vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: AR

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-08 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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 deposited a check into my Truist personal account on XX/XX/year>. Truist placed an administrative hold on the funds and stated that it would not be released until XX/XX/year>. This is a XXXX delay ( XXXX business days ). Truist did not provide a written notice or explanation for the hold, nor specify any of the valid Regulation CC reasons ( such as large check, new account, or suspected fraud ).

Under Regulation CC ( 12 CFR 229.13 ) and the Expedited Funds Availability Act, the bank is required to ( XXXX ) provide written notice explaining the reason for any extended hold, and ( XXXX ) release funds within the time limits prescribed by law. Truists vague administrative hold appears to violate these rules and has caused me financial hardship because I can not access the money I deposited to pay bills and rent. 

What Im requesting : I am asking that Truist immediately review and release my held funds, provide written documentation of the reason for the hold, and reimburse me for any related fees or losses.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am in a dispute with aqua finance as they have cashed many negotiable instruments regarding this account. What they are reporting is not accurate and by federal law demand it be removed.

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 2025-10-08 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: CA

Complaint narrative:
I am in a dispute with aqua finance as they have cashed many negotiable instruments regarding this account. What they are reporting is not accurate and by federal law demand it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tenaglia & Hunt, P.AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt Collection Notice in Violation of Consumer Rights, Reference : XXXX Dear Tenaglia & Hunt, P.A. 

I am writing to dispute the validity of the debt collection notice I received from your agency dated XX/XX/year>. This letter serves as a formal complaint regarding what I believe are violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c, and other relevant consumer protection laws. 

Upon receiving your collection notice, I immediately reviewed the information provided, and I have identified several instances that I believe constitute violations of my rights as a consumer : 1. Lack of Validation Information : The collection notice I received did not include sufficient information to validate a debt with Tenaglia & Hunt, P.A. Specifically, it did not provide details regarding the original creditor, the nature of the debt, or the amount owed. Without this information, I am unable to verify the accuracy of the debt you are attempting to collect.

2. Failure to Provide Verification Period : The FDCPA grants consumers the right to request validation of a debt within 30 days of receiving a collection notice. Your notice did not include information on how to request verification of the debt or the timeframe within which I must do so, which is a direct violation of my rights under the law.

3. Misleading or Deceptive Language : The language used in your collection notice may be considered misleading or deceptive under the FDCPA. For example, We are trying to collect a debt that you owe XXXX XXXX XXXX XXXX 
I demand that you cease all collection activities related to this debt until you have provided the necessary validation information as required by law. Additionally, I request that you confirm in writing the receipt of this dispute letter and your intentions regarding further collection efforts. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or disclosing my personal information without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit Reporting Act. Federal law requires that consumer reporting agencies maintain the confidentiality, accuracy, and permissible use of consumer information. I did not authorize the release or distribution of my personal data to any third party. I am demanding an immediate investigation, cessation of all unauthorized disclosures, and confirmation of compliance with FCRA privacy and accuracy provisions.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or disclosing my personal information without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit Reporting Act. Federal law requires that consumer reporting agencies maintain the confidentiality, accuracy, and permissible use of consumer information. I did not authorize the release or distribution of my personal data to any third party. I am demanding an immediate investigation, cessation of all unauthorized disclosures, and confirmation of compliance with FCRA privacy and accuracy provisions.

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 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB Complaint # XXXX Regional Acceptance Corporation Filed by : XXXX XXXX XXXX XXXX : XX/XX/year> Category : Auto Loan / Repossession Misrepresentation, XXXX XXXX, Mishandling Summary of Complaint This is my fifth complaint regarding the ongoing mishandling of my reinstated vehicle by Regional Acceptance Corporation and its third-party contractors ( Loss Prevention and Lightning Recovery ). 

Despite paying the reinstatement on XX/XX/year>, and being told that my car was released on XX/XX/year>, I continue to be denied access to retrieve my vehicle. 

XXXX XXXX I did not speak with XXXX XXXX today. However, I am aware that XXXX XXXX submitted a document or communication to the CFPB regarding my complaint, but that submission was not completed in writing to me. 
The CFPB closed my complaint based on that incomplete or unwritten submission, and I have not received a full written response from Regional Acceptance Corporation. 

Representative XXXX stated that I was supposed to have called Loss XXXX first. 
I called Loss XXXX and spoke with them on multiple occasions, including with XXXX on XX/XX/year>, who confirmed that the vehicle had been transferred to the agent. 
I informed XXXX that I already contacted Loss Prevention and Lightning Recovery, yet I remain blocked from retrieving my car. 

Pattern of XXXX Regional Acceptance Corporation continues to deflect responsibility between its internal departments and contracted agents. 
CFPB closed a complaint based on an unfinished, unwritten, or misleading internal document from Regional Acceptance Corporation. 
The companys representatives provide contradictory instructions, causing unnecessary financial harm ( storage fees since XX/XX/year> ) and emotional 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain Financial charged off my loan and transferred it to a law firm for collection. My wages and bank account were levied beginning in XXXX, and payments were received, reducing the balance. However, OneMain Financial has not updated my credit report for over a year, leaving an inaccurate, inflated balance and charged-off status. Additionally, they accessed my credit report without my consent after the account was no longer active. Despite acknowledging payments, they continue to report false and incomplete information, which is a violation of the FCRA 604, 607, 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
XXXX XXXX charged off my loan and transferred it to a law firm for collection. My wages and bank account were levied beginning in XXXX, and payments were received, reducing the balance. However, XXXX XXXX has not updated my credit report for over a year, leaving an inaccurate, inflated balance and charged-off status. Additionally, they accessed my credit report without my consent after the account was no longer active. Despite acknowledging payments, they continue to report false and incomplete information, which is a violation of the FCRA 604, 607, 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: OH

Complaint narrative:
This is my second request to fix incorrect personal information being reported on my credit file. I already asked for these errors to be corrected, but they are still showing. The wrong information is confusing, misleading, and could hurt my credit. 
Here is my correct information : Name : XXXX XXXX XXXX XXXX. 
Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer : None The following items are wrong or outdated and need to be removed : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date updated XX/XX/XXXX XXXX. XXXX XXXX Date updated XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief