vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
The investigation did not fix and error on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
The investigation did not fix and error on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
On XX/XX/XXXX my mortgage was transferred to XXXX XXXX. Beginning immediately after the transfer, XXXX furnished inaccurate information to XXXX, XXXX, and TransUnion in violation of the Fair Credit Reporting Act and Metro 2 reporting standards. 

XXXX reported the account with a Date Opened of XX/XX/XXXX, even though they did not begin servicing until XX/XX/XXXX. This backdating created a false tradeline history. 

XXXX also furnished a Date of First Delinquency of XX/XX/XXXX. XXXX did not service the account at that time, and adopting a prior servicers delinquency creates dual DOFDs, which is prohibited by Metro 2 and results in inaccurate furnishing under FCRA section 623 ( a ) ( 1 ) ( A ). 

From XXXX through XX/XX/XXXX, XXXX reported rolling delinquency codes that escalated each month : 60 days late in XXXX, 90 days late in XXXX, 120 days late in XXXX, and 150 days late in XXXX. Metro 2 requires delinquency to freeze at the true DOFD ; progressive re-aging is knowingly inaccurate. 

XXXX  shows a balance of {$590000.00} and a past due balance of {$24000.00} as of XX/XX/XXXX. These figures are inflated and inconsistent with the actual arrears transferred. Past due reporting must reflect contractual delinquency only. 

TransUnion shows Last Payment Date : XX/XX/XXXX, even though payments were remitted after that date. This misreporting creates the appearance of a longer default period than actually occurred. 

Despite my disputes, XXXX has continued to furnish these derogatories and has not consistently coded the tradeline as Consumer disputes this information across all three bureaus, which violates FCRA section 623 ( b ). 

The only valid delinquency occurred in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  while the loan was still serviced by XXXX XXXX. All derogatories furnished by XXXX after XX/XX/XXXX are inaccurate and unlawful. 

I request that XXXX be required to correct its tradeline by : updating the Date Opened to XX/XX/XXXX, removing the backdated XX/XX/XXXXXXXX  DOFD, eliminating all rolling late codes, correcting inflated balances, updating the last payment date, and properly coding the tradeline as disputed until resolved.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>XXXX  my account was charged a $ XXXX  Monthly Service Fee. This charge was supposed to be waived with an Enhanced Direct Deposit. The Enhanced Direct Deposits were sent to the account on XX/XX/year>XXXX  and XX/XX/year>XXXX  and was preparing the XXXX deposit when the service charge was noticed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-08 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On August 16-18, 2025, I was the victim of a scam in which individuals impersonating Wells Fargo employees gained access ( without my consent ) to my personal information and initiated unauthorized credit card cash advances totaling ~ {$18000.00}. These funds were deposited into my checking account without my knowledge or consent. 

Following the cash advances, the scammer tricked me into transferring and withdrawing portions of the funds ( ~ {$9800.00} transferred to XXXX XXXX XXXX and ~ {$10000.00} physically withdrawn under the scammers direction ). These withdrawals occurred under deception and were possible only because of the unauthorized cash advances. 

I immediately reported the fraud to Wells Fargo and filed reports with the FTC, XXXX Police Department ( case number XXXX ), XXXX XXXX XXXX XXXX ( case number XXXX ), and U.S. Postal Inspection Service ( case number XXXX ). I also froze my credit, changed passwords, and obtained an IRS PIN. 

Wells Fargos executive office denied reimbursement, claiming I received the benefit of the proceeds because the cash advances were deposited into my checking account and that the {$9800.00} XXXX XXXX transfer was authorized. I did not use or benefit from the {$18000.00} ; the funds were misappropriated by the scammer. I was deceived into making the {$9800.00} transfer, and I withdrew ~ {$10000.00} in cash under the scammers direction, which was intercepted by the XXXX XXXX XXXX XXXX. None of these funds were under my independent control. 

I acted in good faith and did not benefit from any of the money. Under Regulation Z ( 12 CFR 1026.12 ( b ) ), these cash advances qualify as unauthorized transactions, and I am entitled to reimbursement. I request that the CFPB investigate Wells Fargos denial and enforce Regulation Z protections to reimburse the unauthorized credit card cash advances.

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 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

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 2025-09-08 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: CT

Complaint narrative:
I reviewed my credit reports from all three credit bureaus and found multiple accounts and collections being reported inaccurately, inconsistently, or without proper verification. Several charge-off accounts, including credit cards and auto loans, continue to show inflated balances, duplicate reporting, or contradictory statuses such as being closed and transferred while still reflecting past due balances. These accounts include reports from around XXXX  through XXXX, with balances ranging from approximately {$450.00} up to over {$13000.00}. In addition, certain collection agencies are reporting debts purchased from original creditors without providing any validation of ownership, and in some cases the same debt is being reported more than once by different collectors. There are also late payments listed that conflict with the payment history of the account, which is misleading and unlawful under the Fair Credit Reporting Act. Finally, multiple hard inquiries from XXXX and XXXX are being reported that I did not authorize, which has caused further damage to my credit score. I previously disputed these items, yet they remain on my report, showing that no proper reinvestigation has been completed. These inaccurate and unverifiable accounts and inquiries are harming my credit profile and must be removed.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for and XXXX XXXX citi bank credit card where I got a promotion for XXXX off statement plus XXXX. When I got the account the promotion applied was for XXXX points if you spend XXXX XXXX capers as soon as I seen the incorrect promotion same day. I was told to call back I called back sent my evidence of the promotion. Today when I called I was told there is nothing they can do

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
company is not accurately reporting my credit accounts. 
report is showing XX/XX/XXXXXXXX  in XX/XX/XXXXXXXX  claiming it is up to date i have asked several times and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-08 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
After reviewing the contract provided by TekCollect, I have identified clear reasons why this alleged debt is invalid and unenforceable : XXXX Is Not a Lender or Creditor The contract explicitly states : Buyer acknowledges and agrees that XXXX  is not a lender but rather the payment processing service provider of Provider [ XXXX ]. 
This means XXXX never extended credit and has no lender/creditor rights. 

Obligation Tied to XXXX Services My obligation was for services from XXXX. Since XXXX went bankrupt in XX/XX/year> and failed to complete my treatment, the contract was materially breached. 

Right to Assert Defenses Against Any Holder The contract states : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES.

This clause allows me to assert XXXX breach of contract as a complete defense to any collection, including by TekCollect. 

Additionally, TekCollect has not provided proof of assignment or legal authority to collect, nor a full itemized statement of charges.

For these reasons, this debt is not valid. I am requesting that the CFPB require TekCollect to cease collection, close the account, and remove all negative credit reporting.

If this matter is not resolved in my favor, I will be prepared to pursue legal action to protect my rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
XXXX XXXX or XXXX XXXX, I opened a Robinhood account and deposited {$10000.00} into the account. After a couple of weeks, Robinhood sent me an email stating that my account was restricted and being closed with out providing a reason. There is also a message when I open my Robinhood application stating " We're closing your Robinhood account due to recent account activity. We'll notify you once this process is complete. '' I reached out to customer service multiple times without a reply. They have no customer service phone number, only an email address, which they dont answer at. Robinhood sent another email stating that the account review would take 120 days, and after the review the account would be closed and my funds withdrawn from my account. The XXXX day was XX/XX/year>, it is now XX/XX/year> and there has been no reply, the funds are still held, and the account is opened but still restricted. I have tried contacting customer service since the 120 day mark with no reply. There have been multiple attempts at contact and request for a phone number with no reply. I plan on contacting a lawyer since the company has made no effort to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have closed my credit accounts with XXXX XXXX  and XXXX. Experian still lists the two accounts on my report as being open. I have filed two disputes for each of the accounts. Experian refuses to correct the report to show that the accounts are closed despite the fact that both accounts are listed as closed on the account company websites

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