vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Here are specific templates for the CFPB complaint form : " What Happened '' Section : On XX/XX/year>, my vehicle was totaled in an accident. The other driver 's insurance paid $ XXXX to my auto loan at XXXX XXXX XXXX XXXX  XXXX XX/XX/year>. XXXX initiated a GAP insurance claim on XX/XX/year>. 
I made my regular payment on XX/XX/year> while the XXXX claim was still processing. When GAP processing completed, there was a remaining balance of approximately {$6000.00} consisting of late fees, deferred payment interest, and modification fees from when I lost my job ( which I understand GAP doesn't cover ). 
The problem : XXXX reported a 30-day late payment to credit bureaus despite me making a payment during the GAP processing period. I attempted multiple times to contact their insurance department for clarification about my balance but received no response. No one could answer my questions about why I had a remaining balance after GAP processing.

This late payment mark is inaccurate because : 1 ) I made a payment while GAP was processing, 2 ) XXXX failed to communicate the remaining balance breakdown, XXXX ) I maintain multiple accounts with them in good standing ( HELOC, XXXX XXXXXXXX XXXX XXXX and XXXX ) I have never been 30 days late on any account with them. 
The inaccurate late payment caused my credit score to drop XXXX points, which is unfair given the circumstances and my payment history.

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 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc.
State: FL

Complaint narrative:
I noticed on XX/XX/year> that a collection account was added to my credit report for {$1600.00} by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX ). 

I attempted to call the number provided ( XXXX ) XXXX but was not able to speak to a person. 

My credit report says it's for a hospital bill. However, I have no information or ever received a bill for a hospital bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I had a settlement agreement with Citizens Bank. I called to confirm whether my payment had gone through and was told yes. Then I was called back and told it had not due to insufficient funds, and I was removed from the settlement. 

I was refused reinstatement on the same settlement, even though the issue was due to misinformation from the company. I was offered a new plan, which I initially refused. After further convincing, I agreed to return under the condition that Id pay the missed months at the end of the plan. 

I re-entered the settlement and scheduled all my payments, including one that was supposed to be withdrawn on XX/XX/2025. No payment was taken out. When I followed up, I was told it didnt go through because XX/XX/XXXX fell on a Saturday and should process later. I still have not seen the withdrawal. 

I also spoke to a representative who incorrectly told me I was no longer on the plan. After I got upset, he checked the notes and apologized, confirming I was still enrolled. This constant back-and-forth and misinformation is exhausting. 

Citizens Bank has repeatedly mishandled my case, given me false information, and failed to follow through on their end. I no longer want to work with them and am requesting that the remaining balance be forgiven due to the repeated damage and stress caused by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request reinvestigation of a fraudulent account XXXX reported by XXXX, which was originally opened on XX/XX/year>. Also I am writing to formally dispute and request reinvestigation of a fraudulent inquiries reported by XXXX XXXX XXXXXXXX 

The initial removal was based on a valid FTC Identity Theft Report submitted in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under FCRA 623 ( a ) ( 6 ), once a data furnisher is informed that an account resulted from identity theft, they are legally barred from reporting that account again unless they certify its accuracy and possess supporting documentation, such as a signed agreement or application. I did not authorize or open this account. 

If the furnisher has provided any documentation to support the reinsertion, I hereby request that the credit reporting agency furnish me with a complete copy of that evidence. If no such documentation exists, this reinsertion constitutes a violation of federal law. Therefore, I demand the immediate and permanent deletion of this account from my credit report. 

This letter also serves as a renewed dispute under the FCRA. I request that all appropriate actions be taken to ensure full compliance with federal law and that I receive written confirmation once the account has been 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 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
The car was sold for {$470.00} and written off as a loss to the company. I need the 1099C form sent to me for my tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection tradeline being reported by Convergent Outsourcing. This account is inaccurate, not properly validated, and is negatively affecting my credit file Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete this accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
I tend to keep my balance at XXXX, or either pay it to XXXX near the due date. At the time, I believed my account had a XXXX balance, and was unaware that a XXXX fee was charged to my account from them. As a result, I did not know I had to make a payment and I received a 30-day late payment due to it. When I called them to explain the situation, they told me that they removed the late fee and brought my account current, but I would need to call the credit bureaus to have the late payment removed. Upon speaking to the credit bureaus, I was told that the only way to get the late payment removed was for Truist Bank to do so. I have been going back and forward since to no avail. I then asked Truist Bank if they can provide me something in writing stating that they had removed the late charge but they can not.

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 2025-06-02 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/year> I filed a complaint with CFPB against Capital One Bank for not honoring a promotion that I signed up for with them. On XX/XX/year> they responded to the complaint and attached a document which included my Credit Score, making my personal information available for public view.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
After reviewing my credit report today to proceed with applying for a new car loan, I noticed that my credit scores had dropped by XXXX points or more with all three bureaus due to USAA converting my secured cards to non-secured cards and subsequently closing them. I have held these secured cards for over XXXX years. I did not want them converted. I reached out to them today XX/XX/year>, and was transferred XXXX times, I informed them that I had not received notifications about the conversion, no opportunity to formally apply based on my current credit status or disclosures about APR 's etc. They also set very low credit limits, and when I asked them why the limits were so low the representative said they could increase it with a hard credit pull, but yet they took it upon themselves to give set the limits low and reflect high usage rates which affects my debt-to-income ratios. They informed me of the APR when I contacted them, which is 24 % .I didn't have an APR on my secured cards, because I was using my own money, over the past few months I noticed they had started charging me interest for using my own money. When I opened the secured cards, I was told that it would be my option to convert to non-secured cards. I was blindsided yet again by this bank. This bank is purposely trying to put financial hardships on me, they are still reporting that I have claims on my homeowners insurance policy, which is still resulting in me not being able to acquire insurance with any other agency and has yet again raised my premiums.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
RE : Demand for Immediate Deletion XXXXXXXX XXXX XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern This is a formal dispute under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am demanding the permanent deletion of the XXXX XXXX XXXX  account you are reporting under number XXXX, allegedly tied to XXXX XXXX XXXX. 

I do not recognize this account. I do not recognize the account number the balance the status or any terms associated with it. I never received a written validation of this alleged debt and no such documentation has been produced in response to my previous dispute.

Under 15 USC 1692g XXXXXXXX XXXX XXXXXXXX is required to provide written notice of the alleged debt within five days of initial communication. That did not happen. They are further required to produce validation if the debt is disputed in writing which I have already done. No signed contract invoice or itemized record has ever been provided. Despite that Experian continues to report this account. 

This violates your obligations under FCRA section 611 which requires a reasonable reinvestigation within thirty days of receiving a dispute. Failing to confirm accuracy with original documentation yet continuing to report it shows noncompliance. 

This also violates FCRA section 623a1A which prohibits reporting information known or believed to be inaccurate. The account contains no contract no proof of liability no date of first delinquency no highest balance and no payment history. The terms are listed as one month on a XXXX XXXX XXXX XXXX  balance which is nonsensical and misleading. 

Section 623b further requires that after receiving a dispute XXXXXXXX XXXX XXXXXXXX must investigate review all records and either correct or remove the information if it can not be verified. They have failed to do this and you have failed to enforce that standard. 

Experian is responsible under FCRA section 607b to maintain procedures to ensure maximum possible accuracy in consumer files. Continuing to include this unverified and incomplete account violates that duty.

I am demanding immediate removal of this tradeline. If you can not verify it with complete documentation under 15 USC 1692g and the FCRA you are required to delete it.

If this issue is not resolved within thirty days I will escalate with the Consumer Financial Protection Bureau the Federal Trade Commission and the Attorney General of New Mexico. I also reserve the right to pursue damages under FCRA sections 616 and 617.

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 2025-06-02 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: IL

Complaint narrative:
I am writing to formally request the blocking of fraudulent information appearing on my Experian credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2.

I am a victim of identity theft, and the following item ( s ) on my credit report are a result of fraudulent activity and not authorized by me : [ Insert the name of the creditor and account numbers or partial numbers of the fraudulent accounts ] In accordance with the FCRA Section 605B, I am requesting that Experian block this information from appearing in my credit report within the required four business days. 

Attached are the following documents as required : A copy of a valid government-issued photo ID A copy of a utility bill, bank statement, or other proof of address A copy of the Identity Theft Report Filed with FTC A written statement describing the fraudulent information and affirming that I did not authorize the activity in question Please confirm receipt of this request and notify me in writing when the block has been applied. If you choose not to block the fraudulent items, you are required by law to provide me with a written explanation of your decision within five business days. 

Thank you for your prompt attention to this matter.

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 2025-06-02 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: OH

Complaint narrative:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me anxious.

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 2025-06-02 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: AZ

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Transunion, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency Transunion, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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