vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE, IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF FACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a Citibank XXXX credit card with a XXXX  XXXX  XXXX  purchase for {$20000.00}. The payment for that purchase is $ XXXX. A credit card purchase was accidentally made in the amount of {$1000.00} to this card on XX/XX/XXXX. Realizing the mistake, I made a payment of {$1000.00} on XX/XX/XXXX, and subsequently made two additional payments of {$500.00} on XX/XX/XXXX and XX/XX/XXXX to cover the payment for the XXXX XXXX. The total payments made for the month of XXXX was {$2000.00}. When I received my new statement at the end of XXXX, my new minimum payment was {$930.00}. The following month I was charged interest in the amount of {$15.00} for the {$1000.00} purchase. I called Citibank on XX/XX/XXXX to address my concerns and was told that the payment was applied to my XXXX  XXXX. I explained that according to their terms on their statement that the payment should have gone toward the balance with the highest APR ( the {$1000.00} purchase ). They said they would research the issue and to check back in 14 days. I followed up on XX/XX/XXXX and spoke to another supervisor who said that the additional {$1000.00} payment went toward the XXXX XXXX. I asked how it went to the Loan when their terms state it should have gone to the highest APR. He stated the payment wasnt applied to the {$1000.00} purchase because the statements reflect the previous month. I asked if they could remove the additional {$1000.00} payment made to the XXXX  XXXX and apply it to the {$1000.00} purchase and he said no that was illegal. I then went into a branch to get a better explanation and to see if there was anything they could do. He contacted Citi and they told him that in order to pay off the balance I needed to make a lump sum payment of {$1900.00}, the payment can not be separated. I explained I already made a payment of {$1000.00} for the XXXX XXXX this month. The representative said that in order to clear the balance I needed to make a payment for {$1900.00}, but could not do so until after XX/XX/XXXX, ( which allows them to charge more interest, and still does not satisfy the fact that I had already made the additional {$1000.00} payment in XXXX ). This practice is deceptive and punishes the consumer who pays their bills on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
wrong numbers and address needs to be updated on file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
wrong numbers and address needs to be updated on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I had a charge on my card so I called and the representative canceled the card never ordered a new one I then complained about this representative to her supervisor that supervisor never checked that an ATM card was processed for me I called back another day and spoke to a second supervisor because at that level is the only way I can get proper answers that supervisor did not check that an ATM card was processed it took a third frustrating phone call then waiting 20 minutes for a supervisor who did what they were supposed to but this experience leaves me very disgusted and distrustful of the place that I trust with my funds. There is no excuse for bad management.

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 2025-09-23 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I submitted this complaint intentionally it is not an error. My credit report contains inaccurate entries that have materially harmed my credit and caused me financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have consistently made timely payments, and any errors in this reporting are both unfair and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to comply with the Fair Credit Reporting Act by continuing to report both inaccurate personal information and unauthorized inquiries on my credit file, despite multiple disputes. My correct address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. However, Experian continues to report false and outdated addresses, including XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. This is a direct violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which requires reinvestigation and correction of disputed information. Experians repeated failure to correct these inaccuracies shows a reckless disregard for their legal duties. In addition, Experian is reporting multiple unauthorized inquiries that I never approved. These include XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX XXXX  dated XX/XX/XXXX XXXX These inquiries do not meet the permissible purpose standard outlined in 15 U.S.C. 1681b, and their continued reporting constitutes unlawful activity. I am demanding that Experian permanently delete all inaccurate addresses and unauthorized inquiries from my credit file. I also demand that Experian conduct a lawful reinvestigation based on original source documentation rather than automated responses through systems such as E-Oscar. I expect written confirmation of all deletions and corrections, as well as a copy of my updated credit report. If Experian fails to comply, I will treat this as intentional noncompliance under 15 U.S.C. 1681n and negligent violations under 15 U.S.C. 1681o, and I will pursue further remedies through regulators, enforcement agencies, and, if necessary, legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account, TransUnion and Equifax. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account, TransUnion and Equifax. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XXXX Im constantly losing money and having unauthorized transactions, multiple logins associated with similar emails of mine. Constant errors, emails of XXXX  being transferred and Im talking XXXX XXXX  at least XXXX times to say the least. 
Other loans Ive been approved for eventually have an error occur and its lost, bringing my credit Down. 
XXXX  doesnt allow me to even check my score and its full of errors, it also blocks any application I apply for while the rest do fine. 
On Robinhood its constantly re-welcoming me, Ill lose money slowly, and non of my trades make decent profit as if theyre known and in a different time zone. Also deposits Ive made dont go through but then I get a message that they were invested. I also believe someone has compromised my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1661. Account Name : XXXX XXXX XXXX XXXX XXXX  Account XXXX 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( A ) ( 5 ) No Consumer reporting agency may make any consumer reporting containing any of the following item 's information and any other adverse item of information, other than records of convictions of crimes which antedates the reporting by 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumers reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a van through XXXX, with financing provided by Ally Financial. At the time of purchase, I was informed that the van had existing damages. XXXX acknowledged these issues and provided me with a written agreementsigned by representatives XXXX XXXX and XXXX that the necessary repairs would be completed at any local XXXX location. 

Shortly after the purchase, the van began exhibiting mechanical issues, including an unsafe condition where the vehicle would attempt to reverse on its own while parked. Due to these reliability concerns, I was ultimately unable to keep the van. It was later sold at auction for the same amount I originally paid. 

As part of the transaction, I also traded in my XXXX, which was valued at about roughly {$21000.00}. Despite this, Ally Financial has since claimed that I owe a balance of approximately {$17000.00}. I received a collection letter referencing this balance would be forgiven in the amount of {$2300.00}, but due to financial hardship at the time, I was unable to make a payment. 

Given the confusion over the balance, I contacted the credit bureaus and requested verification of the debt, as I did not recall owing this amount. Additionally, Ally Financial has reported inaccurate information to the credit bureaus, including : Incorrect dates of last activity A charge-off dated XX/XX/XXXX, which conflicts with the actual timeline and appears to violate provisions of the Fair Credit Reporting Act ( FCRA ) These discrepancies have severely impacted my credit and financial well-being. Based on the original agreement, the vehicles mechanical issues, and the trade-in value provided, I do not believe I should owe this balance to Ally Financial. I am requesting that this matter be thoroughly investigated and that all inaccurate or misleading information be removed or corrected immediately on my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation