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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing continued reporting of an XXXX XXXX XXXX account related to an XXXX XXXX auto loan. XXXX own written response to my prior CFPB complaint states : Date of First Delinquency ( XXXX ) : XX/XX/XXXX XXXX purchased the account : XX/XX/XXXX On XX/XX/XXXX, XXXX submitted XXXX  requesting deletion of their tradeline with all CRAs ( they provided XXXX  ref. XXXX  XXXX XXXX and XXXX ). 

Despite the furnishers deletion request, your bureau still shows the XXXX tradeline. This is inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) and must be corrected under FCRA 611 ( a ). Please : XXXX. Delete the XXXX tradeline immediately and cease any future reporting of it, XXXX. Send me written confirmation and an updated copy of my credit file, and XXXX. Retain the original XXXX  of XX/XX/XXXX for any related original-creditor tradeline to prevent re-aging. 

I have attached : ( a ) XXXX CFPB response confirming the deletion order and XXXX  numbers, and ( b ) my current credit report pages showing the account still appears. 
Continued reporting after a furnishers deletion order is a willful failure to maintain accurate files under FCRA 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 2025-08-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The debt collect TSI Transworld Systems XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX De XXXX phone : XXXX ( XXXX ) XXXX calls repeatedly as early as XXXX and refuses to leave a voicemail. Additionally, they call from various numbers all with a XXXX prefix. On XX/XX/year> at XXXX I intercepted a call from ( XXXX ) XXXX. When I answered they indicated that they were TSI a debt collector trying to collect a debt. I then instructed them to cease and desist all further phone calls. 

On XX/XX/year> I received another call from TSI. I once again instructed them to cease and desist and asked to be transferred to a supervisor. I spoke to supervisor XXXX XXXX and instructed them to cease and desist and told them of my prior cease and desist.

After disconnecting the call a few minutes later I received another call from TSI.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This correspondence is a dispute regarding a fraudulent account listed under my credit profile. I never authorized or opened this account, and I have no connection to it. Its reporting is false and negatively impacting my creditworthiness.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts are fraudulent and do not belong to me. Please take action under USC 1681g and remove them within 15 days. Documentation is provided.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$77000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$28000.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tilt Finance, Inc.
State: NY

Complaint narrative:
Hello, I'm contacting you regarding a charge of {$210.00} that has been linked to my account. I want to state clearly that I do not recognize or authorize this charge, and I will not be accepting responsibility for it. 
This situation appears to be related to accounts that were opened without my knowledge or consentpotentially by my ex-boyfriend. I have taken the necessary steps to report the issue, close any affected accounts, and dispute other unauthorized activity. This specific charge was made without my approval, and I consider it fraudulent. 
Ive also contacted my bank to formally dispute the transaction on my end. Given the circumstances, I request that you cease any collection attempts related to this amount and confirm that no further action will be taken against me in connection with this account. 
Please let me know if any additional documentation is needed to support my claim. 
Thank you for your understanding and prompt attention to this matter. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today XXXX I had no access to my bank account funds or any activity. I could not log into through the app, computer, and through phone I could not get any information since no member was working

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 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 non-monetary relief
Consumer complaint received 2025-08-29 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding the unacceptable delay in receiving the vehicle title for my car after completing a refinance with Mountain America Credit Union at the end of XXXX. 

According to the bank, the title was to be released and mailed within six ( 6 ) weeks. As of today, more than 3 months have passed, and I still have not received the title. Despite multiple phone calls and an email inquiry, the bank has failed to provide a clear resolution or timeline. 

This delay has caused me financial harm and loss of income, as I can not register my vehicle with the XXXX without the title. I rely on this vehicle to work for delivery platforms and support my living expenses. The continued delay has directly affected my livelihood. 

Requested Action : 1.Immediate investigation into the delay by Mountain America Credit Union .

2.Enforcement to release the vehicle title or provide an official Lien Release Letter without further delay.

3.Compensation consideration for the financial hardship caused by the banks negligence.

I request that this complaint be recorded and investigated promptly. Please confirm receipt of this complaint and provide updates on any actions taken.

Sincerely,

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable reporting of a XXXX XXXX account on my TransUnion credit file. I am specifically requesting the Method of Verification pursuant to FCRA 611 ( a ) ( 7 ).

Account in Dispute : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasons for Dispute : 1. The account is being reported inconsistently across credit bureaus. TransUnion shows a balance owed of {$2900.00} and a Collection/Charge-Off status, while XXXX  shows a {$0.00} balance for the same account. Reporting different balances across credit bureaus is inaccurate and misleading.

2. TransUnion has marked this account as verified as of XX/XX/2025 without providing any documentation or explanation of how verification was completed. This is inadequate under FCRA 611 ( a ) ( 7 ).

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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 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 — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the presence of a fraudulent account on my credit report. I did not authorize or open this account, and its reporting is completely inaccurate. Its presence is harming my financial credibility and misrepresenting my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Debt collector is threatening to sue and garnish my wages. Im send a letter of Cease and Desist.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the account in question include XXXX XXXX  XXXX which the XXXX XXXX  confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the following unauthorized inquiries, which were made without my authorization and without a permissible purpose, in violation of FCRA 604 ( 15 U.S.C. 1681b ), and appear to be the result of a mixed file or mistaken identity : XXXX XXXX XXXX XXXX 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 and XXXX XXXX XXXX XXXX  XX/XX/XXXX. Under FCRA 604, a consumer reporting agency may furnish a credit report only for permissible purposes. I have never applied for credit, loans, or services with any of these companies, nor did I authorize them to access my credit report. These unauthorized inquiries have caused significant XXXX, confusion, and inconvenience. I have experienced repeated denials of credit, delays in applications, and have spent considerable time and effort attempting to identify the source of these errors. Despite disputing these inquiries multiple times and calling your bureau on several occasions, they remain on my credit report. Their continued presence is unlawful and directly harms my financial stability and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Loop of the XXXX # XXXX I asked Wells Fargo to close this claim. 
They did not. It remains open. 

Now, forced to escalate through the CFPB, it will circle backonce again to the putrid desk of the Executive Officea festering stronghold where XXXX and her confederates weave their web of complicity, cloaking collusion in the guise of protocol, while vital claims languish in wilful neglect. 

This complaint serves as a scathing condemnation of the rot XXXX and her cronies protect a fortress of failure and deliberate neglect. 

Close the claimif XXXX and her corrupt circus ever get off their seats.

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: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
In XX/XX/year>, I applied for the Chase XXXX XXXX ( XXXX ) credit card, with a sign-up offer of XXXX chase points after qualifying spend. I paid for the annual fee however never made a further charge on this card. 

In early XXXX I discovered that the Chase XXXX XXXX  ( XXXX ) card was a better fit for my spending and was interested in the XXXX + XXXX point sign up bonus. I understood that customers are only eligible for one XXXX sign-up bonus so I decided to visit a Chase branch to see what options were available. 

On XX/XX/XXXX I visited the XXXX XXXX Chase branch and sat down with XXXX XXXX. After several phone calls with the XXXX XXXX, XXXX informed me of the following : XXXX. It is NOT possible to hold both a XXXX and a XXXX card. 
XXXX. It is NOT possible to upgrade my existing XXXX card to the XXXX reward and receive the sign-up bonus. 
XXXX. The eligibility criteria for receiving a a XXXX sign-up bonus is the following : a. The customer can not currently hold a Sapphire card. 
b. The customer may not have previously received a XXXX sign-up bonus. 

With this information in hand, XXXX advised me to close my XXXX card ( thus satisfying XXXX ) and claimed that given that the sign-up bonus spend for the XXXX card was not met and points were not added to my account, I had already satisfied XXXX. 

I explicitly told XXXX that I did not wish to risk my XXXX XXXX bonus unless we were confident I would be eligible for the XXXX XXXX points. He clarified that so long as I met XXXX and XXXX and I get approved for the card, I would get the bonus. Following his lead, I allowed XXXX to close my XXXX card and we submitted an application for the XXXX together. My application was sent for further review and XXXX days later I received a letter that my application was denied based on the fact that I had already received a Sapphire sign up bonus. 

Now, after following the advice of XXXX, I am left with neither the XXXX card nor the XXXX card and I am ineligible for XXXX sign up bonuses for XXXX  years. I feel left astray and would not have made these decisions if the consequences were known and communicated to me.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} Account Name XXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$3000.00} Account Name : XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$1700.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A company deposited a check as funds for a start up company. The bank has the funds on hold because they need to verify the owner of the check with a registered phone number that they have to verify with a verification system that they have. The owner of the check is also the registered agent of his company. He has a phone number registered but is not coming up in Chases system.

Company response to consumer: Closed with explanation