vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: CA

Complaint narrative:
On XX/XX/year>, and again on XX/XX/year>, my employer sent direct deposit payments to my Revolut account. The amounts were {$75.00} on XX/XX/XXXX, and two payments of {$52.00} on XX/XX/XXXX, totaling {$180.00}. These deposits briefly appeared in my Revolut account

and then disappeared without any notification or explanation. My transaction history showed no record of these deposits being received, rejected, or returned. At no point did I receive an email, app notification, or alert that there was an issue with these transfers. Instead, the app simply said the transfer was taking longer than usual, giving the impression it was still processingwhen in fact, the transfers were already being returned to the sender due to a data entry error ( one digit off in the account number provided by my employer ). 

To get any answers, I had to navigate Revoluts automated AI system multiple times, file two separate Locate Transfer support tickets, and manually escalate the issue just to speak to a live agent. When I finally reached a human, they informed me that the deposits were rejected and would be returned to my employer within 2 business days. However, they also confirmed that even though my support tickets were submitted, they were never assigned to anyone, which is why I received no updates.

This breakdown in customer service and lack of transparency caused financial hardship, as I had less than {$1.00} in my account and was relying on those funds for essential expenses.

I am requesting that the CFPB investigate the following : Why Revolut failed to notify me of the rejected transfers.

Why tickets went unassigned with no follow-up.

Why the app presented misleading messaging ( taking longer than usual ) when deposits had failed.

What steps Revolut will take to ensure users are properly informed when payments are not received or are returned.

As a consumer, I should not have to dig through AI prompts and file multiple tickets to find out why my paycheck disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MO

Complaint narrative:
TransUnion reporting inaccurate info, Equifax reporting inaccurate info, Experian reporting inaccurate info

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
TransUnion reporting inaccurate info, Equifax reporting inaccurate info, Experian reporting inaccurate info

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 2025-05-17 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-05-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-05-17 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: TrueAccord Corp.
State: OH

Complaint narrative:
I was a victim of fraud an numerous account popped up besides brings a victim to Pandemic Unemployment Agency in ended up with accounts that had tried disputing several times an they are impacting my credit report under 605a an 15 usc 16666. I even filed a report with FTC the report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: CL Holdings LLC
State: OH

Complaint narrative:
I was a victim of fraud an numerous account popped up besides brings a victim to Pandemic Unemployment Agency in ended up with accounts that had tried disputing several times an they are impacting my credit report under 605a an 15 usc 16666. I even filed a report with FTC the report number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CA

Complaint narrative:
Subject : Experian Misreporting Credit Score and Blocking Fair Dispute Process Message : Experian is reporting an incorrect credit score for me, significantly lower than what all other credit bureaus are reporting. While XXXX  and XXXX show my credit score in the 700+ range, Experian shows it around 650. I believe this is an error in their calculation or data aggregation. 

When I attempted to file a dispute, Experian would only allow me to dispute individual accountsnot the overall XXXX XXXX itself or the way theyre calculating it. This prevents me from addressing the core issue and forces me into a dispute process that doesnt actually fix the problem. 

Additionally, Experian offers no option to email or file a general inquiry about errors in their system. They only allow phone or mail communication, which delays resolution and makes accountability difficult.

I am requesting that Experian be required to : Allow a full dispute or review of credit score calculations Provide a digital communication method ( email or secure online contact form ) Review their system for discrepancies between score models and bureau data This is hurting my financial standing and ability to access fair lending. Please help investigate and hold them accountable.

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 2025-05-16 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: FL

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 immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Transunion, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: North State Acceptance, LLC
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX - XXXX Balance Owed : {$0.00} XXXX/XXXX  - XXXX Balance Owed : {$1900.00} XXXX XXXX - XXXX Balance Owed : {$1600.00} XXXX  - XXXX Balance Owed : {$2200.00} XXXX - XXXX Balance Owed : {$2800.00} XXXX FUNDING XXXX Balance Owed : {$1000.00} XXXX  XXXX - XXXX Balance Owed : {$690.00} XXXX  XXXX - XXXX Balance Owed : {$3100.00} XXXX  XXXX - XXXX Balance Owed : {$65.00}

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 2025-05-17 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: MD

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX - XXXX Balance Owed : {$0.00} XXXX/XXXX  - XXXX Balance Owed : {$1900.00} XXXX XXXX - XXXX Balance Owed : {$1600.00} XXXX  - XXXX Balance Owed : {$2200.00} XXXX - XXXX Balance Owed : {$2800.00} XXXX FUNDING XXXX Balance Owed : {$1000.00} XXXX  XXXX - XXXX Balance Owed : {$690.00} XXXX  XXXX - XXXX Balance Owed : {$3100.00} XXXX  XXXX - XXXX Balance Owed : {$65.00}

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 2025-05-16 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: IN

Complaint narrative:
A lady by the name of XXXX XXXX XXXX has opened accounts in my name, compromised my credit reporting accounts to the where I can not login. I have an address on my credit report that does not belong to me, etc. 

I have filed a police report against her, and I've also disputed some these accounts with the bureaus in the past. Recently, more account have populated up on my credit reports, as charge offs. The bureaus have not complied with my request of sending me the verifiable proof, with my signature, proving that these accounts belong 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: NC

Complaint narrative:
XX/XX/year>, credit was pulled unauthorized. I asked for proof of a signed application

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I Filed a dispute on XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. They alleged company of accepting unreliable information, failure to notify consumers dispute results. This aligns well with my situtaion. XXXX has not attempted to remove, nor correct any information. Im sure requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting any loan services. XXXX violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Summary I am filing this complaint regarding Citi 's failure to process a {$1800.00} refund from XXXX that was confirmed by the merchant but never credited to my XXXX Citi credit card account. Despite multiple communications with both parties and providing documentation, Citi has denied my dispute without proper investigation. 

Detailed Timeline XX/XX/year> : I returned merchandise to XXXX. ( Documentation available ) XX/XX/year> : XXXX confirmed via email they were issuing a refund of {$1800.00}. They provided transaction number XXXX. ( Documentation available ) XX/XX/year> : A pending credit of {$1800.00} briefly appeared on my XXXX Citi credit card account but disappeared after approximately XXXX day. 

XX/XX/year> : I contacted Citi customer service who assured me this was normal procedure and that the credit would reappear within XXXX  days. 

XX/XX/year> : After the full XXXX period elapsed with no refund posted, I contacted Citi again XXXX Their representatives claimed they never received the credit from XXXX. They advised filing a dispute. 

During dispute process : I informed Citi I had documentation proving XXXX had initiated the refund, including the transaction number and confirmation email. The representative stated they would contact me if additional information was needed. 

XX/XX/year> : Citi closed my dispute unfavorably without requesting any supporting documentation from me or properly investigating the transaction number provided by XXXX. 

Subsequent communications : Citi has repeatedly claimed they never received the funds but can not explain why the pending credit initially appeared. 
When questioned about the closed dispute, Citi promised to investigate but has not done so. 
XXXX erroneously claimed they sent the refund to a XXXX account, which I have never used for XXXX purchases. I exclusively use my XXXX Citi card for all XXXX transactions 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 monetary relief