vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-09 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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 2025-08-09 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: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX EXPERIAN XXXX XXXX  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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, my Truist Fundamental Checking account showed a positive posted balance of {$330.00} during the entire day. I monitored my account and at no time did my available balance show negative. 

When I went to sleep last night, my account still showed a positive balance. Overnight, Truist processed transactions in a way that retroactively changed my balance and artificially created a negative balance. As a result, I woke up to find they had charged me a {$36.00} overdraft fee. 

The transactions that supposedly caused the overdraft were already pending and reflected in my available balance during the day. This means I had no warning and no chance to prevent the fee. Even after Truist applied the overdraft fee, my account still showed funds remaining proof that there was always a positive balance and no real shortage of funds. 

When I opened this account, I was told as part of Truists marketing that I would not be charged overdraft fees. This was one of the main selling points used to get customers like me to sign up. Now, Truist tells me I would need to open a different account to avoid overdraft fees and I have no guarantee they wont change those terms in the future. If the no-overdraft policy was only in fine print or subject to later changes, that was never made clear at the time of account opening. 

I did not opt into overdraft services for debit card transactions, and my understanding based on what I was told was that purchases that would overdraw the account would be declined, not approved and then penalized later. 

This practice is deceptive : it uses promises of no overdraft fees to attract customers, then changes or manipulates terms and processes transactions in a way that creates overdrafts after the fact. I believe this is an unfair, deceptive, or abusive act or practice ( UDAAP ) in violation of consumer protection standards.

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 2025-08-09 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: LA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: AZ

Complaint narrative:
EXPERIAN REINSERTED A FRAUDULENT ACCOUNT ON TO MY CREDIT REPORT WHICH DOES NOT BELONG TO ME AND HAVE MARKED IT AS " VERIFIED '' THEY ARE CONDUCTING SHAM INVESTIGATIONS AND ARE VIOLATING MY 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 2025-08-09 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-11 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: IL

Complaint narrative:
Im asking for your assistance in taking off unauthorized accounts from my credit report. I didnt open them and was never advised they existed. Under USC 1681g, please remove them in 15 days. Relevant documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
Complaint Type : Auto Loan Predatory Lending / Unreasonable Terms Company Name : Prestige Financial Services , Inc. 

Related Company : XXXX XXXX ( dealership ) What happened : In XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX for approximately {$36000.00}. The financing was provided through Prestige Financial Services at terms of {$950.00} per month for XXXX months. 

At the time of purchase, I had challenged credit and was targeted by XXXX XXXX with aggressive promotional offers such as no money down and no payments for 45 days. They did not clearly disclose the true market value of the vehicle, the full cost of the loan, the total interest to be paid, or how depreciation would affect equity. The dealership also arranged transportation to bring me in, creating urgency and excitement, which discouraged careful review of the contract. 

The current market value of the vehicle is roughly {$15000.00}. After XXXX years of on-time payments ( most on the autopay date and never more than 14 days late ), I still owe nearly the same amount as the original loan. Almost all payments have gone toward interest rather than principal, making it nearly impossible to gain equity in the vehicle. 

Why this is a problem : 1. The loans interest rate and terms are excessive and unreasonable.

2. Prestige Financial Services appears to partner with dealerships that inflate vehicle prices far above fair market value.

3. Loan structures leave consumers trapped in negative equity for most of the loan term.

4. Consumers in urgent need of transportation, especially with lower credit scores, are targeted with misleading offers.

5. These practices may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal and state law.

What I want done : I request that the CFPB investigate Prestige Financial Services and its partnerships with dealerships such as XXXX XXXX for potential predatory lending and unfair/deceptive practices. If violations are found, I request enforcement action, consumer restitution, and stronger disclosure requirements for future customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXXXXXX XXXX Collection/Charge-Off Account Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate and conflicting information reported on my Experian credit report concerning an XXXXXXXX XXXX account currently reported in collection/charge-off status. The account reflects inconsistent last payment dates : The account shows a last payment date of XX/XX/XXXX. 
However, the payment history visual chart reflects a last payment date of XX/XX/XXXX. 

This discrepancy indicates that the reported information is inaccurate and incomplete, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Furthermore, 15 U.S.C. 1681i ( a ) requires Experian to conduct a reasonable reinvestigation upon notice of a dispute and promptly correct or delete any inaccurate or unverifiable information. 

Relevant case law supports my dispute : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held furnishers liable for reporting inaccurate information and emphasized their duty to ensure accuracy. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX ), the court stated that credit reporting agencies must conduct meaningful reinvestigations when disputes arise. 
In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), failure to correct inaccurate credit information was deemed a willful violation of the FCRA. 

Demand for Action : XXXX. Conduct a thorough reinvestigation of this XXXXXXXX XXXX account, with special attention to verifying the correct last payment date. 
XXXX. Correct the conflicting payment date information to accurately reflect verified data. 
XXXX. Provide me with the documentation or method used to verify the last payment date. 
XXXX. Provide an updated credit report reflecting all corrections. 

Failure to comply with the FCRA may compel me to seek all available legal remedies, including complaints with the Consumer Financial Protection Bureau and claims for damages under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days as required by law. 

Sincerely, 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 2025-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have no knowledge of these inquiries on my credit report. It has damaged my credit and it's not fair that I have to deal with that. I can't get approved for certain credit cards or loans because of these hard inquiries that makes my credit look as if it's delinquent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have no knowledge of these inquiries on my credit report. It has damaged my credit and it's not fair that I have to deal with that. I can't get approved for certain credit cards or loans because of these hard inquiries that makes my credit look as if it's delinquent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: IN

Complaint narrative:
I refinanced my mortgage with XXXX XXXX on XX/XX/XXXX. It was an interest rate reduction streamline refinance. I notified XXXX XXXX that my home was previously part of an estate and had been split. I have not received a tax bill in the year that I have lived here. I informed them that my escrow was being overcharged by the previous mortgage servicer. I was told that if I had paperwork from my county to prove that, I could request an escrow analysis be done. I sent the tax paperwork from XXXX XXXX on XX/XX/XXXX. I never heard back from XXXXXXXX XXXX. I requested an escrow analysis be done on XX/XX/XXXX. I was told I had to wait until XX/XX/XXXX for the analysis to be done. I contacted XXXXXXXX XXXX  again on XX/XX/XXXX and was told I had to wait until May of 2026 for an escrow analysis and that my paperwork from my tax county was invalid because it was not a tax bill. I requested to speak with a supervisor on XX/XX/XXXX and have not heard from anyone since XX/XX/XXXX. They have lied and come up with different answers every time I have submitted a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute and Debt Validation Request for XXXXXXXX XXXX  Account Balance {$800.00} Account Open Since XX/XX/XXXX To Whom It May Concern : I am writing to dispute the accuracy of the XXXXXXXX XXXX account reported on my TransUnion credit report, showing a balance of {$800.00}. The account status is conflicting it is listed as open yet also noted as charged off, with an account open date of XX/XX/XXXX. Furthermore, the original creditor is not disclosed, which raises concerns about the accuracy and completeness of the reporting.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information on my credit report. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must report accurate information and correct any inaccuracies. 

In conjunction with this dispute, I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of the alleged debt. 

Please provide the following : 1. The name and address of the original creditor.

2. Documentation verifying my liability for this debt, including the original contract or agreement.

3. A detailed statement of the balance of {$800.00}, showing any fees, interest, or charges.

4. Clarification and verification of the account status, specifically whether the account is open or charged off. 
5. Proof of authorization for XXXX XXXX to report and/or collect this debt. 

If you can not verify this information, please remove this account and all related negative information from my credit report immediately. 

Failure to comply with these requirements violates the FCRA and may result in legal action under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days of receiving this letter. 

Sincerely, 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 2025-08-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I C system continue to put wrong information on my credit report. I dispute XXXX here and they responded with nonsense that it was recalled by original creditor. Which mean they did not verify and validate the debt under FCRA and FDCPA. I.C System saw that I got good credit and deliberately put collection on my credit reports to force me to pay invalidate debt. This is an extortion and I.C system must stop this collection tactics. 
Delete the tradeline from my report and pay {$1000.00} for violation of FCRA and FDCPA.

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