible purpose, such as with the consumers authorization.

611 ( 15 U.S.C. 1681i ) : Consumers have the right to dispute inaccurate or unauthorized information and request an investigation.

616617 ( 15 U.S.C. 1681n, 1681o ) : Failure to comply with these obligations may result in civil liability.

Despite not providing authorization, the following hard inquiries have been placed on my Experian credit file : Disputed Inquiries : 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 Steps Already Taken : I have submitted a written dispute to Experian ( dated XX/XX/XXXX ), including government-issued ID and proof of address, requesting removal of the unauthorized inquiries. 

I have requested Experian provide documentation proving my consent for each inquiry or remove them within 30 days.

Impact of the Problem : These inquiries negatively affect my credit score.

They create the false impression that I have applied for multiple credit accounts.

This can harm my ability to secure legitimate credit, loans, or favorable terms.

Desired Resolution : Removal of all unauthorized hard inquiries from my Experian credit report.

Written confirmation from Experian detailing the outcome of the investigation.

Assurance that Experian will comply with FCRA standards and prevent unauthorized access to my credit file in the future.

Notification to all relevant third parties that previously received my credit report of the corrected 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 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I am a lawful XXXXXXXX XXXX with a valid Social Security Number ( SSN ) and tax identity registered with the Internal Revenue Service ( IRS ). I legally opened an investment account with Robinhood and fully complied with all U.S. laws and regulatory requirements.


Despite this, Robinhood arbitrarily and maliciously closed my account without providing any valid justification. In addition, Robinhood imposed restrictions on my stock transactions and forcefully liquidated my holdings, which directly caused me to lose approximately {$1500.00} in profits. Robinhood has als
o failed to return my funds within the promised 15 business days, which is unacceptable and a violation of both customer rights and fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of XXXX  and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me XXXX. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-28 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: OR

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-28 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: World Acceptance Corporation
State: GA

Complaint narrative:
Formal FCRA Dispute World Finance Corporation I am disputing the reporting of the World Finance Corporation account. This account is closed but continues to show multiple late payments and derogatory history. The account status is misleading and inaccurate. 
Violations FCRA 602 Accuracy requirement has been violated FCRA 605 Adverse information on a closed account is not allowed to continue reporting FCRA 611 No proper reinvestigation despite prior disputes FCRA 623 Furnisher has failed to correct and continues reporting false data This account must be removed completely from all credit reports. Continued failure will result in civil action.

Company response to consumer: Closed with explanation