vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I am writing to update/correct my personal information on my credit report. 
Please update my name to XXXX XXXX XXXX. 
Please update my current address to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, California XXXX. 
My only and correct Date of Birth : XX/XX/year>. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other names and address ( es ) from my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA since they are inaccurate. 
I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
I received a phone call on XX/XX/XXXX from a man identified as XXXX XXXX from ( XXXX ) XXXX identifying himself as an employee of USAA Bank Fraud Division. He asked if I had noticed anything unusual in my checking account. I opened my account online and noticed deposits to my account that I had not made and had no knowledge of these deposits. There were two deposits. One for {$5000.00} and the other for {$4900.00} identified as " Funds Transfer CR '' .I told XXXX XXXX what I saw. He said He was going to send me a code to my phone so He would know that it was me He was talking with. The code was identified as originating from USAA Bank and I read it back to him. He acted satisfied. He told me there was fraud on my account and unless I followed His direction I would lose everything. He had me drive to XXXX XXXX, fill out a deposit slip for {$19000.00} and present it with my debit card. This transaction took place on XX/XX/XXXX. I waited a couple days and called USAA Bank to inquire when my funds would be returned. They knew nothing of this phone call warning me of fraud and they told me they didn't believe there was fraud involved. I have reported to the local ( XXXX ) Police, the FBI, The OCC, and the FTC but I have not received reimbursement for my loss..

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 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a balance transfer @ 0 % interest expiring XX/XX/XXXX. In XXXX I checked the balance : XXXX. So I began making large payments to my credit account. As all of my balances on this card are @ 0 % interest, I expected any overpayments 2 months before expiration of a special interest to go to this expiring balance, as the CARD ACT denotes. As you can see by the statements, not even one XXXX has been applied to this expiring interest rate during this time. 
I sold stocks and pulled from my savings to settle this balance in GOOD faith BEFORE expiration. I called Truist and I have spoken with 4 individuals who say that they can not allocate payments, it is done by a system. One associate did not even understand the word allocate. I explained that the system is obviously wrong and that this is in violation of a federal act. They simply do not care and act as if they have never heard of the CARD ACT and what it means for this situation. Now I have to borrow money from family to pay off the balance as I have exhausted my savings in paying off the balance that does not expire until XX/XX/XXXX. My time off to care for my aging father just got shorter as well for I will have to end my sabbatical over a month sooner. 
The disregard Truist has for its customers & the rules set forth by the federal government is unbelievable to me. Truist bank needs to be educated about the CARD ACT. This has ruined my meticulously set financial plan and interfered with the caregiving process my family has set up to care for my father. 
If I am wrong, please explain why. I have read Truists own literature as well as the CARD ACT and I feel like I understand how this works. Does the CARD ACT not apply when there is a government shutdown? Are banks allowed to ignore Acts and laws in order to become unjustly enriched from its customers?

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to update/correct my personal information on my credit report. 
Please update my name to XXXX XXXX XXXX. 
Please update my current address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. 
My only and correct Date of Birth : XX/XX/year>. 
I do not wish to have any telephone numbers on my report. 
Please remove all the other names and address ( es ) from my report, as they are not deliverable to me by the XXXX XXXX XXXX and they are not reportable as per the FCRA since they are inaccurate. 
I request that you respond to my dispute as stipulated by the Fair Credit Reporting Act ( FCRA ) after your complete investigation and inform me of the results within the legally required time frame. I am eager to ensure the accuracy of my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Equifax,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n1. Please update and remove these incorrect names from my credit report immediately. My correct\nname is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have 30 days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-07 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-07 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against JPMCB CARD a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
JPMCB CARD XXXXXXXX XXXX JPMCB CARD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I sent my friend {$310.00} through Venmo. She sent me {$310.00} back to me; and I transferred it over to my bank. I then saw my bank statement and it said that the {$310.00} was given back to me, but then shortly after, the {$310.00} was taken away from my account from Venmo leaving me with - {$310.00}. I called my bank 3 times and I have contacted Venmo several times. XXXX XXXX XXXX confirmed that they should be transferring the money to me in 3 business days and I still have not received it. Venmo agents also confirmed that I should be receiving the money after 5 business days, but it has not happened. After many times contacting Venmo, they had set up a dispute claim for me and then they have rejected it very nonchalantly and sent a very suspicious email. I have all the proof and attachments below. The bank and Venmo had reassured that I should be receiving my {$310.00} back in 2-5 business days and it has never happened so I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
Subject : Rhode Island XXXX to XXXX XXXX XXXX in Response to RESPA QWR Summary of Issue : On XX/XX/year>, Rhode Island XXXX ( RIHousing ) issued a response to my written Request for Information ( QWR ) under 12 C.F.R. 1024.36, originally submitted on XX/XX/year>. The QWR specifically sought all records concerning the {$17000.00} XXXX XXXX account ledgers, wire confirmations, disbursement instructions, compliance audit trails, and related agency reporting. 

Instead of providing the requested records, RIHousing asserted blanket objections under 12 C.F.R. 1024.36 ( f ) ( 1 ) ( ii ), claiming virtually all such records were " proprietary and confidential. '' This included refusal to provide basic account-level documentation ( such as wire transfer confirmations, disbursement ledgers, journal entries, and ARPA/agency reports XXXX, all of which are necessary to determine if the DPA funds were properly applied and disclose

d. RIHousing did not provide individualized explanations or conduct a reasonable investigation responsive to each information request.

Law/Regulation at Issue : Regulation X ( 12 C.F.R. 1024.36 ), specifically servicer obligations to make available servicing records and respond to borrower information requests regarding account application of payments and third-party funds.

Details and Impact : RIHousings response is noncompliant : Regulation X requires production of account-level, transactional, and compliance records used to answer a borrowers QWR, except for narrowly defined confidential/proprietary information.

Servicers broad objections fail to distinguish between allowable non-disclosure and required records.

The refusal undermines the ability to determine if public funds ( grant/ARPA ) were processed lawfully and if all program disclosures were proper.

This obstructive conduct stymies borrower review, accountability, and possible correction of errors or irregularities with the handling of the grant and mortgage account.

Requested Relief : Direct RIHousing to immediately produce all requested servicing, wire, and disbursement records, as required by federal law.

Conduct a regulatory review of RIHousings pattern of QWR response practices to determine if widespread noncompliance exists.

Impose corrective or enforcement measures if systemic RESPA violations are found.

Require a written explanation detailing the true application and accounting of public assistance funds on this account. 

Attachments : XX/XX/year> XXXX XXXX Response ( attached ) Original XX/XX/year> QWR ( available on request )

Company response to consumer: Closed with explanation