vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau Dear CFPB XXXX, I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C.

1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding inaccurate reporting by TransUnion and the following furnishers : XXXX XXXX XXXX XXXX, USAA Federal Savings Bank, XXXX XXXX, XXXX XXXX Bank ( XXXX ) XXXX and XXXX The issues include : inconsistent reporting, invalid balance fields, improper charge-off status, missing credit limits, residual dispute remarks, and data misclassification all of which violate FCRA 607 ( b ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). I request that the CFPB initiate a formal investigation and compel the companies to correct or remove the disputed data, confirm compliance, and provide written confirmation within 30 days. Sincerely, XXXX XXXX XXXX XXXX, CA XXXX Date of Birth : XX/XX/year>

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> & XX/XX/year> {$2700.00} I disputed this company on two separate occasions and still haven't received validation for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX claims were opened XXXX for {$1000.00} and XXXX for {$3000.00}. The {$1000.00} was falsely denied and the {$3000.00} claim was never opened!

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 2025-10-14 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: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AZ

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I am submitting to formally request a review of certain items currently listed in my file that I believe XXXX be inaccurate or not properly verified. My intention is to ensure that the information reported about me is both complete and accurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I understand that maintaining the accuracy of consumer data is a shared responsibility, and I am reaching out in good faith to resolve these discrepancies. Below are the items Id like to address : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$930.00}

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX my car was illegally repossessed in the XXXX of Arizona by car repossession company XXXX XXXX hired by Ally Bank. My XXXX XXXX XXXX XXXX was parked and locked charged in private property. The tow company illegally entered my apartment complex to retrieve the vehicle and ended up damaging and destroying the car charger in order to repossess my vehicle. This is in violation of state law XXXX XXXX. I tried to stop them but they still took my vehicle while damaging private property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of a charge-off account on my credit report, which continues to reflect derogatory status despite the fact that the balance is now {$0.00} and the debt has been resolved through a separate, still-open account. This dual reporting creates confusion and may result in a misleading representation of my financial obligations. I respectfully request a full investigation and correction of this reporting under the Fair Credit Reporting Act ( FCRA ), Sections 609, 611, and 623, which require that all information reported by furnishers be complete, accurate, and verifiable, and obligateTransUnion to investigate disputed information and correct inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I put in a dispute for a closed account that was inaccurate on the dates and information and nothing was removed or corrected within a 30 day time frame

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 2025-10-14 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I have disputed inaccurate credit reporting with XXXX  twice regarding multiple tradelines, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite clear documentation, XXXX  failed to correct or block false Charge-Off ( CO ) updates. 

Both accounts were charged off years ago ( XXXX XXXX XXXXXX/XX/XXXX, XXXX in XX/XX/XXXX ), yet XXXX  continues to display continuous XXXX  updates through XX/XX/XXXX. These accounts show over XXXX total XXXX  notations across monthly payment histories, each one representing a false update that artificially extends derogatory reporting well beyond the legal XXXX limit. 

XXXX system should have flagged this obvious pattern of illegal re-aging, but instead it repeatedly accepted and published these false updates from furnishers. This violates XXXX  duty to maintain reasonable procedures to ensure accuracy under 15 U.S.C. 1681e ( b ) and its reinvestigation obligations under 15 U.S.C. 1681i ( a ). 

Because of XXXX failure to act, I have been denied housing and credit on multiple occasions. XXXX  has allowed materially false data to remain on file despite XXXX disputes, clear inconsistencies with the Date of First Delinquency, and visible contradictions within its own reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: SC

Complaint narrative:
I attempted to access funds in my Upgrade account ( serviced through XXXX XXXX Bank ) starting on XX/XX/XXXX - XXXX, 2025, via wire transfer and other platforms. Despite the platform advertising same-day wire transfers ( before XXXX XXXX XXXX ), multiple wire requests were denied with no explanation. Repeated attempts to get answers from Upgrade agents resulted in inconsistent and XX/XX/2025 : i contacted XXXX XXXX Bank via chat, trying to transfer funds urgently. 

i attempted to use XXXX XXXX and XXXX both failed with error messages. 

A support agent said there were no restrictions, then later raised questions about account matching details. 

You confirmed the details matched, but attempts still failed. 

XX/XX/2025 : I tried again to transfer to an authorized account it was denied. 

Then attempted a wire transfer for {$410.00} at XXXX XXXX XXXX. 

The wire transfer was submitted after the XXXX XXXX XXXX cut-off for same-day processing. 

XX/XX/2025 : You checked the wire status and found it was denied. 

XXXX with XXXX who stated your account is only eligible for ACH transfers ( XXXX business days ). 

i requested documentation ; he said its not guaranteed. 

He urged me to call their phone line. 

Same day ( XX/XX/XXXX ) around XXXXXXXX XXXX XXXX  : Called and spoke with multiple agents ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Agents were unable to provide concrete answers on : Why wire transfers were denied. 

Why my account was not eligible for wire transfers. 

What the actual requirements for wire eligibility are. 

I submitted a second wire transfer at XXXXXXXX XXXX ( {$440.00} ). 

i never received a callback as promised. 

I logged into account at XXXXXXXX XXXX XXXX to submit another request and see that accounts are suspended after saying I would contact my lawyer XX/XX/2025 ( Today ) : I log into the app both checking and savings accounts are still suspended. 

Ive missed bill payments and incurred losses on trading/investments. responses. I was told my account didnt qualify for wire transfers but was never given the specific criteria or policy in writing. 


On XX/XX/2025, after a week of back-and-forth, I discovered both my checking and savings accounts were suspended without notice or reason. I still have not received a call back or resolution. This has caused financial hardship including missed bill payments, late fees, and loss of investment income ( XXXX a day trader ). The entire experience has been unprofessional, opaque, and financially damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
I am responding to your letter regarding the alleged debt you claim I owe. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this debt, including : 1. The name and address of the original creditor ; 2. The amount of the debt, including itemized interest, fees, and other charges ; 3. Proof that I am legally obligated to pay, such as a copy of the original signed agreement ; and 4. Verification that your company has the legal right to collect this debt.

Please cease all collection activity and reporting to credit bureaus until this validation is provided. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XX/XX/year>, I was a victim of a scam. The scammer opened a CITI Bank checking account in my XXXX credit card account, made a cash advance of {$3500.00} from credit card, and placed the {$3500.00} in the checking account. The scammer intended to wire the funds to another bank account but I changed my password before that action could be taken so my {$3500.00} remained in the fraudulently opened checking account. 

CITI Bank locked my on-line account for 2 months so I could not monitor its status. While my account was locked, CITI Bank moved my {$3500.00} to a sub-ledger ( they told me later ). In the meantime, I paid the {$3500.00}, the cash advance fee of {$170.00}, and interest of {$32.00}. CITI Bank agreed in writing that I was scammed, however they refuse to give me back my money, the {$3500.00}, the cash advance fee, and the interest. 

I have documention to back up all the transactions that I have described above.

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
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sent in a dispute to each of the credit bureaus and XXXX  reports came back proper and verified with all the updated and corrected information and XXXX and Experian did not report the information correctly so I formally requested that they contact XXXX  and correct my information or there will be legal action I want it done in the 15 days the CFPB gives due to the problem still pending

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Previous Addresses ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX  XXXX I have no knowledge of this address on my transunion report. Nor the retired employee would like this of my credit report. Not my address nor I no who XXXX  is.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I sent in a dispute to each of the credit bureaus and XXXX reports came back proper and verified with all the updated and corrected information and TransUnion and XXXX did not report the information correctly so I formally requested that they contact XXXX and correct my information or there will be legal action I want it done in the 15 days the CFPB gives due to the problem still pending

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
This isnt my information. This account has reported XXXX late payments for the months of XXXX, XXXX and XX/XX/year>. I have no knowledge of this account. This account does not belong to me. Nowhere was I aware of any open account due for collections with the total of {$2700.00}. This account is showing XXXX payments in a 24 month payment history. XX/XX/year> XX/XX/year>. Its showing that I made on-time payments which I have no knowledge of this account and have not made any payments towards this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX RE : Request for Debt Validation / Notice of Dispute Account Number XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a letter received from your agency on XX/XX/year> regarding an alleged debt. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request the following information : The amount of the alleged debt, including a complete breakdown of interest, fees, or other charges. 

The name of the original creditor and the full account number. 

Proof that I am legally obligated to pay this debt. 

A copy of the original signed contract or agreement bearing my signature. 

Proof that Midland Credit Management is legally authorized to collect on this debt in my state. 

A copy of the debt assignment or purchase agreement transferring this debt from the original creditor to your agency. 

Until this debt is validated, I request that : All collection activities stop, You do not report this debt to any credit bureaus, or if already reported, that you mark it as disputed, and You do not contact me except to provide the requested validation. 
Please note that any further communication without proper validation of the debt may constitute a violation of the FDCPA. 

This letter is sent via mail and serves as official notice of my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: AL

Complaint narrative:
I was told by a XXXX at XXXX on XX/XX/XXXX that all XXXX  XXXX loans would not report to Credit Bureaus if it were under 90 days past due. So, I made a late payment. This seemed to be correct because I was never reported late and it did not show up on my credit report until XXXX. I spoke will reps at XXXXXXXX XXXX XXXX XXXX XXXXl at XXXX about this and no one could help me. 

XXXX sent me a promissory note that it will report after 30 days, but there are many sources on the student gov website that state that XXXX XXXX  should not be reported under 90 days past due. 

Also, I also left a complaint for the student.gov website and it has been pending review since XX/XX/XXXX.

Company response to consumer: Untimely response