vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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 am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$790.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$740.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MS

Complaint narrative:
XXXX XXXX has submitted a request to remove its tradeline for the above account from my credit reports. 

Please provide : 1. Written confirmation that deletion requests were transmitted toXX/XX/XXXXand TransUnion, including the date each bureau was notified and the furnisher controlXX/XX/XXXX dispute ID ( s ) or e-OSCAR reference numbers, if available.

2. A copy of any Universal Data Form ( UDF ) or other bureau transmission confirming the request.

3. If any bureau declines to remove the tradeline, please provide XXXX XXXX follow-up actions and contact details for the bureau representative XXXX 

This request is made pursuant to your obligations as a furnisher under the FCRA, 15 U.S.C. 1681s-2 ( b ), to correct and update information you furnish. Please respond within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: MS

Complaint narrative:
XXXX XXXX has submitted a request to remove its tradeline for the above account from my credit reports. 

Please provide : 1. Written confirmation that deletion requests were transmitted toXX/XX/XXXXand TransUnion, including the date each bureau was notified and the furnisher controlXX/XX/XXXX dispute ID ( s ) or e-OSCAR reference numbers, if available.

2. A copy of any Universal Data Form ( UDF ) or other bureau transmission confirming the request.

3. If any bureau declines to remove the tradeline, please provide XXXX XXXX follow-up actions and contact details for the bureau representative XXXX 

This request is made pursuant to your obligations as a furnisher under the FCRA, 15 U.S.C. 1681s-2 ( b ), to correct and update information you furnish. Please respond within 15 days. 

Sincerely, XXXX 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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
I am filing a complaint against Wise due to unauthorized access to my account, fraudulent transfers, failure of security protections, and account closure. 

Timeline of Events XXXX XX/XX/year> : I received multiple Wise emails about suspicious login attempts. Shortly afterward, my account email and password were changed without my consent, and I lost access to my account. Despite having 2-step verification enabled, I did not receive any XXXX  on my registered phone number. 

XXXX XX/XX/year> : The hacker first attempted to use my Wise card by linking it to XXXX. Your system froze the card. He then converted my account balance from USD XXXX into EUR and made unauthorized transfers. 

Unauthorized Transfers to 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 Total unauthorized loss : approx. {$2100.00} USD. 

Several further transactions were attempted but blocked by Wise : # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 

The hacker also reconverted part of the funds : XXXX XXXX XXXX XXXX XXXX  XXXX USD # XXXX. 

Wises Handling of the Case I immediately contacted Wise support. I was assured my account access and funds would be restored. 

Later, my account was reactivated after email verification. However, I then received an email from Wise stating : After examining the technical evidence weve determined were unable to validate your claim of unauthorized access and transfers. The investigation has not detected any irregularities or any signs of security breach in your Wise account. 

Shortly after, I received another email saying my account would be closed on XXXX XX/XX/year> for policy reasons. 

Contradictions & Security Failures Wises own system flagged suspicious login attempts, froze my card, and blocked transactions this directly confirms unauthorized access. 

Despite 2-step XXXX  being enabled, my email was changed, password reset, and large transfers completed without any XXXX  delivered to my phone. This is a clear security failure. 

Wise claims no irregularities, yet their automated system identified irregular activity, canceled transactions, and sent me suspicious login alerts. These emails are themselves proof of unauthorized access. 

Instead of supporting me as a victim of fraud, Wise is closing my account and denying responsibility. 

Requested Resolution I respectfully request that Wise : Refund the unauthorized transfers totaling approximately {$2100.00} USD. 

Provide a full explanation of how XXXX and email protections were bypassed. 

Reconsider the decision to deactivate my account. 

Wise, as a regulated financial services company, is responsible for protecting customer funds and ensuring system security. In this case, a clear system failure caused direct financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
let me first strart by saying, the actual problem has already been solved. I'm contacting you today because M & T bank, the XXXX XXXX XXXX  branch, messed with my mothers account, and her debit card without any knowledge to my mother. See my mother is XXXX, and I am left to do all of her erranads. I went in on the first to get her rent check, and they gave me nothing but problems. Later on that day, i tried to make a purchase for my mother, only to find that her debit card had been locked. she never received a fraud alert or anything like normal when they lock the card to make sure it was a valid purchase. My mother finally got through to somebody, after XXXX hours of run-around, only to find out that the peeople in the branch i described, took it upon themselves to lock her card, because they didn't feel i should be doing her errands. They unlocked the card, but I am furious. It is not up to people in a bank branch to decide who uses my mothers card. If it was not meant to be done, my mother would have called the card in stolen. This issue has caused a lot of wasted time, and a lot of un-needed frustration on a XXXX XXXX. I plan to seek financial restitution for this matter for the lost time, and the XXXX  it has caused multiple people. This is unacceptable, and we won't stand for it.

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 2025-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I financed {$6800.00} of dental work at XXXX XXXX and XXXX XXXX, through Comenity Bank under what was represented as a 0 % interest plan for 24 months. I was assured by the provider that this was similar to other interest-free promotions ( e.g., XXXX financing ). Comenity drafted variable recurring payments from my account, but instead of applying them evenly, the balance barely reduced. I was never clearly informed that if the balance was not paid in full by the end of the promotional period, interest would be retroactively applied. Now, instead of owing a small balance, I was shocked to find my balance escalated to over {$7000.00}, with an added {$5000.00} in retroactive interest. I believe this practice is deceptive and misleading. I am willing to pay off the original balance in full but request removal of retroactive interest. 

My original charge was {$6800.00} so I just assumed they would split it by 24 months like others. That would be {$280.00}, this months bill showed {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX - XXXX Unknown - XXXX XXXXInquiryXXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-10-03 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair 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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Missing current info... 

XXXX XXXX is Reporting fraudulent late payment information... 

Incorrect dates errors... 

Missing updated status notations do to the COVID-19 CARES ACT...

Requested status forgiveness during Covid19 hardship ... '' The LATE payments shown on my credit report ( XX/XX/XXXX thru XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to STOP ADVERSE CREDIT REPORTING during the COVID-19 crisis under these circumstances... Please DELETE ALL late payment STATUSES information IMMEDIATELY to ... PAID as AGREED & NEVER LATE for the following time period. .. XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
My information was exposed in a data breach and as a result i am a victim of identity theft. i have submitted all required documents to be able to get these accounts blocked from my report in accordance with FCRA 15 usc 1681 605b. When i called and spoke with a rep at experian they told me my documents were not clear enough. So i submitted new docs to support my dispute and they still have not complied with my rights as a consumer to have these items blocked and deleted from my report. I am submitting the documents again as proof that i submitted all required documentation. The accounts are Account number XXXX Account number 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
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I refinanced this vehicle with XXXX XXXX. Capital One signed for a check on XX/XX/year> in the amount of {$22000.00}. This check was signed for by XXXX XXXX, XXXX tracking # XXXX. I have called every day to inquire why this payment is not showing as pending or applied and Im being harassed that the account is past due and will be reported on my credit reports. How can I be past due when they are holding a check for more money than the payoff. Im also being assessed {$9.00} a day in interest daily in addition to the payoff quote for every day they hold this check. The agents verified it was received but hasnt been applied. I have repeatedly asked to update the account to reflect it is not past due if youre holding a check for more than the full payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: UT

Complaint narrative:
Dear CFPB, I am filing a complaint against First American Title regarding serious violations of TRID ( TILA-RESPA Integrated Disclosures ) and post-closing practices. 

On XX/XX/year>, I received and acknowledged a Closing Disclosure ( CD ) showing a cash-to-close amount of {$570000.00}. 

I wired this exact amount prior to closing, which was acknowledged and accepted by the title company. 

At the XX/XX/year> closing, First American included an unacknowledged Closing Disclosure reflecting a materially different amount ( {$590000.00} ) in the signing package. The variance in this document was never reviewed, nor explained to me. 

Despite this discrepancy, the title company disbursed funds and closed the transaction. 

Nearly three weeks later, I was contacted with a demand for an additional {$15000.00}, threatening litigation if not paid. 

I believe this conduct violates TRID requirements because : The final, acknowledged CD must be delivered to and signed by the borrower prior to closing. 

Including an unacknowledged, higher CD in the package without explanation fails TRID compliance. 

Disbursing funds without correcting or reconciling the disclosures creates consumer confusion and financial harm. 

I respectfully request the CFPB to investigate First American Titles disclosure practices and failure to follow TRID protocol, which has resulted in an unfair demand for funds weeks after a properly funded closing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America credited me {$160.00} permanently on Wednesday, XX/XX/year> for a scam claim. Then on Saturday XX/XX/year> Bank of America also debited {$160.00} from my XXXX XXXX balance as a part of the claim. This left me out of XXXX despite the case being marked resolved in my favor. I am requesting correction or post dispute adjustment.

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 2025-10-03 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: FL

Complaint narrative:
TransUnion is reporting multiple tradelines with material inaccuracies and internal contradictions in violation of FCRA 607 ( b ). Under 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must conduct an independent reinvestigation ; XXXX v. TransUnion, XXXX XXXX XXXX forbids parroting furnishers codes. If you can not obtain competent evidence ( original running statements/ledgers proving bill date, contractual due date, payment receipt date, and posting for each alleged late month ), you must delete the information under 1681i ( a ) ( 5 ) ( A ).

Furnishers also have duties under Reg V ( 12 C.F.R. 1022.42.43 ).

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 2025-10-03 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: FL

Complaint narrative:
Experian is reporting multiple tradelines with material inaccuracies contrary to FCRA 607 ( b ).

Under 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), you must perform an independent reinvestigation consistent with XXXX v. XXXX, XXXX XXXX XXXX. If you can not obtain competent evidencerunning statements/ledgers proving bill date, contractual due date, receipt, and posting for each disputed late monththen 1681i ( a ) ( 5 ) ( A ) requires deletion. Reg V duties also apply.

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 2025-10-03 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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