vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XX/XX/XXXX ______________________________________________________________________ Transunion Attn : Consumer Disputes/ Reinvestigations Department Re : XXXX XXXX Dispute Incorrect Charge-Off Reporting Creditor/Furnisher : XXXX / XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX Reported Status : Charged Off ( {$11000.00} ) On Record Until : XX/XX/XXXX ______________________________________________________________________ I. BASIS OF DISPUTE ( XXXX + FCRA 611/623 Violations ) I am formally disputing the accuracy, completeness, and XXXX compliance of the reporting for the above-referenced XXXX XXXX  account. 

The data you are publishing contains multiple XXXX XXXX  conflicts, FCRA accuracy violations, and illegal re-aging indicators, including : XXXX codes reported every month from XXXX through XXXX ( NOT allowedcharge-off is a single event ). 
- A past due amount of {$11000.00} ( NOT allowedcharge-off accounts can not have past-due balances ). 
- A Last Payment Date of XX/XX/XXXX on a charge-off account ( impossible without re-aging ). 
- Ongoing updates to delinquency status five years after charge-off ( prohibited by XXXX ) XXXX 
- Missing, incorrect, or contradictory Date of First Delinquency ( DOFD ). 
-Status and payment fields that contradict XXXX formatting rules. 

Because this information is internally inconsistent, unverifiable, and non-compliant with XXXX CRRG and FCRA 602 ( A ), 607 ( B ), 611, and 623 ( a ) ( 2 ), I request a complete reinvestigation. 

______________________________________________________________________ XXXX. REQUESTED ACTION Please conduct a full ACDV reinvestigation and require Santander to verify each XXXX field with original account documentation. 

If XXXX can not validate the reported dates, CO codes, XXXX, and payment history with documentation, the derogatory information must be corrected or deleted. 

I am attaching a full XXXX Field-by-Field Correction Sheet for your reinvestigation team and the furnisher. 

_____________________________________________________________________ XXXX. ATTACHMENT XXXX FIELD-BY-FIELD CORRECTION SHEET ( XXXX  / XXXX XXXX ) Furnisher : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information that Sallie Mae is reporting to the credit bureaus, which violates the FCRAs accuracy and data-furnishing requirements. 

My Sallie Mae account shows multiple issues : 1. Incorrect and inconsistent late payment reporting My credit report displays : Late 30 days, Late 60 days, and Late 90 days entries but the monthly reporting pattern is inconsistent, with many months showing ND ( no data ) instead of a proper payment history.

Some months show current status, while adjacent months show late payments without documentation.

Sallie Mae has not provided me with : Written notice of delinquency as required Verification of each late payment A clear payment history matching what is reported to XXXX  Because Sallie Maes reporting does not follow the required continuous or accurate pattern, I am requesting a formal investigation. 

2. Unexplained and disproportionate balance increase My loan was originally {$13000.00}, but Sallie Mae is now reporting a balance of over {$20000.00}.

I am requesting : A full itemization of how the balance increased An explanation for capitalization events Proof of proper notices regarding any changes This dramatic increase may indicate improper interest application or inaccurate updates to my credit file.

3. Failure to furnish complete monthly reporting There are multiple periods where Sallie Mae furnished no monthly payment data ( ND ), which is not compliant with FCRA accuracy standards.

An incomplete reporting pattern combined with multiple unexplained late marks makes the information unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have {$30.00} in my PayPal account and they locked my account because someone got into my account and took money off of there I've tried several times to deal with PayPal to get my money back and they just refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I reject responsibility for these accounts ; delete them within 15 days based on USC 1681g.

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 2025-12-08 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed my account. The sited an issue with payments, which I contacted their customer service about previously. I would make a payment and my bank would reject it. This happened a few months back and they assisted me in resolving it. I never received documentation of them closing my account. I can no longer login to view my statements, any documents sent to me or any pertinent information regarding this account. I don't really care about the account being closed, however I know this will effect my credit score, I am however, concerned I can no longer access any pertinent information online regarding my account. I was never notified of my online access being removed either.

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 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XXXX XXXX my Robinhood Trading Account account was frozen and I was no longer able to open new positions or withdraw my funds. I was instructed to change my password, and all my logged in devices were logged out. I was also told to do a selfie verification, along with submitting my Government issued I.D . This was uploaded and again, I was told that a review was underway, and I would get an update by XX/XX/XXXX. This information was not relayed to me by any agent or working member of Robinhood. A simple yellow card was placed at the top of my homepage on the Robinhood App. 

On XX/XX/XXXX the yellow card disappeared and no date was available to me to update me on the status of my account. 
On XX/XX/XXXX, I requested to be called back by Robinhood to find out what is going on with my account. I only requested, and didn't directly call, because that option is not available with Robinhood. After requesting and waiting roughly XXXX minutes, I was alerted that I was next to be called, and then to no avail did I receive a call. About XXXX minutes later, a new " yellow card '' status came up on my account, that further documentation was required. This included a bank statement that I used to fund my Robinhood Account. This information was submitted, and then I again requested a call back. After waiting another 30 minutes, I received a call, which I picked up and then whoever was on the line, dropped the call. I know this was a call from Robinhood because I was told that the call would come from a ( 650 ) area code, which it was. You would think that they would attempt calling again, but no, no response. So again, I requested a call back, to which this time they did call and the only information I was told that my account security is at risk, and the safety and security of the XXXX community was at jeopardy so they could not disclose any more information. I asked when the next update would be and they said XXXX business days. 
On XX/XX/XXXX, another yellow card appeared, and this time it said I would receive an update by XX/XX/XXXX. On XX/XX/XXXX I requested a call back from Robinhood, and again they called, hung up, so I had to request a callback another TWO times before they finally stopped playing games and finally called me without hanging up. This time I spoke to XXXX who again told me the same thing. They weren't allowed to disclose any more information, and I was not told anything of value. 
On XX/XX/XXXX, the yellow card now changed to XX/XX/XXXX. It seems as though I have no control over any of this. They are playing games with me. I can not believe that a company is allowed to do this. I am the owner of this account. My husband and I are seniors and we are relying on this money. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Please look over these materials ; the inquiries were received without advance notice and might not be authorized.

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 2025-12-08 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: GA

Complaint narrative:
I have been disputing wrong information on my credit file and they keep saying it comes back valid and Transuion will not remove the items. I've been asking Transuion to send me the information that they received and show it's valid and they have not giving me any proof. Transuion keep adding accounts that I've told them are not my accounts. My information is in their data breach and was found on the dark web because of Transuion and Equifax data breach! My social security number and date of birth was exposed because of their negligence. I've reported fraud and lock my account with Transuion and they allow inquiries while I have a freeze on my report with them as well.

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 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding the handling of my credit card account and the application of approximately 28 % interest after the end of the promotional XXXX period. I was under the belief that my payments were being applied in a way that would satisfy the balance within the promotional timeline. However, I later discovered that I was being charged interest because the full balance was not paid within 12 months something I was never clearly notified about. 

While setting up AutoPay, the system did not provide an option to schedule payments that would ensure the full balance would be paid off before the promotional period ended. The only AutoPay options available were the minimum payment or a fixed amount, but not an option to automatically pay the full statement balance or promotional balance to avoid interest. This contributed directly to the issue. 

Additionally, although I was enrolled in paperless statements and received regular email notifications, the statements did not clearly or prominently disclose that the promotional period would end in XX/XX/year>, nor did they warn that failing to pay the full balance by that date would result in interest charges. My statements continued to show the same payment due amount each month, which did not indicate that I was falling short of paying off the promotional balance in time. This lack of clear communication prevented me from realizing the risk of interest charges. 

I only became aware of the issue when I noticed that interest of approximately {$700.00} had been added to my balance, at which point I immediately contacted Wells Fargo. Despite multiple attempts to resolve this, I was informed that no adjustments or interest waivers would be made. 

I have multiple Wells Fargo accounts, maintain a strong history with the bank, and have never missed payments including on my auto loan. I believe I acted in good faith based on the information provided to me. I am requesting CFPB assistance to review the following concerns : 1 ) The AutoPay setup did not offer an option to ensure the full balance was paid off within the promotional period, making it difficult to avoid interest even with responsible payment behavior. 

2 ) There was no clear warning ( email, statement note, or alert ) indicating the promotional period was ending or that interest would be charged if the balance was not fully paid. 

I am seeking reconsideration of the interest charged and fair resolution for a situation where the available tools and disclosures did not allow me to prevent this outcome.

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 2025-12-08 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They, in fact, did not come from a 3rd party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
During my period of medical leave, I contacted Santander to request assistance. I was told by your representative that I would receive three months of deferment due to my XXXX and that these payments would be moved to the end of the loan. At no time was I informed that this deferment would result in thousands of dollars in additional interest being added to my balance. 

I also previously received two months of deferment during the XXXX pandemic. Again, I was not informed of any additional interest charges beyond the normal loan schedule. 

My loan maturity date was XX/XX/year>. I am now attempting to pay off the loan with my XXXX payment, and I was told by a representative that the additional {$3000.00} was due to interest from the payment assistance. This was never disclosed to me, and I believe this may constitute a servicing error, an incorrect calculation of interest, or a failure to provide required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
I do not own these accounts and ask for their removal within 15 days as the FCRA requires.

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 2025-12-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief