vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: LA

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

Company 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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My name is XXXX XXXX I opened an account with citi bank XX/XX/year> an within opening the account I made a deposit of XXXX $ then when I tried to send money through XXXX they put a block on my account saying my account is under review then later sent a email stating my account is up for closure an I violated there term an conditions and I just made the account an I made valid deposits so they saying that I have to wait 30 days an they will send me a letter in the mail explaining why but when I asked over the phone they kept saying the same thing but not getting down too why my account is being flagged or why its being closed an I think its unfair that Im starting my own business an put my hard earned money into this account an they stealing an frauding people out they money an I just want them shut down an my money back that I deposited into this XXXX Citi group institution bank then I made another deposit of XXXX which on they end showed up as a overdraft when the money was transferred an trying to deposit into the account so they flagged that an keep saying that I violated terms and conditions and I have suspicious activity on my account but not telling me whats going on so XXXX $ was deposited in the account XX/XX/year> at XXXX an I deposited it from my XXXX account which went through successfully and they holding my money and I have kids family business an a life I have to maintain for them to be stealing from people that bank with them

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 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX, XXXX Balance {$60.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$17000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$2900.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-04-25 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Due to me being XXXX  in XXXX XXXX, LA I am qualified for a lower interest rate for being XXXX XXXX  in the state. Instead of having an 8.64 % I can have lower percentage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration

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 2025-04-25 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: PA

Complaint narrative:
I continue to dispute inaccurate, incomplete, and unverifiable information on my credit report and this agency is NOT complying with the Fair Credit Reporting Act. This is the last time that I am disputing this information before I proceed with legal action. Please see attached

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Collections attempting to collect debt that was a result of identity theft and previously removed from all credit reporting agencies for the same reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-25 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XXXX XXXX, 2025, I made an in-store purchase at XXXX in XXXX XXXX XXXX Ohio. At that time, I opened a store credit card and paid the full balance of {$96.00} in cash on the same day. 
Despite this, the amount was erroneously posted to a closed account under my name. I have been informed by XXXX XXXX that the error originated with XXXX, while XXXX claims it is a XXXX XXXX issue. As a result of this miscommunication or internal errorwhich is not mineI am now being held responsible for a charge that was already paid in full. 
I have filed a formal dispute, made numerous phone calls, and spent an extensive amount of time attempting to resolve this issue, all without success. This unresolved matter has now negatively impacted my XXXX XXXX, and I have been denied a credit card through my new bank solely because of this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I transferred {$2400.00} via XXXX through Wells Fargo to a contractor ( XXXX XXXX ) for home repairs. The contractor failed to perform the agreed-upon work and subsequently became unresponsive. After multiple follow-up attempts, I discovered I had been misled and the service was never rendered as promised. 

I disputed the charge through Wells Fargo, but the bank denied my request, stating that Zelle transfers are treated like cash and are not covered under fraud protections. However, this misrepresents the consumer rights provided under Regulation E ( 12 CFR Part 1005 ), which covers unauthorized electronic fund transfers and errorsincluding payments for services not rendered when induced by deception. Multiple precedents and CFPB guidance recognize that consumers who are misled into transferring funds for services never received may be protected under Reg E. Furthermore,
Wells Fargos position conflicts with CFPB guidance issued in XX/XX/XXXX and subsequent enforcement actions which reaffirm that banks must investigate and resolve disputes related to electronic transfers fairly and in good faith.

Wells Fargos blanket refusal to acknowledge potential fraud, investigate the circumstances, or offer remediation shows a disregard for regulatory compliance. I am requesting CFPB review and intervention to reopen my dispute and ensure fair treatment and accountability per consumer protection laws.

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 2025-04-25 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: LA

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

Company 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 2025-04-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a report because my creditor is reporting late payments on my account that are inaccurate and not properly I have disputed this with the credit bureau and the furnisher but the late payments remain without proper validation or documentation under 15 USC 1681 S 2 a furnisher must report accurate information under 15 USC1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither have provided sufficient evidence to support negative reporting.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding my former apartment residence managed by XXXX XXXX XXXX XXXX XXXX at the time of my tenancy in 2022. I am seeking resolution and accountability for a serious financial discrepancy that occurred during my move-in process and was never addressed, despite multiple attempts and clear evidence on my part. In 2022, I applied for and was approved for an apartment while I was XXXX. The property manager at that time, XXXX XXXX, handled my application and move-in. When it came time to move in, I was told I needed to pay a security deposit totaling {$3000.00} an amount listed on the official move-in statement, which I have in my possession. However, when reviewing my lease later, the " Deposit '' section showed {$0.00} as the required deposit. Additionally, a payment receipt report, obtained later from the then-current property manager XXXX XXXX XXXX reflected only {$500.00} recorded in the system. This means over {$2500.00} was unaccounted for. When I brought this discrepancy to XXXX XXXX, he acknowledged the issue and even confirmed that XXXX XXXX was no longer employed with the company due to stealing from multiple residents. I also have written proof from XXXX XXXX stating that my apartment would be put on hold while they investigated where the money went. In XX/XX/year>, I gave XXXX  to my XXXX  three months XXXX. She remained in the XXXX  for three months a very difficult time for me and my family. Despite these challenges, I continued paying my rent and tried to remain in good standing. However, no one from the management resolved the deposit issue. To this day, the situation was never rectified. This deposit discrepancy has now affected my rental history and credit, and I am seeking to have it formally acknowledged and corrected.

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 2025-04-25 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:
This was an unauthorized and fraudulent use of my identity. I had no involvement in opening this account, nor did I give anyone permission to do so on my behalf. This is a clear case of identity theft, and the account does not belong to me in any way.

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 2025-04-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 (
A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-04-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 (
A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-04-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Unfortunately I can't provide all accurate dates as Citi Bank has closed my account and I am unable to log into my account to see all transaction dates. 

Around the beginning of XX/XX/year> I opened up a Citi Bank checking account and I have made a few deposit into the account ( 3 to be exact ). 

XX/XX/year> - deposit of {$1500.00} XX/XX/year> - deposit of {$1800.00} XX/XX/year> - deposit of {$2000.00} On XX/XX/year> I logged into my account to transfer {$2000.00} from my Citi bank account to my local bank. Upon initiating the " confirm '' transfer I received a pop up stating my account is blocked. I called multiple times to figure out why I was blocked and why I can not access my money but customer service said they can't provide details and my account is under review.

A few hours later I tried to log into my account to see if perhaps it was a glitch but unfortunately I could no longer even do that. I called again and eventually got on the phone with a " manager '' and was told that my account has been closed and I would receive a check for my money that was in my account.

It is unacceptable how Citi bank can hold my money hostage while the " account is going through the closing process '' as the manager described it. They were so quick to immediately close my account they should be able to immediately send my funds or at the very least open my account temporarily in order for me to properly withdraw my funds. I have bills and medication I need to pay for and yet I can not due to the incompetent actions of Citi bank.

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