vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I opened a new Truist account in Virginia, depositing {$20000.00} into my checking account ( student refund funds ) and {$890.00} into my savings account. Within XXXX hours, Truist closed my account without warning, leaving me with no access to my funds. When I contacted the bank, I was told to wait XXXX business days. 
I was advised on XX/XX/year> that I was cleared to pick up my funds from them at the nearest branch. The closest location was in XXXX, New Jersey ( XXXX XXXX XXXX. ). On XX/XX/year>, at approximately XXXX XXXX, I arrived at that branch after driving nearly XXXX hours across XXXX states from Massachusetts. I provided identification, and the branch leader confirmed with the fraud department that I was cleared, however, he kept me in the branch for nearly XXXX hours and then told me to return the next day. During this time, he sent his staff home, refused to call the Truist Security Department despite our request, and ultimately shut down the branch 's machines, demanding that I leave the branch. Because of his refusal, I contacted Truist and they filed an internal complaint. Despite this, my funds are still being withheld. I requested to have my funds mailed to me due to what I felt was racism at the branch I went to. I was later told the funds were to have to be mailed and would have to go into a branch, again, to pick them up. I called a branch before leaving to ensure I would be able to receive my funds and was told I can not pick up my funds in person. 
After speaking with another teammate I was told my account is back under investigation as of XX/XX/year> through their fraud department despite originally being cleared after Truist verified with my college the check that was deposited was mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I received an " Account Notification '' in the mail from Credit Ninja dated XX/XX/year> stating that my loan XXXX is currently {$230.00} past due. I did not open this loan and know nothing about it. I called them and they told me a loan was open in my name on XX/XX/year> and they transferred me to there fraud department. Their fraud department sent me an email with a link to their affidavit creating web page. I followed the steps on their affidavit system and received a police report and gathered the supporting documents they requested. Once I reached the end of the system prior to final submittal they stated that I must agree to their T 's and C 's to continue or request a paper copy of the affidavit form to mail in. Their T 's and C 's included things about agreeing to allow things to be settled by an arbitrator of their choosing and other things to limit my rights. So I called and asked for the written form. They told me they would send me the form but that it would take XXXX days to process. I said, OK, send me the form. The next day I received an email stating that they performed an investigation, and that I would be liable for the loan and that they would be turning me into the credit agencies to impact my stellar credit rating. This is where it stands right now. I'm waiting to receive their form in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Ongoing Harassment and Reassignment of Disputed Debt IONOS / TrueAccord I previously filed CFPB complaint # XXXX against XXXX & XXXX XXXX  XXXX for continued billing and collection attempts after I canceled all services. That case was closed after the debt collector XXXX XXXX XXXX confirmed the account was in restricted status and then returned it to XXXX. 
I have now received a new collection letter from TrueAccord, attempting to collect a different amount for the same XXXX account ( # XXXX ). This appears to be a repeat collection attempt for a disputed and unvalidated debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your continued assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CBC Companies, Inc.
State: MA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am disputing the following accounts reported by Equifax that I believe contain inaccurate information or outdated details. 

Charged Off Accounts XXXX  XXXX XXXX - XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: CO

Complaint narrative:
I was contacted via phone by Oxygen XL, a debt collection agency, about a debt I was not aware of, as I had not conducted business for an extended period of time and was a victim of identity fraud through XXXX  XXXX XXXX. I stated that I was not aware of any debt and was leery of it being a scam, as I did not receive any correspondence from this company prior to the conversation. This debt was not accrued by me nor anyone of close proximity that has my personal information. 

After this brief conversation, I review my credit report and find that this debt was placed on my report. Again, I received no correspondence from the collection agency nor the company that has stated I owed the debt ( XXXX ). I know that this debt was not accumulated by me, and I was not notified about the debt when it accrued from the originator, nor was I made aware by the creditor in a communication method that was verifiable at any point other than a phone call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX  I had attempted to login online to my account to make a payment. My login credentials said that there was no account associated. I called the company they said there was no longer a email or phone number associated with the account thats why I wouldnt be able to login. Company proceeded to take a one time payment over the phone, and then stated to send the following documents I have attached below in order for account to reopened so I can have access to credit line and payments. I emailed company and was told by agent on the phone to wait 2-4 hours so account could be reinstated. I called again when I tried logging in and account was still not found and said customer not found. This time the agent I spoke to asked for the same documents and stated it would take a week and to please include my driver license in email to verify account. Again a email was sent and a week went back. XXXX comes around and I called again before my payment would be due, another rep answered said no emails had been received, I verified email with all reps and they stated it was XXXX. The last representative I had spoke to stated that my account was restricted due to receiving a call from XXXX ( which I am enrolled in however that credit line account is not in my plan ) advised the agent that I was not informed of that call as all prior payments were made in a timely manner and advised again that my credit line account was not involved with that company as that company is for credit card debt. She stated that was okay as she can see my prior payoffs and on time payments and would get my account situated in a couple of day. Again proceeded to a take a one time payment over the phone. I followed up again a week later and still no documentation was received as per agent and online access still restricted and auto debts were discontinued by company. Since last engagement in XXXX company has failed to send me any correspondence over my account nor contact me via phone number or email. I was willing to continue paying as I had no issues in the past with the company however lack of responsibility on company ends and lack of communication left a bad taste in my mouth with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called 3 times trying to get a copy of my vehicle contract for my records. On the first attempt I called on Wednesday XX/XX/2025. I spoke with XXXX ( Employee ID : XXXX  ) she said it would be mailed out in XXXX business days ( Nothing ever came ). The XXXX attempt was Friday XX/XX/2025. I spoke with XXXX ( Employee ID : XXXX ) he says the same thing ( would be mailed out in XXXX business days ) nothing ever came. XXXX also stated that I can go to any branch and request the auto loan contract ; I get there and they stated that they do no such thing. Also stated that I can not send letter or email to request auto loan contract. The Third attempt was on Thursday XX/XX/2025. I spoke with XXXX XXXX ( she stated she has no XXXX ID ). XXXX says there are no notes from the previous XXXX calls I made in XXXX ( XXXX  ) and says the last documented call on my account is from XX/XX/2025. XXXX also stated there is no option to mail request for auto loan contract ( or email ). The lender is Bank of America and my account number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: DC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Some of this company have reported the same thing multiple times, some are XXXX XXXX XXXX and most of them are already closed and charged off. I need them to be deleted of my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Recently I checked my TransUnion credit report and see few inaccurate reports in my record and as a formal notice of violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following accounts have violated my rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have been reported or verified inaccurately, and as such, are in direct violation of the FCRA.

According to 15 U.S.C. 1681e ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), If after any reinvestigation the disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the results. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These statutes clearly outline your responsibility to ensure the accuracy, privacy, and integrity of all consumer information you report or furnish. Failure to comply with these laws constitutes a violation of my federal 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 non-monetary relief
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CREDIT ACCEPTANCE CORPORATION
State: IA

Complaint narrative:
CFPB Complaint Text Auto Loan / Dealer Misrepresentation Category : Auto loan or lease Company : Credit Acceptance Corporation What happened? 

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ). I traded in my XXXX XXXX as part of a price reduction agreement, and the dealer told me that my loan through Credit Acceptance would be approximately {$5100.00} after applying the trade-in value. The total vehicle price was {$6600.00}. 

However, when I later checked my XXXX credit report, I discovered my loan balance is {$13000.00}, much higher than promised. 

I also paid {$2000.00} for a vehicle warranty and {$1500.00} for insurance that the dealer did not explain to me. In addition, while my XXXX XXXX  was taken as a trade-in or price reduction, the dealership did not report this to Credit Acceptance , and I only learned the full details and conditions of the financing when I contacted Credit Acceptance. 

The contract I signed does not match what was shown to me on the computer screen at the time of sale, and key terms, fees, and trade-in information were not disclosed, which I believe is misrepresentation and deceptive practices. 

I am requesting a formal investigation, correction of my loan balance, and guidance on returning the vehicle and canceling the contract, since the contract was not completed in good faith.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX -- XXXX accounts JEFFERSON CAPITAL SYSTEMS Re : Request for Debt Validation and Deletion Pursuant to 15 U.S.C. 1692g Dear XXXX XXXX XXXX jefferson capital systems To Whom It May Concern ], I am writing in response to an item appearing on my credit report from your company, identified as [ Account Name/Number ] and allegedly owed to [ Original Creditor ]. I am requesting full validation of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Under this law, I have the right to request verification of the alleged debt, including but not limited to : The name and address of the original creditor ; The amount of the debt, including an itemized accounting of fees, interest, and payments ; Proof that you are legally authorized to collect on this account in my state ; and Documentation bearing my signature or other evidence establishing my responsibility for the alleged debt. 

Until such validation is provided, you must cease all collection activity and may not report, or must remove any existing reporting, of this account from my credit files with any consumer reporting agencies, as continuing to report unverifiable information violates the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

If you are unable to validate this debt, I request immediate deletion of any related information from my credit reports with XXXX XXXX XXXX XXXX 

Please send your response to the address listed above. I request all communication in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief