vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
All my credit is paid and also I Told them this affecting for buying a house and getting charge cards.I explain and showed them I was hurt under workers compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello My name is XXXX, I recently am running into issues with my account of money being taken out of my account by a system in place I was told by a representative that automatically takes it out on there end when I enrolled in XXXX XXXX  but Ive never run across this problem in the past and Ive been with XXXX XXXX for XXXX  years now. 

On XXXX XXXX From getting paid that day I had a total of {$890.00} which then I put half into my savings account making it {$400.00} in my savings account and {$490.00} in my main account. 
Now my main account i accumulated charges of {$250.00} leaving me with {$190.00} then I spent an additional {$44.00} and {$130.00} and {$19.00} which would have brought my account balance to XXXX dollars. 
I was going to then transfer a portion of the {$400.00} dollars that was supposed to be in my savings account to handle any additional fees I might have had coming up in my main account. But when I checked my account I didnt have that amount even though I never touched my savings account. I called the support line for help but everybody was just telling me that I had overdrafted on my account which I know isnt accurate. 

On the XXXX I also see I had XXXX in my account in XXXX XXXX  and XXXX was supposed to come out but they had there system flag my account as if it was overdrafted and have a fee of {$170.00} that was distributed into my account to cover for fees I didnt have until the following day. 

On the XXXX I spent {$20.00} and I spent {$74.00} but that was money I was going to use from my savings account to cover now its saying my savings account is in the negative when I know for a fact I had money still in there. So I called the support line again and the representative told me that they had a automatic system where they take the funds out as well on top of me already moving money out so it pushed my account into the negative when I had the money in my main account but they took it out of my savings a second time on top of me taking it out. This whole ordeal has been so stressful and emotionally exhausting and mentally draining. And nobody in customer support has been able to help even though I called. 

Thank you for you time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

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 2025-09-17 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: MI

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 non-monetary relief
Consumer complaint received 2025-09-17 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: DISCOVER BANK
State: TX

Complaint narrative:
-- - Subject : Discover Account Ending XXXX Invalid Verification and Data Breach Complaint : I dispute the accuracy of the Discover account ending in XXXX. Discovers verification is invalid because it relies solely on identifiers ( name, XXXX, XXXX, address ) that were compromised in multiple confirmed data breaches ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and dark web exposure ). The Cardmember Agreement they provided is unsigned and does not prove account ownership. 

Reporting this account without verifiable proof is inaccurate, misleading, and a violation of FCRA 1681i & 1681s-2. 

Requested Resolution : XXXX. Immediate deletion or suppression of the disputed account from all credit bureaus. 


XXXX. Written confirmation that deletion has been completed. 


XXXX. Assurance the account will not be reported in the future, as the underlying identifiers are permanently compromised. 



Supporting documentation, including breach notices and affidavit, is attached. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the late payment reported on my credit file. This entry is inaccurate and does not reflect my consistent record of on-time payments. It has created a misleading and damaging impression of my creditworthiness.

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 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: WV

Complaint narrative:
XX/XX/year> my mortgage payment began to increase beyond what my husband and I had agreed to at closing. The closing doc, ( CD ) indicated the pmt would not exceed {$2700.00}. I contacted XXXX XXXX and XXXX XXXX via email with questions but never received a follow up. The quick response I received was that I had misunderstood the CD. I went to the attorney who did the closing and had him rereview the information. He stressed the CD contains XXXX separate sets of mortgage documents and I had not misunderstood anything. During that time the mortgage payments were being " misapplied '', and I was being charged late fees. XXXX advised there were an issue with the online banking payment portal and assured it would be fixed. I told XXXX and XXXX my wish was to be removed from whatever pilot program they had my mortgage in. Once we closed on our home my husband and I were advised we were part of a pilot program with Planet and that our mortgage was XXXX of the first construction loans Planet Lending had closed on. We were advised our mortgage was the guinea pig and praised for how patient we had been through the lending process. 
Today my mortgage payment is over {$4000.00}, and this mortgage does NOT appear on mine nor my husband 's credit report. 

Past due payments XXXX XXXX To : XXXX, and XXXX others Mon, XX/XX/year> at XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today the Planet mortgage website shows a past due balance of {$5600.00}. The payment of {$2600.00} collected in XXXX for XXXX payment has not been applied correctly. Per our email thread you both are aware of your website errors. The email from XXXX concerning the {$320.00} late payment has not been addressed like I was advised it was. I was told I would receive a call on Thursday XX/XX/year> by XXXX to discuss the interest payments once the loan reaches {$740000.00} and have attempted to make contact with XXXX on XXXX separate occasions. I have yet to receive a call. I am respectfully requesting to be removed from this XXXX XXXX XXXX program as this has been the worst, most mismanaged program. I question the competency of your financial institution at this point. I should not have to make contact with the mortgage company several times a month with the same concerns!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened XXXX cd accounts, XXXX for XXXX for XXXX  months and the second one was XXXX for XXXX months. I made XXXX seperate ach deposits from my bank account into my cd accounts {$20000.00} was going to the XXXX  month cd and {$280000.00} was going into the XXXX month cd. 

They put both deposits in the XXXX month and are refusing to correct it unless they close the account and charge a penalty, I have spoke to two people on chat and XXXX on the phone. 

This is why I made XXXX seperate transactions ( ach transfers into the accounts ). To make sure it went into the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: OH

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 : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} 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, 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 2025-09-17 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: OK

Complaint narrative:
Under 15 USC 1692c is legal to be contacted by this debt collection agency without my consent and they have been calling me after XXXX an before XXXX remove this collection immediately

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 2025-09-17 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: TX

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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  INQUIERES XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX BANK - XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-09-17 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was issued a new credit card by Citibank on XX/XX/XXXX. Immediately upon receipt, the account went into a security check status. Citibank was not able to verify by phone and sent a paper code mailed to my address. I have not received the mailed paper code. As a result, my online account access remains blocked, and I can not use the credit card at all. 

Despite this, Citibank has already posted an annual fee to my account. I have not made a single transaction, and I have no ability to access my account to resolve the matter. I contacted Citibank, but they have not provided a resolution. I am effectively being charged for a product I can not use. 

What I would like to happen : Remove or reverse the annual fee. 
Ensure I have fair access to my account before any charges are applied. 

Because Citibank has not been able to resolve this in 2 months, I request the account be closed with no fees or negative reporting to my credit history. 

Supporting details : Approved XX/XX/XXXX Account is new XXXX transactions made. 

Online access blocked since issuance. 

Verification code by mail has not been received. 

Annual fee has already been posted

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