vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX was paid off XXXX  months ago, we have visited the Truist Bank location over a dozen times. They continue to give us the run around on where this document needs to come from. We just want the title to our truck!

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am contacting you in regard to several charged-off and collection accounts that are currently listed on my credit report. I am taking steps to rebuild my credit and resolve any legitimate debts, and I respectfully request your cooperation in doing so. 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to : Dispute inaccurate or outdated information Request validation of any collection accounts Be free from continued reporting of unverifiable items Receive confirmation of any changes made to my credit report XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXriginal creditor : XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX  XXXX  XXXX Original creditor : XXXX  XXXX {$300.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX {$250.00} XXXX Original creditor : XXXX XXXX XXXXXXXX {$160.00} XXXX  XXXX {$640.00} XXXX XXXX XXXX  XXXX {$590.00} XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXXXXXX {$0.00}

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 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-09-26 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2025-09-26 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: TX

Complaint narrative:
I am filing this dispute because my credit report contains accounts that are inaccurate, unauthorized, and inconsistent across the credit bureaus. I never opened or approved these accounts and was never informed of their addition. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy.

It also violates 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or removed within XXXX  days, as well as 15 U.S.C. 1681g, which requires that consumers receive accurate and complete disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 
I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to bring attention to fraudulent accounts that have been wrongfully included on my credit report. I have no association with these accounts and did not give consent for them to be opened or reported in my name. Their presence represents a serious breach of accuracy and fairness in my credit 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 2025-09-26 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: NC

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, a wire transfer of {$19000.00} was initiated from my Chase business account to what was later identified as a fraudulent XXXX XXXX account. On XX/XX/year>, an additional unauthorized ACH debit of {$18000.00} cleared to another fraudulent account. Both transactions were the result of a spoofing scam that misled me into sending funds to fraudulent beneficiaries. 

I immediately reported both incidents to Chase on XX/XX/year> by phone and through their fraud reporting process. Despite repeated follow-ups on XX/XX/XXXX and XX/XX/XXXX, I have not received a substantive response, investigation results, or reimbursement. Chase has only provided generalized and standard responses without addressing the specific information I requested, such as transaction trace numbers, beneficiary account details, or a written explanation of their fraud departments actions. 

Instead of meaningful updates, I have repeatedly received generic and mechanical replies that fail to demonstrate genuine investigation or customer support. As a long-standing customer, I find that Chase has not represented my interests nor taken adequate action on my behalf. This pattern of dismissive responses and lack of accountability has caused further delay and distress.

I am requesting that Chase conduct a full investigation, provide complete documentation of their findings, and reimburse the fraudulent amounts totaling {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Upstate Premier Mortgage, Inc.
State: NY

Complaint narrative:
In XXXX of 2023 i applied for a mortgage to buy a home and it was originally a XXXX k partial loan and it got dragged out until the end of XXXX and the mortgage company we were going through, upstate premium mortgage and the guys name is XXXX XXXX was telling me closing costs would be between XXXX then at XXXX the day before we were scheduled to finally close i got told it would be XXXX because they switched it to a full XXXX mortgage without my knowledge or consent. To tell you it was an absolute nightmare would be a severe understatement. Our HUD rep who was assigned to us, XXXX XXXX would tell us we could do something then when we did it said it was wrong and we'd have to redo it. Made us change things because as he put it " no one said we can't go above code '' for floor support posts so we had to buy the specific ones he wanted after we bought ones that met code. I ended up being given permission to fire him because he wouldn't respond to me to do a final inspection. I spoke to a former top judge in my county about it and he even said he thinks what was done was not right. I would like an investigation into this matter please because I truly believe I was deceived and XXXX was trying to make it so we couldn't afford and then when that didnt work make me default on the conditions and lose the house. I have all the text messages between XXXX and myself and XXXX. The mortgage was sold to XXXXXXXX XXXX and recently sold to XXXXXXXX XXXX  with a new loan number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX Ny XXXX XXXX M & T XXXX ny XXXX I disputed transaction that occurred at XXXX XXXX  which was incorrectly processed on my debt card ending in XXXX. Also card ending in ( XXXX ).. I attempted a split tender using my XXXX benefits and bank card.However, due to an error at the point of sale, my bank card was charged for the entire purchase without my authorization. I filed a dispute with your institution, and I initially receiver a provisional credit. Recently that credit was reversed. my account now shows a negative balance of {$660.00}. I was informed this was due to insufficient information. I respectfully demand that you please reinvestigate this transaction with the truest information I have told you. Restore the dispute funds to my account or explain, in writing, the legal basis for denying my claim. I have a deposit from social security to be cleared on XX/XX/year>. I request that my deposit not to removed or taken from my account.i ask that no money from my account due to again a transaction I did not make. Please consider this a formal request stop from taking from my deposits that are coming in from into my checking account.I wish to have the opportunity to provide additional documentation to support my claim. As well reinvestigate this transaction with the information and any, if possible recipient or camera video etc.under the EFTA .if I do not receive a satisfactory resolution within 10 days, I will escalate this by filing a complaint with the consumer Financial Protection Bureau ( CFPB ) and considering additional legal remedies. Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2025-09-26 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: GA

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 XXXX XXXX Date XXXX XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2022, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, as proof from the US 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