vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: Early Warning Services, LLC
State: DE

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
After mortgage was transferred lender paid fees were added but no can tell me who or when these fees e were paid then they are holding the hostage saying I can't pay on my principal unless I pay these fees that they can not explain

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Farm Bureau Finance Company
State: WA

Complaint narrative:
I financed an XXXX XXXX  for {$4700.00} and had insurance covering the loan for {$4800.00} with Idaho Farm Bureau Financial Services as the beneficiary. I had valid insurance coverage the entire term of the loan. They charged me an additional premium of {$360.00} for XXXX insurance to protect their interests. As soon as I got the letter informing me this I immediately paid the loan off and was promised a refund for the remaining years worth of insurance charged. They will not refund me the unapproved and unnecessary additional insurance premium charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My account was closed but no one could tell me why it abruptly closed.

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 2025-11-05 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: LA

Complaint narrative:
I am submitting this dispute statement for my credit report with TransUnion regarding the following charged-off accounts, inquiries, and late payments. I respectfully request that each account be reviewed for accuracy. If any of the information can not be verified according to the Fair Credit Reporting Act ( FCRA ), I request that it be removed from my credit report. 

Charged Off Accounts : ( There are no charged-off accounts listed for TransUnion ) Inquiries XXXX XXXX XXXX XXXX Date Open : XX/XX/year> Late Payment Accounts : XXXX XXXX - Account Number : 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 2025-11-05 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: IN

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-11-05 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: CO

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  continued to charge me for XXXX  months after I canceled with them and they expressed XXXX separate times each month that my membership had been canceled. I ended up having to file a complaint with my bank to stop the transactions from taking place, because they would not stop billing me after I canceled my membership. This was long past my membership contract which had ended a couple years earlier, and thereafter allowing me to cancel at any time. They have now turned me into collections for {$200.00}. This is negatively impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
XX/XX/XXXX Received notice of final determination of XXXX bank transactions. AMOUNT : {$14000.00}. I did not authorize or participate in these charges in any way. My card has at no time been out of my possession. ( The charge of {$1.00} on XX/XX/XXXX is indeed mine and I believe it was included in the statement of disputed items in error by my local branch ). I returned to my branch manager to report the findings of the investigation. I once again reported that in no way did I authorized these transactions. I have no knowledge of " XXXX  '' in XXXX, XXXX  or XXXX in XXXX XXXX XXXX Provisional credit was issued on XXXX additional transactions in the amount of {$1000.00} dated XX/XX/XXXX to XXXXXXXX XXXX XXXXXXXX XXXX. Why were XXXX deemed fraudulent & the remaining as if I approved them? These transactions were unauthorized by me. 
Per Branch Manager, XXXX XXXX 's report to me, the investigation has been reopened due to her insistence in proving my innocence & that my account has been compromised. I returned a missed call to Renasant XXXX, Dispute Department on XX/XX/XXXX and " XXXX '' answered the phone. I told her my name & that I was returning a missed call from her department and she abruptly hung up on me with no return call for an explanation for her unacceptable phone action. It definitely was done purposefully. I deserve answers in this case & to be informed of their progress before the 90 day investigation is completed. XXXX XXXX is assigned to my case. She has communicated with me by phoning me to verbally state to her, in addition to my report to my local branch manager, what happened, once again as my case was reopened. I have been informed that Renasant XXXX  does not believe my innocence and that I am guilty until proven innocent. As a consumer, I am asking that you investigate my case and stand up for my rights for a fair & impartial investigation & the provisional money be credited to my account & rightfully so.

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 monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I received a call from XXXX XXXX XXXX, I believe IQ Data Inc. After I asked to not be contacted again, the agent stated my birthday and SSN then said "We tried to do this your way, now we will do it our way. I recommend you do your Christmas shopping early and save the cardboard boxes because you will be needing them." Then hung upXXXX XXXX  took that as a XXXX. It was highly inappropriate and unprofessional.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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 formally disputing the following inquiries listed on my Equifax credit report, as I believe they were not authorized, or the documentation provided for such inquiries is inadequate. Please provide full verification of these inquiries and their lawful authorization. 

Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> If these inquiries were made in error or without proper authorization, I respectfully request their removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 609, which mandates the accuracy and verifiability of all information reported by credit bureaus. 

Late Payments XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX  days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the XXXX XXXX  ( XXXX  ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I request my account balances be sold to a XXXXparty debt-buyer so that I can respectfully negotiate any unpaid balances.

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 2025-11-05 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:
I am submitting this dispute to Experian regarding the following accounts, which I believe contain inaccurate information. 

Charged Off 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

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 2025-11-05 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to reflect the maximum possible accuracy. These errors are profoundly affecting me, causing significant XXXX  and negative impacts that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be an immense relief and blessing.

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 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute the following items listed on my credit report. I believe these accounts to be inaccurate or incomplete. I respectfully request that they be verified or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$110.00} Inquiries : ( Please list any inquiries reported under this section, as none are provided for Equifax. XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
VANILLA brand gift cards will not work on XXXX but they dont tell you that up front! I bought a {$100.00} XXXX card to use on XXXX but they instantly freeze up and are unusable! They have already sent a replacement which took days and it failed the same way. I bought it to use exclusivley on XXXX and cant! XXXX losing business, sales and my hard earned perfect buyer rating because they sell fraudulent cards This is an illegal practice! Just want my money back or to use card on XXXX immediately Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an incoming ACH from a savings account at another institution, the funds show available, and I am being denied a withdrawal against available funds. I was told these funds can be used through electronic means. Transactions, and the admitted use of funds can not be cherry-picked.

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 2025-11-05 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:
I am a verified victim of identity theft ( FTC Report # XXXX ). TransUnion was properly notified and provided all supporting documentation on XX/XX/year>, identifying fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite receiving full proof and notice under FCRA 605B, TransUnion failed to block these accounts within the required XXXX business days and continues to report false data. This is a willful violation of FCRA 605B, 611 ( a ), and 607 ( b ), as well as FACTA and the GLBA Safeguards Rule due to ongoing data breaches and negligent verification procedures. I have sent a Notice of Continued Violation and Demand for Immediate Deletion. I am requesting immediate deletion of the fraudulent items, permanent opt-out from unauthorized reporting, and CFPB enforcement for TransUnions ongoing noncompliance. 

Attached are the following documents supporting my claim and proving TransUnions continued noncompliance : My FTC Identity Theft Report ( # XXXX ) confirming that the listed accounts were created and reported without authorization. 
My original letter to TransUnion ( dated XX/XX/year> ) demanding removal and block under FCRA 605B. 
My Notice of Continued Violation & Demand for Immediate Deletion dated XX/XX/year> confirming TransUnions failure to comply within the required XXXX period. 

These documents collectively prove that TransUnion received full notice and evidence of identity theft, yet continues to publish and distribute my personal information to third parties without lawful authorization. This violates FCRA 605B, 611 ( a ) ( 5 ), 607 ( b ), and the GLBA Safeguards Rule. Immediate deletion, reinvestigation documentation, and regulatory enforcement are requested.

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 2025-11-05 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: SC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief