vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-26 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My spouse opened our Capital One Checking and Savings accounts several years back. When my spouse added my name to the checking and savings account as a signatory and beneficiary we were informed over the phone that my name had been added to both. On XX/XX/year> my spouse, XXXX XXXX XXXX, XXXX XXXX and then a week later the bank closed the Savings account so it therefore turns out that my name was not added to the savings account despite being told it had been as requested by my husband. 

As a result of this our joint savings went into probate as they were only in his name after all despite being told it was in both our names. 

Additionally, I have lost a calculated {$230.00} in interest income that would have been earned over the roughly 100 day period between when Capital One closed the account and when probate ends. 

This is not to mention all the monies I now have to pay in probate out of my savings that should of been avoided if the incompetent Capital One employee had added my name to my husband 's savings account when it should of. 

I have complained to the bank with Ref Case ID : XXXX to the XXXX. 

I do not have the account number as they have not provided it but it is in the name of XXXX XXXX XXXX when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-26 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: MS

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
In XX/XX/year>, I made a purchase from XXXX using XXXX as the payment service. The order was shipped via two carriers. 25 % by XXXX, 75 % via XXXX. The large portion was marked as delivered but was misdelivered to the wrong building. 

I live in a multi-building apartment complex where multiple buildings share the same apartment numbers. I specified my full and correct address, including building and apartment number, # XXXX, when placing the order. However, the XXXX delivery confirmation photo only shows my apartment number XXXX with no indication of the building, and they also failed to log or document which building the package was delivered to. It was not delivered to me. 

XXXX  refuses to acknowledge this delivery error due to the photo of the number XXXX, and XXXX refuses to resend or refund the items. XXXX also refused to reverse the charge, and I am now being sent to collections for a package I never received due to carrier negligence. 

This is a disputed debt, and I am not responsible for the delivery error made by XXXX. I have done everything possible to resolve this with all three parties, but XXXX has allowed the charge to stand and pushed it into collections. I have been a loyal customer of XXXX and have never made a late payment prior. I refuse to pay for items not received, and am frustrated that all three companies involved have not been able to help me. I will happily pay for any items I did receive should I still owe them after refunding the other items. Their record of my claim should show which items I marked as received. 

XXXX XXXX  tracking has expired or I would show the delivery picture, though XXXX should still have it on their end on my claim. I have attached everything I could still find below. 

I am requesting the CFPBs assistance in removing this charge and ensuring XXXX corrects their actions, stops collection efforts, and acknowledges the disputed nature of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} 19.9 % late fee rate for XXXX XXXX XXXX. 

I advised that I already paid the debt and am going to send them a copy of paid in full notice as of XX/XX/XXXX paid in full {$590.00} to the email that he provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I noticed that there are accounts on my credit report that I do not recognize and I tried getting clarification as to the validity of each account, when they were opened, proof of signature or contract but as of yet nothing has been provided. 

I am formally requesting, under my rights granted by Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) to have these accounts remove from my credit profile immediately, because the companies are not able to validate the claim that the accounts belong to 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 2025-06-26 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:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complet
e.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
Dear XXXX, I looked at my credit report and noticed you have reported The following accounts, addresses, inquiries, numbers, and names : XXXX XXXX XXXX, ACCOUNT # XXXX, OPENED : XX/XX/XXXX, BALANCE : {$1400.00}, DEPT OF ED/XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX, OPENED : XX/XX/XXXX, BALANCE : {$870.00}, DEPT OF ED/XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX, OPENED : XX/XX/XXXX, BALANCE : {$1400.00}, XXXX, ACCOUNT # XXXX, OPENED : XX/XX/XXXX, BALANCE : {$0.00}, Addresses : XXXX XXXX XXXX XXXXXXXX GA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquiries : XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX Names : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, According to 15 USC 1681b ( 2 ) and the FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove these : XXXX, ACCOUNT # XXXX, OPENED : XX/XX/XXXX, BALANCE : {$0.00}, XXXXXXXX XXXX XXXX, ACCOUNT # XXXX, OPENED : XX/XX/XXXX, BALANCE : {$1400.00}, DEPT OF ED/XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX, BALANCE : {$870.00}, DEPT OF ED/XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX, OPENED : XX/XX/XXXX, BALANCE : {$1400.00} Addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA, XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquiries : XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Phone Numbers : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 
Thanks

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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Portfolio Recovery Associates for attempting to collect on a debt that is currently under formal dispute via the Consumer Financial Protection Bureau ( CFPB ). 

This debt originated from a XXXX XXXX account which Portfolio Recovery Associates claims to have purchased. I never received proper notice of the debts sale, and I have not received any verification or supporting documentation to substantiate the legitimacy or balance of the alleged debt. 

Despite my active dispute filed on XX/XX/XXXX, Portfolio Recovery sent me a direct collection communication on XX/XX/XXXX, in clear violation of 15 U.S. Code 1692g ( b ) and 1692c ( c ) of the FDCPA. These statutes prohibit further collection activities until the debt is validated in writing.

I believe this account is being reported inaccurately, without my consent, and without proper verification. Therefore, I am requesting that : All collection activity by Portfolio Recovery Associates be ceased immediately, This account be permanently deleted from all credit reports as it is unverified, And the CFPB take appropriate action to investigate this potentially illegal conduct.

I have attached a copy of my credit report, along with a copy of the collection letter/email they sent during the dispute process. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries on my TransUnion credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and remove the following inquiries, as I did not authorize them : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX As required under the FCRA, only inquiries that are authorized by the consumer or related to a credit transaction initiated by the consumer may remain on a credit report. I am requesting written confirmation that these inquiries have been deleted or the basis upon which they are being retained.

Enclosed are a copy of my government-issued ID and proof of address to verify my identity.

Thank you for your attention to this matter. 

Sincerely, 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft resulting from a data breach, and several unauthorized accounts were opened using my personal information. I submitted a dispute and provided documents including a government-issued ID, proof of address, and an FTC Identity Theft Report. 

Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, I am requesting these accounts be blocked and deleted from my credit report within 4 business days. The accounts are : XXXXXXXX XXXX XXXX XXXXXXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX {$700.00} XXXX XXXX XXXXXXXX {$19000.00} Despite submitting this request to [ TransUnion/Equifax/XXXX  ] , these fraudulent accounts remain on my file, causing continued harm. I am asking the CFPB to investigate and ensure compliance with FCRA 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T bank have been stealing my monthly mortgage payments and saying we haven't paid them in a year. I have all my bank statements proving them wrong. They are charging late fees and threatening foreclosure. I can show you all the bank statements as well. They are being rude and evil and just calling me and my husband liars non stop. What do I do? I cant find any lawyers who deal with this, I've called 10 and none of them do this. I already contacted the XXXX  and haven't heard back. I also need to find a new company to deal with my mortgage payments but don't know where to start.

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 2025-06-26 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: FL

Complaint narrative:
My wife and I had a XXXX home equity loan, credit card, and checking account. We had an issue with the home equity loan and decided to switch banks. We closed the checking account and moved everything to another bank, but we left the credit card line open because XXXX of the XXXX employees at the local bank branch told us it would be better for our credit score if we keep it open. The credit card had automatic payments set up monthly to come out of our checking account, and it paid the full balance at the end of every month. We thought that we had transferred all of the automatic charges tied to that credit card to our new credit card but missed XXXX. A charge came in which we didn't know about. We had also moved to a new home during this time, and we didn't receive any email or mail correspondence from XXXX that our payment was late. XXXX later claimed that they sent written late notices to our old home address although we never received them. Nothing was sent by email. 

I received an update from XXXX XXXX which monitors our credit score. It showed that XXXX stated we had a 30 day late payment. I called XXXX and explained everything, but they refused to take the charge off since they were bitter we had already closed our accounts. I even wrote to them explaining everything and let them know that I am a teacher -- I begged them to help. We never missed a credit card payment with them ( XXXX XXXX XXXX ). Our excellent credit score was over XXXX points before the debacle with XXXX. This caused our credit number score to decrease over XXXX points because we had no other negative information on our credit report. 

XXXX refused to help and said that they were not responsible for the mail. They also refused to accept blame for their employee giving us bad advice in the local branch office.

Company response to consumer: Closed with non-monetary relief