vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around XX/XX/year>, I contacted Capital One to dispute multiple charges from XXXX, a platform I attempted to use but never successfully accessed. The interface froze and failed to provide confirmation, which caused several repeated charges without my knowledge. 

I was charged the following amounts : {$27.00} ( twice ) {$37.00} ( twice ) {$97.00} {$17.00} These were refunded by Capital One on XX/XX/XXXX, reflected as Purchase Adjustment. However, on XX/XX/XXXX, some of the same charges ( {$97.00} and {$17.00} twice ) were reapplied to my account without explanation. Then on XX/XX/XXXX, XXXX new charges of {$64.00} each appeared as adjustments, which do not match any known transaction or service I authorized. 

I requested clarification from Capital One regarding : Why the refunded charges were reapplied. 

What the {$64.00} adjustments represent. 

Why I'm being charged interest on amounts I previously disputed. 

I received no written explanation from the company and have not been able to communicate with XXXX  either. I am now concerned that these charges are being allowed to accumulate interest unjustly. 

I respectfully request that these charges be reversed, and that a written explanation be provided to me as the account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My husband and I own a condominium in XXXX XXXX, NC. Truist is the mortgagee on our mortgage. Every year they request information about flood insurance coverage and every year we submit this information on Truist 's " my coverage '' page. Every year, Truist rejects our submission, stating in vague terms that we need to " ensure the policy is for the period in question. '' Our submission is always for the current period. Despite providing a phone number, there is no way to speak with a living human being at Truist to resolve the issue. For the past XXXX years, we have filed a complaint with the Consumer Financial Protection Bureau and thereafter Truist has always determined that our submitted policy information was, in fact, for the current period and accepted our original submission. 
In XXXX of this year ( XX/XX/XXXX ) I submitted a complaint concerning Truist 's refusal to accept our flood insurance information, Complaint XXXX. As in the past, once the complaint was filed, Truist decided to accept our proffered flood insurance policy. 
This year, there is a twist. After we filed our complaint concerening the flood insurance policy, Truist requested information on wind damage coverage. We submitted the current policy on wind damage coverage, but ( no surprise ) Truist sent it's standard email stating that it was " unable to proceed '' and that we needed to " review the policy and ensure it is for the period in question. '' This has to stop. The policy submitted is indeed for the current period, running from XX/XX/XXXX to XX/XX/XXXX. 
It is unclear whether anyone at Truist actually reviews the submitted policy, since every time I submit our insurance policy it is for the current period and every time Truist initially rejects my submission and hints that the policy does not cover the relevant time period. This is followed by a threat to impose Truist 's own insurance. This year Truist has already done this once, and then, after I filed a complaint, accepted the flood policy. This year, however, Truist has added a second act and now is riding the same merry-go-round on our submitteed wind damage insurance coverage. This madness HAS to stop. 
I am attaching XXXX documents from the condo association 's insurance company with the relevant information, proving that the wind damage coverage is for the current period, as well as an email from Truist stating that it was " unable to proceed '' with its review of the policy documents. I am hoping and praying there will not be a third round of this ridiculous, time-wasting process.

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 2025-06-30 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-06-30 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:
Since the legal age of XXXX, I have been closely monitoring my given credit report. Ill educated on what a credit report was until today. XXXX, XXXX XXXX, and Equifax have falsified their identities to me. These entities have claimed to be part of the government when they are not. Ive exercised my rights and my rights have been stripped away from me by these companies, who have been corporately gang stalking me all of my life. Retrieving information without my consent. Coercing me into contract because I was not educated on what I was signing or provided the information and details. I am requesting a full sweep, investigation, and full control over my report. They have not even properly reached out to my neighbors or people that actually know me to find out if things are accurate on the report that they have. They have reached out to corporations and companies who have never spoke to anyone that I know which is a violation of my title 15 US code rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since the legal age of XXXX, I have been closely monitoring my given credit report. Ill educated on what a credit report was until today. Experian, Trans Union, and Equifax have falsified their identities to me. These entities have claimed to be part of the government when they are not. Ive exercised my rights and my rights have been stripped away from me by these companies, who have been corporately gang stalking me all of my life. Retrieving information without my consent. Coercing me into contract because I was not educated on what I was signing or provided the information and details. I am requesting a full sweep, investigation, and full control over my report. They have not even properly reached out to my neighbors or people that actually know me to find out if things are accurate on the report that they have. They have reached out to corporations and companies who have never spoke to anyone that I know which is a violation of my title 15 US code rights

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 2025-06-30 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: MI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXXXXXX : {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} Open Date XX/XX/XXXX Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau RE : Formal Complaint Nissan Motor Acceptance Co. and XXXX XXXX XXXX Violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB Reviewer, I am filing this complaint to report serious violations committed by * * Nissan Motor Acceptance Company * * and * * XXXX XXXX XXXX * * regarding the same alleged debt appearing on my * * Equifax credit report * *.

Nissan Motor Acceptance Co. is reporting a * * closed account * *, which corresponds to a debt they either sold, charged off, or transferred. Simultaneously, * * XXXX XXXX XXXX * * a third-party debt buyer is reporting a * * new collection account * * for the same amount. This proves the debt was sold or transferred, yet * * I never received notice, never authorized the sale, and never consented to XXXX furnishing or collecting this information. * * This dual reporting creates * * confusion, duplication, and damage * * to my credit profile and violates multiple federal laws : Violations : 1. * * FCRA ( 15 U.S. Code 1681s-2 ( b ) ) * * Furnishers must report accurate and verifiable information. Nissan can no longer verify a debt they sold or no longer own. Their continued reporting is incomplete and misleading.

2. * * FDCPA ( 15 U.S. Code 1692g ( b ) ) * * Debt collectors must cease collection and provide full validation upon dispute. XXXX XXXX has provided * * no validation * *, contract, or chain of assignment yet is reporting and possibly attempting to collect.

3. * * Unfair double reporting * * The * * same debt * * is now listed twice under two different companies, inflating my liability, damaging my credit, and violating the spirit of the FCRAs accuracy requirements.

Facts : - I have * * no active account with Nissan Acceptance * *, and their tradeline should have been removed upon sale or charge-off of the account. 
- I have * * never agreed to do business with XXXX XXXX * *, have received * * no written notice or validation * *, and dispute their right to report this debt. 
- This is an * * unverifiable, unauthorized, and inaccurate duplicate representation * * of the same obligation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/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 2025-06-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this is not a third party filing this complaint. I have attached documentation for your review in regards to those inaccuracies being reported on my report. These reportings are tarnishing my financial reputation and its not fair. Please remove it immediately.

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 2025-06-30 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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:
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 2025-06-30 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 am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-06-30 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-30 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief