vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: MS

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FCRA Dispute Unauthorized Credit Inquiries To Whom It May Concern : I am disputing unauthorized credit inquiries appearing on my TransUnion consumer report. Under the FCRA ( 15 U.S.C. 1681b ), inquiries require my written consent or a permissible purpose. I did not authorize the following companies to access my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you investigate these inquiries and require the furnishers to produce evidence of my written authorization. If they can not, these inquiries must be deleted from my credit file in compliance with FCRA 1681i.

Please provide me with written confirmation of your investigation results within 30 days. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1400.00} Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$29000.00} Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$620.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Approximately last XX/XX/XXXX, I deposited funds into my Citi Bank checking account. I don't remember exactly how much it was, but it was around {$2000.00}. The bank suddenly closed my account and initially said I'd receive a refund in 30 days. I then called numerous times and each time I would call, I'd be put through to a manager who would get on the call, read a script for about 30 seconds, then hang up on me. 

I had no chance to talk. I received no information. I finally went into the bank branch where I opened the account in XXXX, XXXX  I was helped by a banking agent who made a call to another branch or location. She handed me the phone to talk to another manager, and this manager, again, read some script and then hung up on me. The banking agent at that XXXX branch said that the manager essentially said that I would receive a paper check refund sent to my home within 30 days of the sudden closure. 

I gave my current address and contact information to the banking agent in XXXXXXXX XXXX so that my identity could be identified. I believe she then faxed my information to the department that manages refunds and closed accounts. 

It's now XXXX of XXXX and I still have not received my money. The amount that was in my account at the time of closure was approximately {$2000.00}. 

However, my XXXX XXXX XXXX funds are directly deposited into this account each month. So not only has Citi Bank stolen my {$2000.00}, but they have stolen my VA treasury checks each month as well. I can not access my account online to verify how much money is there still. However, the VA has indicated that each month, approximately {$150.00} is deposited into this account and is not rejected. 

I would like my refund, in full, which I believe is approximately {$3600.00}. There should be no delays as I have waited patiently. Again, there is no way to verify what's in my account as of XX/XX/XXXX. 

Citi Bank has stolen my money and all I want is to be refunded without further delay. I appreciate your help with this matter. I am XXXX XXXX XXXX, have XXXX, and I really need this money. Thank you again.

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 2025-09-15 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$490.00} Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$990.00} Account Name XXXX # XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$730.00} Account Name XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$720.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX TransUnion

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: GA

Complaint narrative:
This company is violating my rights! They have not provided the validation information that I requested under 12 CFR 1006.34 ( b ) ( 5 ). Even though they have not provided this information, they still have placed a collection on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-09-15 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: GA

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I initiated a wire transfer in the amount of $ [ XXXX ] USD from my bank, [ XXXX XXXX XXXX ], to a beneficiary account at Wells Fargo Bank. The transaction details and account involved are above Originator Account Number : XXXX Receiving Beneficiary Account Number : XXXX Sender XXXX  ( Routing # ) : XXXX Receiver XXXX  ( Routing # ) : XXXX The funds have not been credited to the intended recipient and have not been returned to my account. 

I attempted to resolve this issue directly : I contacted Wells Fargo by email and regarding the transaction error but received no response. 
I contacted my own bank, [ XXXX XXXX XXXX ], and requested that they initiate a trace/recall with Wells Fargo they sent several emails to them as well. They have not received any confirmation or resolution from Wells Fargo not even a response. 

To date, Wells Fargo has not provided us with any information, case number, or explanation about this wire transfer. As the sender, I need confirmation of where the funds are, why they have not been credited, and when they will be returned if not applied. 

I am requesting that Wells Fargo urgently investigate this wire transfer, confirm the status of the funds, provide an investigation reference, and coordinate with my bank to ensure that the funds are either properly credited to the intended beneficiary or returned to me.

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 2025-09-15 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: OH

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

1681c2 ) that you, the Experian 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  Date : XX/XX/XXXX U S DISTRICT XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 2025-09-15 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: OH

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX to dispute a credit card account being reported to Equifax in my name. My Equifax report reflects a credit limit of {$28000.00} but does not provide the full account number. It also lists me as an Authorized User and shows that the account is being paid monthly. 

XXXX informed me that they can not locate any such account under my Social Security number and were therefore unable to assist me. This raises a serious concern : either Equifax has incorrectly added this account to my credit profile, or XXXX is reporting inaccurate information without properly associating it with my Social Security number. 

Furthermore, Equifax has stated that the account was verified with XXXX. I question how such verification could have occurred when XXXX itself can not verify the account with me directly. 

I request that this account be thoroughly re-investigated and removed from my credit report if it can not be verified as belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
This transaction should have gone through The customer service representative was unprofessional and refused to process it for his hatred of people who have a preferred gender identity name within their personal XXXX contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
This is a follow up complaint regarding Complaint ID XXXX. 

As part of the resolution, Mr. Cooper agreed to mail ( via XXXX ) my refund check of {$760.00} to me. However, they mailed the check to the incorrect address and have refused to reissue the check and mail to my correct address. 

Their statement was they sent the check to my address on file, however that is not accurate. I purchased the home through them back in XXXX, they send all correspondence to the new address. This is the only time they have mailed anything to another address, that I am aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-15 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX  was a purchase for XXXX. Then which supposedly the payment wasn't taken out which it showed transaction complete the same day many times I purchased from same stope never been any issues with payments. How do cash app tell me XXXX XXXX XXXX XXXX  only tookk partial payment from XXXX. Then was told it was returned back to my account then charged late fee of XXXX so on XX/XX/XXXX when they took their payment caused my account to go into the negative. Which is crazy because if there no money in my cash app it won't go in the negative. So then I had received money from a friend on XX/XX/XXXX. Then it took my XXXX saying because my account was in the negative XXXX on cash app. Cash app refused to see error merchant said it was a issue with cash app bank. I wasn't able to send my husband money because they took it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TransUnion sent letter informing me that they lost my personal information. They offered credit monitoring service in a letter sent to me via US mail. The web site to sign up for credit monitoring does not work. It was not possible to create an account. When I called TransUnion, I was put on indefinite hold. I was not able to sign up for credit monitoring services. TransUnion is not providing the credit monitoring services offered to me through US mail correspondence. CFPB is supposed to be regulating the credit bureaus, who manage to lose my information every year or so. CFPB is failing to provide the oversight needed on the 3 credit bureaus who gather my information and then lose it on an ongoing basis. The credit bureaus gather consumer personal information without the consumers ' authorization, and then then regularly lose it. I'm going to write my Congressman and remind him of CFPB 's failures and urge him to fix the failures of your bureaucracy. I encourage others to do the same.

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