vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : 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 non-monetary relief
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Under the Fair Credit Reporting Act ( FCRA ) I previously disputed the accuracy of the following account appearing on my credit report, through CFPB, which took longer than 30 days and resulted in the errors not being corrected : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After reviewing my credit file, I found multiple factual inaccuracies and FCRA violations that require immediate deletion of this account : 1. * * Contradictory Status ( Paid vs. Charge-Off ) * * The account shows Paid with a {$0.00} balance, yet the payment status remains Collection/Charge-off.

- * Violation : * FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 1681i ( a ) ( 5 ) ( A ) ( failure to correct/delete inaccurate information ). 

XXXX. * * False Unpaid Balance Comment ( Experian ) * * Experian reports Unpaid balance reported as a loss by credit grantor while simultaneously listing the account as Paid with a {$0.00} balance.

- * Violation : * FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ).

3. * * Continuous Charge-Off Reporting ( Re-Aging ) * * The payment history shows charge-off ( CO ) every month for over XXXX years. A charge-off is a one-time event ; continuous reporting is false and unlawfully extends derogatory reporting. 
- * Violation : * FCRA 1681c ( a ) ( 4 ) ( limiting duration of adverse information ) and 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX. * * Inconsistent Activity Dates * * TransUnion lists Date Last Active as XX/XX/year>, while Experian lists XX/XX/year>, which is after the final payment. These discrepancies show improper re-aging.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My son is a user on my usaa checking. He turned XXXX. They required an id. His is expired. They have locked down my account and will not give me access I have over XXXX in that account and can not pay bills Usaa checking

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Statement Regarding Account Closure Citi XXXX XXXX XXXX Citi Custom Cash Cards  On XX/XX/year>, I opened Citis new premium credit card, the Citi XXXX XXXX XXXX, which carries a {$590.00} annual fee. The account functioned normally, and I successfully met the welcome bonus requirement, earning XXXX Citi ThankYou Points. 

Subsequently, my account was locked, and Citi notified me that I needed to submit a specific IRS tax form by XX/XX/year>, to keep my account open. I promptly complied and sent in the required form for the Citi XXXX XXXX account. Shortly afterward, Citi made the same request for my Citi XXXX XXXX XXXX, and I submitted that form as well, including my tax information. 

However, approximately 1015 days later, I discovered that both of my accounts had been shut down and closed. When I contacted Citis customer service, I was informed that this issue has been affecting multiple customers something that has even been covered in the XXXX XXXX XXXX where accounts are being closed due to confusion surrounding these IRS form requests. 

When I spoke with Citi representatives today, they claimed my accounts were closed because I had filed the form incorrectly and that they had sent me two notices to correct it, to which they said I did not respond. This is inaccurate. I received only one letter, which I responded to in good faith, though its possible a portion of the form may have been completed incorrectly.

Citi further stated that my second submission ( for the second credit card ) was interpreted as a second attempt for the first account, and therefore, they closed both accounts with no additional warning or grace period. 

As a result, I have now lost : Both of my Citi credit card accounts ( Strata Elite and Custom Cash ) My combined credit limits Over XXXX ThankYou Points ( valued at approximately {$1200.00} ) Potentially, a negative impact on my credit score I believe this closure and forfeiture of my points are unjust and disproportionate, given that I complied with Citis requests in good faith and never received multiple notices as claimed. I respectfully request that Citi : XXXX. Reopen or reinstate both accounts, or at minimum, XXXX. Refund the pro-rated portion of my {$590.00} annual fee, and XXXX. Return or reinstate my XXXX ThankYou Points, and XXXX. Provide a written explanation for the closures in accordance with the Fair Credit Reporting Act ( FCRA ). 



I hope Citi will review this matter thoroughly and resolve it fairly. 

Sincerely, XXXX XXXX Last XXXX digits of Citi XXXX XXXX : XXXX Last XXXX digits of Citi XXXX Cash : XXXX Date : XX/XX/year> Phone : XXXX Email : 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 monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Reported XXXX Credit Card Accounts to Transunion, XXXX  and Experian as not my Accounts. Only Transunion Removed errors. I requested removal of the Accounts or proof that the accounts were not for XXXX XXXX XXXX or some other XXXX XXXX and actually Accounts for XXXX XXXX XXXX. The credit reporting agencies responded claiming all disputed credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), and XXXX XXXX collection was investigated and was accurate to include an unidentified Bank Loan. Fact that information could be for XXXX XXXX XXXX and some other XXXX XXXX but not XXXX XXXX XXXX was given no attention by any responding credit reporting agencies with the exception of Transunion. Now even Transunion has started reporting XXXX XXXX XXXX and XXXX XXXX again in error as my accounts

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 2025-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I refinanced my home with XXXX XXXX  in XXXX and paid off both my first mortgage and a HELOC previously held with XXXX XXXX. The payoff to XXXX was completed through escrow at closing. 

From XXXX until XX/XX/XXXX, I never received any communication, statement, or billing notice from XXXX XXXX or any of its servicers regarding this HELOC account or any fees associated with it. For four years, the account appeared to be fully satisfied and inactive. 

However, beginning in XX/XX/XXXX, I suddenly started receiving letters from XXXX  ( or its new servicing company ) claiming that my HELOC account was still open and that I owed an annual fee through XXXX to XXXX with a total of {$300.00}. 

I contacted XXXX in XX/XX/XXXX to dispute this, and they responded that their records do not reflect a signed closure request from the previous servicer. They also sent me a payoff quote including the owed annual fee plus additional fees regarding to the closing cost even though the account had been paid off in full since XXXX. 

A signed closure request is an internal administrative document, not a legal requirement for closure once the loan has been paid in full. Under RESPA and TILA, the lender must treat a paid-off HELOC as closed and may not assess additional fees or charges. 

I have attached the XXXX Closing Disclosure, Settlement / Payoff Statement, and the recent XXXX letters showing their claim. 

I am requesting CFPB assistance to require XXXX XXXX  to ( XXXX ) mark the HELOC account as paid and closed, ( XXXX ) remove any fees request after the XXXX payoff, and ( XXXX ) confirm that no adverse credit reporting has been made related to this account.

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 2025-10-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Account Dept of Education/Nelnet XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX Balance : {$780.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law.

As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability.

Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA.

Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data.

Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Thank you for your immediate attention to this matter. 



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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
This is a loan that was done in XXXX  and last payment was made in XXXX  do to a divorce. I have requested a deletion of this loan do to the time of the loan and the accurate amount owed.I only have one credit bureau that refuses to delete this account. I have reached out them several times. This has been more then 7 years that have I already dealt with this problem. I ask that this account be removed from my account .Thank you. Account number XXXX Santander consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl, XXXX XXXX XXXX Date : XX/XX/2025 Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX date opened : XX/XX/2025 XXXX XXXX  date opened : XX/XX/2025 XXXX XXXX XXXX date opened : XX/XX/2025 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BANK OF AMERICAs failure to properly verify and correct inaccurate information reported on my credit file.

Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BANK OF AMERICA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

BANK OF AMERICA XXXX....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The Wells Fargo Bank N.A. ( WFBNA CARD ) tradeline is reporting Paid in settlement while still showing charge-off ( CO ) codes after the settlement date. This is inaccurate and contradictory. Once an account is settled, the reporting should reflect Closed Paid in settlement {$0.00} balance, not continued charge-off activity.

This violates XXXX XXXX  reporting guidelines and FCRA 623 ( a ) ( 1 ) ( A ). Previous disputes were verified without proof of ownership or documentation from Wells Fargo. I request a proper investigation and correction of this tradeline.

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 2025-10-23 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple inaccuracies and erroneous reporting on my credit report by several financial institutions. These inaccuracies are adversely affecting my creditworthiness and causing significant distress. 

Specifically, the following issues have been identified : Wrong Addresses reported : 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 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 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 XXXXXX/XX/XXXX, Balance : {$2500.00} I have verified that these accounts and addresses are either incorrectly reported or do not reflect my actual payment history. The inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused unwarranted negative impacts on my credit score. 

I request that the CFPB investigate these matters immediately and compel the respective financial institutions to : Correct the inaccurate addresses. 

Remove any incorrectly reported late payments. 

Rectify any wrongful charge-off entries. 

Provide written confirmation once the corrections have been made. 

Please consider this a formal request for action. I am attaching copies of my identification, proof of current address, and relevant account statements to support my claims.

Company response to consumer: Closed with non-monetary relief