vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Inaccurate Credit Reporting by TransUnion Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my credit report. Specifically, TransUnion has listed a XXXX XXXX account that I do not recognize, do not own, and have never authorized. 

I have previously notified TransUnion of this error and requested its removal. However, the account remains on my credit report, negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation when a dispute is submitted. 

I am requesting the CFPB to investigate TransUnions failure to correct this error and compel them to : - Remove the XXXXXXXX XXXXXXXX account from my credit report immediately - Provide written confirmation of the removal - Ensure no further reporting of this account occurs Attached are copies of my credit report, prior dispute correspondence, and any supporting documentation. 

Thank you for your attention to this matter. I expect prompt action and accountability. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint to demand immediate regulatory action against LNLV Funding LLC for fraudulent debt collection practices, harassment, and false credit reporting that has caused severe harm to my financial well-being and personal reputation.

LNLV Funding LLC is attempting to collect a debt that I do not owe. Despite requests for proof, they have failed to provide proper validation or documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
I have been subjected to repeated and aggressive collection attempts that have caused unnecessary emotional distress, mental strain, and disruption of my daily life. 

LNLV Funding LLC has knowingly furnished inaccurate and damaging information to major credit bureaus ( XXXX XXXX XXXX XXXX  ), severely lowering my credit score and limiting my ability to obtain credit, housing, or employment. These actions violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
Funds where sent to incorrect account, when i called the customer service line, I was told that there was nothing they could do. That I would have to wait and see if this individual would refund me my money back. Thats was all the assistance provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a mortgage with Truist Bank and insurance with XXXX XXXX. I have paid my mortgage payment on time for the last 12 months which has included an escrow payment to cover the insurance. I received a notice of cancellation from XXXX stating that the premium wasn't paid. Truist states that they didn't receive the bill from XXXX even though XXXX says it was sent on XX/XX/year>. Truist did not notify me that they had no bill " because they are too busy with all their mortgages to notify customers about situations like this. '' So basically Truist is blaming XXXX and XXXX is blaming Truist. And as the consumer, I'm the one who has wasted XXXX hours today from my job dealing with this situation. I want a new mortgage company who can handle the volume of their business and provide appropriate customer service but I can't change because the new interest rate would be too high.

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 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding my auto loan account with Santander Consumer USA, account ending in XXXX. My credit report shows a late payment for XX/XX/year>. 

This late payment is inaccurate. At the time of payoff, I made all payments on time and, in fact, overpaid the loan balance. Santander later issued me a reimbursement check for the overpayment, confirming the loan was satisfied. Despite this, the account was reported as late in XX/XX/year>. 


This inaccurate reporting has damaged my credit and is preventing me from obtaining favorable financing. I respectfully request that the CFPB require Santander to correct or remove the XX/XX/year> late payment from my credit reports with XXXX XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Subject : PNC Bank Wrongfully Holding My Funds Beyond Promised Timeframe Possible UDAAP & Regulation CC Violation Complaint : On XX/XX/year>, I deposited a check for {$25000.00} into my PNC personal checking account. At the time of deposit, I was informed that the funds would be available within XXXX business days. 

As of [ XX/XX/XXXX ], the funds have still not been made available. This delay goes far beyond the stated timeframe, causing significant financial hardship. This is a potential violation of Regulation CC ( 12 CFR Part 229 ), which governs the availability of funds, as well as UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) under the Dodd-Frank Act. 
PNCs stated availability timeline was XXXX business days, but it has now been over [ insert number ] business days without release or a valid explanation. 
I was not provided with adequate notice or a valid reason for the extended hold. 
This delay has prevented me from accessing my own funds and completing financial obligations. 

This payment is for a landscaping project completed by me and XXXX other individuals. Both of them have already received their payments from the same payer without issues. I am the only person who has not been paid, solely due to PNCs extended hold. 

I have contacted PNC multiple times to resolve this matter, but I have not received a clear explanation or resolution. 

Why This May Be Unfair or Deceptive : Unfair : PNCs actions have caused significant harm that I could not reasonably avoid, and there is no benefit to consumers that outweighs this harm. 
Deceptive : PNC represented that funds would be available within XXXX business days, but failed to honor that timeline without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I went to send someone money on my cash app and there saying my account has been closed and you have to appeal it but i havent been on my account to violent the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NJ XXXX XX/XX/XXXX MACYS/CBNA XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Dispute for Late Payment on Account # XXXX Dear MACYS/CBNA, Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, I am writing to dispute the accuracy of a 90-day delinquency reported for my Account # XXXX, as shown in my XXXX  credit report ( dated XX/XX/XXXX ). The account, opened on XX/XX/XXXX and closed on XX/XX/XXXX with a high balance of {$710.00} and a credit limit of {$200.00}, indicates a delinquency in XX/XX/XXXX that I contest as inaccurate based on my payment records. 

I request the following to resolve this dispute : A complete payment history from XX/XX/XXXX to XX/XX/XXXX, including all dates and amounts paid, to address the reported delinquency in XX/XX/XXXX, XXXX XXXX, and XXXX XXXX, which contradicts my records of timely payments. 

Documentation detailing the circumstances of the reported delinquencies in XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, including any supporting evidence, as my records show no missed payments during this period. 

Copies of account statements or payment confirmations from XX/XX/XXXX to XX/XX/XXXX to substantiate the reported balance and payment status. 

This request is to ensure the accuracy of information furnished to credit bureaus. 

Please send the requested details to the address above or provide access via your customer service portal. Enclosed are copies of my identification for verification : XXXX of passport XXXX of XXXX car insurance policy showing my address Please contact me at XXXX if further information is required. I expect a response within 30 days, as mandated by the FCRA. 

Sincerely, BY : XXXX, Yeimy/Agent FOR : XXXX XXXX XXXX XXXX Enclosures : Copy of passport Copy of 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I received a letter dated XX/XX/year> from Capital One Quicksilver stating a had a past due balance. I have never had or have never requested a Capital One card. The card was opened in XXXX and within 2 months, this fraudulent person charged {$27000.00}. Capital One has opened a fraud investigation and told me to freeze my credit reports, which I did. They didn't give me any other information regarding the charges or where the card was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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 XXXX 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.

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 2025-08-29 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: CA

Complaint narrative:
The credit report doesnt show my actual financial commitment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TN

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV is furnishing false and misleading information about this account. They are reporting incorrect dates, balances, and claiming recent activity that never occurred. This is re-aging, which is illegal under the Fair Credit Reporting Act ( FCRA ). I have not made any recent payments on this account, yet they are reporting it as if I have, restarting the XXXX reporting period. I requested full validation of the debt, including the original creditor contract, complete payment history, and accurate reporting of dates, but they have not provided it. Instead, they continue to furnish unverifiable and inaccurate data to the credit bureaus, damaging my credit, causing financial harm, and preventing me from obtaining fair access to credit and housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TN

Complaint narrative:
Transunion has several entries on my credit report that are duplicates, these include : XXXX and XXXX XXXX XXXX XXXX sold this to midland but they are both still being reported. 
XXXX  and XXXX are showing duplicate entries. the correct entry shows that i never paid late to XXXX and the XXXX shows as charged off. These are duplicare entries and XXXX of them is incorrect. 
XXXX XXXX XXXX and XXXX XXXX XXXX are duplicates. XXXX XXXX sold this debt to XXXX XXXX XXXX and yet they are both still 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 non-monetary relief
Consumer complaint received 2025-08-29 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX BANK Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX BANK Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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