vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was the co-signer on an auto loan with XXXX XXXX, Account No. XXXX, for a XXXX XXXX XXXX. 
The primary borrower traded in the vehicle on XX/XX/XXXX, at XXXX XXXX XXXX, as shown on the attached Buyers Tag Receipt. 
Under the trade-in contract, the dealer was responsible for submitting the payoff to XXXX XXXX XXXX 

XXXX XXXX issued a Paid in Full Letter dated XX/XX/XXXX, confirming that the account was completely satisfied on XX/XX/XXXX. 
Despite this, XXXX XXXX reported a XXXX late payment for XXXX XXXX on both my credit report and the primary borrowers. 

This late mark is false and misleading because neither borrower nor co-signer was in defaultpayment responsibility had already been transferred to the dealer on XX/XX/XXXX. The delay occurred entirely due to internal processing by the dealer and XXXX XXXX. 

This conduct violates : FCRA XXXX ( a ) ( XXXX ) ( A ) furnisher may not report information known or reasonably believed to be inaccurate. 

FCRA XXXX ( a ) ( XXXX ) duty to promptly correct and update inaccurate data. 

TILA / XXXX  ( XXXX U.S.C. XXXX ) prohibiting unfair or deceptive acts that injure consumers through administrative or systemic delays. 

Supporting case law : XXXX XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Both cases confirm that reporting a delinquency after a trade-in payoff has been initiated is an FCRA violation. 

As a co-signer, I was not notified of any alleged late payment and had no control over the dealers payoff timeline. The inaccurate reporting damaged my personal credit, even though I was never late or delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello, I mailed notarized letters to Portfolio Recovery on XX/XX/year>, I have not received a response. This is my final attempt to resolve this issue before pursuing litigation with my attorney. Attached is an updated notice and my identity docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
A XXXX  bank card was opened on XX/XX/XXXX and closed XX/XX/XXXX due to identity theft. 

The amount of this account is {$15.00}, 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 non-monetary relief
Consumer complaint received 2025-10-30 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:
A discover bank card was opened on XX/XX/XXXX and closed XX/XX/XXXX due to identity theft. 

The amount of this account is {$15.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A XXXX  bank card was opened on XX/XX/XXXX and closed XX/XX/XXXX due to identity theft. 

The amount of this account is {$15.00}, 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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I had about XXXX XXXX in Robinhood : XXXX XXXX in stocks and XXXX XXXX in XXXX on XXXX. Then Robinhood closed my account without my permission, effectively erasing XXXX XXXX dollars of mine in a split second. They did this by selling my securities without my permission. I never wanted my securities to be sold. I simply just wanted to transfer the XXXX XXXX in shares and leave the XXXX XXXX in call options on XXXX on the Robinhood platform. 
Moreover, I cant withdraw my funds : the XXXX XXXX left. Theyre using an account restriction as an excuse to block the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am disputing the following accounts, which I believe are inaccurately reported : Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} Inquiries XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX : : I accepted a Promo Offer of 3.99 % APR on all purchases which lasts till XX/XX/XXXX. 

XX/XX/XXXX : I made a purchase of close to {$9200.00} and {$160.00}. 

XX/XX/XXXX : : I see an interest charge applied on my purchase with regular XXXX price rather than the XXXX XXXX. 

Around XX/XX/XXXX or XXXX : I call Barclays and they admit the problem and open a case. The case number was XXXX and a resolution is promised. 

I email Barclays with the case status but no response other than automated email. 

XX/XX/XXXX : The new statement again has added XXXX rate with regular APR along with old charges not being removed. 

XX/XX/XXXX. I call Barclays XXXX and refer the case and they mention the case is closed without any updates. A new case is opened with the number XXXX. 
The agent admits after going through the same loop that this is a mistake at their end and their IT department will address and fix it and all charges will be reversed in the upcoming statement. 

XX/XX/XXXX : : I receive my third statement and the same problem as the statement received on XX/XX/XXXX with new charges with regular APR and no removal of previous charges as promised. I call the Customer service with referring to the same case number. Same lies repeated as prior calls stating charges will be removed. This time, I mention that I am recording the call and then request escalation to manger. The manager gives the same drill that this will be rectified but doesn't want to remove the existing charges and informs that she will not authorize call recording to continue even though previous agent didn't object.

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 2025-10-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-30 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX accounts that contain clear billing and reporting errors which have negatively affected my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately record payments and credits, yet the payments I made were not properly applied, and there are noticeable calculation discrepancies in the reported balances. To make matters worse, I was never provided with the mandatory XXXX notice before the due dates, which renders any late payment marks invalid. These violations of federal law have unfairly damaged my credit standing and must be addressed without delay.

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 2025-10-30 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: Opportunity Fund
State: FL

Complaint narrative:
ACCION OPPORTUNITY FUND Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Charged Off Accounts : XXXXXXXX XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$3100.00} is incorrect. Please review and correct this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$1800.00}. Please investigate and provide a corrected entry. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$1900.00}. Please verify and update the account. 

XXXX ( Account : XXXX ) Dispute : The account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update the status. 

XXXX XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$530.00} is incorrect. Please verify and provide the correct entry. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1800.00}. Please review and verify the accuracy. 

Inquiries : XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from my credit report. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed as it was not authorized. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry is inaccurate and should be removed from my credit report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent and should be removed from my credit report. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry should be removed as it was not authorized. 

XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry is not authorized and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Last year around XXXX I found out that someone had opened an account without my permission and abused it with check fraud etc. The accounts were ending in XXXX and XXXX. I got those removed from my record after reaching out to the enterprise complaints management office. The Case number for that is XXXX. 

Around XX/XX/XXXX, I had opened an everyday checking account ending in XXXX. That account was subject to close too because of some error. I went to a wells fargo branch on XX/XX/XXXX and my banker XXXX XXXX reached out to the back office for me, and spoke to an employee XXXX XXXX. XXXX explained my circumstances to XXXX, about how I was a victim of ID theft and that my account shouldnt be getting closed. XXXX told XXXX that I would get a call from the back office within XXXX hours. The next day I get a call from the fraud/prevention team stating that I would be able to keep my account open and that it was not going to be getting closed. 

I recently got back from being away for XXXX  months. I logged into my everyday checking wells fargo account on XX/XX/XXXX ... and within XXXX days after that I get an email and notification that my account is being closed. The balance was about XXXX cents because I had not used the account in XXXX  months, but I never abused the account nor commit any suspicious activity on it. On XX/XX/XXXX, I opened a wells fargo clear access checking account and was approved for it online. I then get an email the next day, XX/XX/XXXX, saying that this clear access account ending in XXXX is being closed as well. I am wondering if there is a chance to save either of these accounts. I had my accounts due to close back in XXXX and they were able to be saved because it was fraud that had occured. Please let me know what solution there is to this situation. I really appreciate it. 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am also disputing inaccurate and unverifiable information being reported by Experian. 

Charged-Off Accounts in Dispute ( Experian ) : XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX Account # XXXX, Reported XX/XX/XXXX, Balance : {$0.00} XXXX  Account XXXX XXXX, Reported XX/XX/XXXX, Balance : {$1600.00} These accounts are being reported as charged off, but I do not have sufficient verification or supporting records for these balances or statuses. Please reinvestigate under FCRA 611 and remove these accounts if the furnisher can not provide complete verification. 

Late Payment in Dispute ( Experian ) : XXXX  XXXX Account # XXXX This account shows a late payment I do not believe is valid. I request a reinvestigation and removal of any unverified derogatory marks.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for reporting accounts that do not belong to me and for producing inconsistent, contradictory entries that demonstrate a clear mixed-file / identity error. 

XXXX XXXX Account numbers reported as : # XXXX ( Experian ), # XXXX ( Equifax ), # XXXX ( TransUnion ) each bureau shows different account numbers, balances, and statuses ( charge-off vs closed vs no payment history ). These are conflicting data points that can not all be true and demonstrate a failure to maintain accurate consumer files under federal law. 

Legal grounds : 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting multiple, inconsistent account identifiers and divergent statuses for the same alleged obligation is a straightforward breach of that duty.

15 U.S.C. 1681i ( a ) When I dispute, the bureaus must conduct a reasonable reinvestigation ; merely echoing a furnishers unverified response is insufficient.

15 U.S.C. 1681s-2 ( b ) The furnisher ( XXXXXXXX XXXX  ) must correct inaccurate information and notify all CRAs ; the current cross-bureau inconsistencies show furnisher + bureau coordination failures and statutory noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for reporting accounts that do not belong to me and for producing inconsistent, contradictory entries that demonstrate a clear mixed-file / identity error. 

XXXX XXXX Account numbers reported as : # XXXX ( Experian ), # XXXX ( Equifax ), # XXXX ( TransUnion ) each bureau shows different account numbers, balances, and statuses ( charge-off vs closed vs no payment history ). These are conflicting data points that can not all be true and demonstrate a failure to maintain accurate consumer files under federal law. 

Legal grounds : 15 U.S.C. 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting multiple, inconsistent account identifiers and divergent statuses for the same alleged obligation is a straightforward breach of that duty.

15 U.S.C. 1681i ( a ) When I dispute, the bureaus must conduct a reasonable reinvestigation ; merely echoing a furnishers unverified response is insufficient.

15 U.S.C. 1681s-2 ( b ) The furnisher ( XXXXXXXX XXXX  ) must correct inaccurate information and notify all CRAs ; the current cross-bureau inconsistencies show furnisher + bureau coordination failures and statutory noncompliance.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-10-30 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief