vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NC

Complaint narrative:
I called XXXX XXXX XXXX to make a payment towards the settlement that I made for XXXX XXXX XXXX. The first representative that I spoke with said that she specifically has called me multiple times to tell me that I have the month of XXXX and XXXX past due, and I never returned any of her calls. I asked her what number she called she gave my daughters phone number Not mine and she said that they never sent any return information but just called and left a voicemail I asked them why they did not send any return information. She did not answer. She said my contract has already expired and my account is charged off. I asked to speak with the manager and I recorded the call with the first representative and with the manager where I explained that the bank account belonged to my daughter, not mine and I dont have enough money to pay them so my daughter was paying and her checking account was close. Thats why their check bounced back and I didnt even know about the month of XXXX. I just called to make a payment for the month of XXXX right after that call within the next 24 hours. Ive received a letter saying that you are past due by XXXX they were trying to make it right because I pointed out the fact that I did not receive any type of communication whatsoever saying that my checks from my daughters account have bounced. I am filing this complaint because I am on Social Security. I agreed to pay a debt even though Im judgment proof and I do not have any type of income and I try to make a payment in good faith, but the XXXX XXXX XXXX in bad faith is trying to just discharge the account and disregard the payment that Ive already made for the past 6/7 months for XXXX and to start over so that they could charge me again as if I never paid them and I can not afford that so for the lack of proper communication and for the fact that I never waved my right to mail and physical documentation I need you guys to hold them accountable for charging off an account an account without giving me proper notice that it was bounced and I need my contract towards which Ive already paid XXXX  to be reinstated. This is unfair and Im XXXX percent sure that the representative that said that she called me personally was lying I did not have any messages from them, and my daughter did not have any voicemails whatsoever from them. I have recorded the whole conversation with the company as proof.

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 2025-08-03 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: PA

Complaint narrative:
Please investigate these accounts as they were obtain as a result of identity theft and from FRCA 605A states that it has to be blocked.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE UPDATE THIS ACCOUNT AND DELETE THE LATE PAYMENTS COMPLETELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I sent a VERIFIED NOTICE AND DEMAND to TransUnion, Experian, and Equifax disputing multiple false, outdated, and unauthorized tradelines. The dispute included a notarized affidavit under 28 U.S.C. 1746, proof of identity, and a formal demand for verification and the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). None of the bureaus responded within the required timeframe. They failed to provide the method of verification, and continue to report the disputed and unverifiable information in violation of FCRA 1681i, 1681b, 1681e ( b ), 1681n, and 1681o.

They did not conduct a lawful investigation and ignored a legally sufficient and verified dispute. This constitutes willful noncompliance, bad faith, and continued commercial injury. I am demanding the immediate deletion of the listed tradelines and full compliance with federal law.

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 2025-08-03 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:
I sent a VERIFIED NOTICE AND DEMAND to TransUnion, Experian, and Equifax disputing multiple false, outdated, and unauthorized tradelines. The dispute included a notarized affidavit under 28 U.S.C. 1746, proof of identity, and a formal demand for verification and the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). None of the bureaus responded within the required timeframe. They failed to provide the method of verification, and continue to report the disputed and unverifiable information in violation of FCRA 1681i, 1681b, 1681e ( b ), 1681n, and 1681o.

They did not conduct a lawful investigation and ignored a legally sufficient and verified dispute. This constitutes willful noncompliance, bad faith, and continued commercial injury. I am demanding the immediate deletion of the listed tradelines and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I initiated a {$120.00} ACH transfer from my U.S. bank checking account to my XXXX account. At the time, my account had over {$800.00}, and the transfer was confirmed by XXXX. I received an email from XXXX ( attached ) confirming that the transfer was initiated and would take XXXX business days to complete. 

However, the transfer was later declined by U.S. Bank because of insufficient funds. This is inaccurate. After initiating the transfer, my account balance showed XXXX XXXXXXXX, clearly indicating the funds were available. 

Ive spoken with multiple U.S. Bank representatives, and each has given me a different explanation XXXX claimed the decline was due to a {$500.00} instant transfer I made the next day, which is chronologically impossible. Another rep told me I only had {$5.00} in my account at the time of the transfer, which is false. 

I am a single mother of XXXX and a full-time student, and I urgently need that {$120.00} to purchase a {$50.00} car part and buy food for my children. Ive been in tears trying to resolve this and received no consistent or truthful explanation from U.S. Bank. I also received a XXXX refund, yet my balance remains at {$11.00}, with no documentation of how the {$120.00} was handled or returned. 

I am requesting that U.S. Bank investigate this issue, return the {$120.00}, and clearly explain what happened. This situation has caused me significant emotional and financial distress.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE UPDATE THIS ACCOUNT AND DELETE THE LATE PAYMENTS COMPLETELY!!!

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To XXXX XXXX Equifax XXXX Subject : Dispute Missing Auto Loan Account from Credit Report Dear Credit Bureau Representative, I am writing to formally dispute an inaccuracy on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). According to my records, an auto loan account with XXXX XXXX XXXX is not being reported on my credit file. 

The details of the account are as follows : Lender : XXXX XXXX Acceptance Account Number : XXXX Date Opened : XX/XX/XXXX Vehicle : XXXX XXXX XXXX Amount Financed : {$17000.00} Monthly Payment : {$390.00} This account was opened in good standing and should be reflected on my credit report. The absence of this account is causing my credit report to be incomplete and inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that all information on my credit file is complete and accurate. Please investigate this matter, contact the furnisher if necessary, and ensure that this auto loan is added to my credit report promptly. 

Enclosed is a copy of my documentation from XXXX XXXX XXXX verifying this account. Please correct this omission and send me an updated copy of my credit report once the investigation has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute the recent repossession of my vehicle and the subsequent impact on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 623 and 605, I request a detailed validation of the debt and the repossession process. Additionally, under the Revised Uniform Commercial Code ( UCC ) Section 9-610, I request a detailed account of the sale of the repossessed vehicle, including the date of sale, the sale price, and any remaining balance owed. Please provide this information within 7 to 14 days of receipt ofthis letter. Failure toprovide the requested documentation will result in the removal of the repossession from my credit report. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I called XXXX XXXX XXXX to make a payment towards the settlement that I made for Citi XXXX XX/XX/XXXX. The first representative that I spoke with said that she specifically has called me multiple times to tell me that I have the month of XXXX and XXXX past due, and I never returned any of her calls. I asked her what number she called she gave my daughters phone number Not mine and she said that they never sent any return information but just called and left a voicemail I asked them why they did not send any return information. She did not answer. She said my contract has already expired and my account is charged off. I asked to speak with the manager and I recorded the call with the first representative and with the manager where I explained that the bank account belonged to my daughter, not mine and I dont have enough money to pay them so my daughter was paying and her checking account was close. Thats why their check bounced back and I didnt even know about the month of XXXX. I just called to make a payment for the month of XXXX right after that call within the next 24 hours. Ive received a letter saying that you are past due by XXXX they were trying to make it right because I pointed out the fact that I did not receive any type of communication whatsoever saying that my checks from my daughters account have bounced. I am filing this complaint because I am on Social Security. I agreed to pay a debt even though Im judgment proof and I do not have any type of income and I try to make a payment in good faith, but the XXXX XXXX XXXX in bad faith is trying to just discharge the account and disregard the payment that Ive already made for the past 6/7 months for XXXX and to start over so that they could charge me again as if I never paid them and I can not afford that so for the lack of proper communication and for the fact that I never waved my right to mail and physical documentation I need you guys to hold them accountable for charging off an account an account without giving me proper notice that it was bounced and I need my contract towards which Ive already paid XX/XX/XXXXto be reinstated. This is unfair and Im XXXX percent sure that the representative that said that she called me personally was lying I did not have any messages from them, and my daughter did not have any voicemails whatsoever from them. I have recorded the whole conversation with the company as proof.

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 2025-08-03 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:
XXXX XXXX, XXXX, XXXXThis CFPB complain has been filed to request pursuant to FCRA XXXX ( 15 U.S.C.XXXX ) that you, the Transunion 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. This fraudulent inaccurate and false information consist of a personal credit card accounts opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ). XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). XXXX ON XX/XX/year> under the account number ( XXXX ). XXXX personal loans opened at XXXX XXXX on XXXX XXXX under the account number ( XXXX ). XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). XXXX XXXX on XXXX XXXX under account number ( XXXX ). XXXX XXXX XXXX on XXXX XXXX under account number ( XXXX ). These account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft criminal complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are 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 2025-08-04 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:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I am submitting a formal follow-up complaint concerning inaccurate and potentially unauthorized information appearing on my credit report. To date, I have not received proper validation of the alleged debt, and I have reason to believe the reported amount is incorrect. I am requesting a thorough investigation, and if the account can not be fully verified with complete documentation and clear proof of ownership, I respectfully request its immediate removal from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-08-03 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: VA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation