vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
am filing this complaint regarding my XXXX XXXX XXXX XXXX XXXX XXXX issued by FNBO. 

On XX/XX/year>, FNBO mailed me a letter admitting that the advertising and the Summary of Credit Terms provided before I applied contained only an abbreviated definition of " Eligible Purchases. '' Because of this incomplete and misleading information, I made purchases believing they qualified as Eligible Purchases. Instead, they did not, and I was charged interest as a result. 

FNBOs own letter confirms that the information provided at the time of application was not accurate or complete. This directly impacted my account and caused me to be charged interest charges that I would not have incurred had the correct information been provided upfront.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America and Bank of America Corporate Communications Team, I am filing a complaint regarding how a recent wire transfer transaction was handled. On the morning of XX/XX/XXXX, a transfer of {$3900.00} was made out to my checking account and was expected to arrive the same day. I wasn't made aware of any issues regarding the transfer and was instead informed by my bank that there was no such transaction made to my account. With this confusing news I was unable to pay my rent as I had expected to that day.

The next day, with the money still not sent to my account, I visited my local Bank of America to see what the issue was. I was yet again informed that there was no money being sent to me. I even called the sender and had them confirm ( with paperwork to back it up ) that there was in fact money sent to my appropriate account number and wiring number.

I ended up having to visit my bank twice, and spend a large amount of hours on the phone with both banks and two different Bank of America departments, just to discover that the money is being held by your wiring department when wires are supposed to be executed on the same day given there are no issues between either accounts, which there were not. 

With my funds being withheld, I had to pay my rent a day late which left a blemish on my reputation and personal business. I didn't even receive a phone call from the bank notifying me of any issues and I'm now waiting for the wire to process for close to two days. I do not appreciate my money being held for no good reason and my life being negatively effected as a result. I am now afraid of future retaliations from my landlord because I was made to look unprofessional and unreliable.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: WA

Complaint narrative:
I have contacted the debt collector by mail and phone. No one will give me any information or provide any proof. Ive disputed the info on my credit reports but nothing helps

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have a car loan with Capital One. I requested a full audit and reconciliation of all account payments because I have a projected balance due at the end of the loan term. Capital One at times has not posted the payments correctly and added them to the principal instead of the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a consumer, I am requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the following inaccurate information on my TransUnion credit report. I am doing my best to fix my credit, and these errors are preventing me from moving forward. 

Charged-Off Accounts in Dispute 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 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 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 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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I sent a certified letter to LVNV informing them that I am not aware of a contract with this company nor the debt. and I asked that they send me a copy of this information via mail with a credit card summary and original contract that was signed with this company and they did not have this information and also said they did not have the information but yet they continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
CFPB Complaint : Credit Reporting Agency Failure After Data Breach / Violation of 15 U.S.C. 1681b Summary of Complaint : I am filing this complaint because TransUnion, XXXX XXXX XXXX failed XXXX properly safeguard my personal information during a data breach. As a result, my information was exposed to unauthorized parties. Despite this, the agencies continue to report negative items that may have been accessed, altered, or created without a permissible purpose, which is a violation of 15 U.S.C. 1681b.

Details : My personal information was compromised during a credit bureau data breach.

This breach raises serious concerns about the accuracy and integrity of all negative accounts appearing on my credit reports.

Under the FCRA, the bureaus may only furnish my information to entities with a documented permissible purpose.

Because unauthorized parties may have accessed my data, any negative items that can not be verified must be deleted.

I requested a full reinvestigation and proof of permissible purpose, but the bureaus have not complied appropriately.

Desired Resolution : Immediate reinvestigation of all negative items.

Deletion of all unverifiable negative accounts.

Written documentation of permissible purpose for each item. 
Confirmation that the bureau has taken steps to protect my data going forward.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported information does not align with my true financial performance. I request a correction based on review.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: KY

Complaint narrative:
I applied to get a car insurance and noticed on the report that XXXX ( XXXX ) items were incorrect on the CLUE report with LexusNexis. XX/XX/XXXX incident reports me at fault for an accident. This is a fraudulent. This is an identity theft case of a car being purchased in my name with my credit that got into a car accident without my knowledge and the car insurance company paid out a claim to the person who committed the identity theft. The second report of XX/XX/XXXX was not an accident it was a stolen car! That the insurance company refused to pay out the claim for comprehensive that I requested to have placed on my account 6 months earlier. They claim that they didn't receive XXXX extra photo and that was the reason why they never changed my account with comprehensive insurance however I was paying comprehensive insurance price. They did not honor it! This is the same vehicle that I had with XXXX XXXX and XXXX XXXX claims earlier on my account here with CFPB. The car was found XXXX weeks later and the tow company wouldn't release the car to the insurance company because of the XXXX placed on XXXX XXXX. So the car was essentially stolen twice because I lost the car to the tow company selling the car! Of course I filed a police report and a claim with the Florida insurance bureau and the insurance company got away with taking my money and never compensating me. Regardless both these items are being incorrectly reported on my XXXX report with LexusNexis causing me to pay high fees for car insurance. It's not right! I asked several times to get it reversed and it needs to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XX/XX/XXXX Transunion Legal XXXXXXXX XXXX XXXX XXXXXXXX XXXX PA XXXX I am writing to formally dispute inaccurate information on my credit report that i believe is harming my financial well-being. I am aware of my right under the fair credit report act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Transunion for its failure to properly investigate consumer disputes, citing sham investigations and other lawful practices. these practices, as outlined by the CFPB, includes : Conducting inadequate investigations that fail to address consumers disputes property. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumers that my dispute XXXX be mishandled in a similar manner. 
Please review the inaccurate information being reported.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
They call every day, several times a day. I contacted them and they said the debt was not mine and the person they were trying to reach had my phone number from before it was given to me. I filed a complaint with the XXXX  and they continue to call me. I can not provide any information because the debt is not mine. I just want them to stop calling all day!! If it continues, I WILL file a formal complaint with the district state attorney 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX : XX/XX/year> Summary of Complaint : I am submitting this complaint because my consumer report contains multiple inaccurate, unverified, and improperly reported items. Despite my formal dispute and request for reinvestigation, these items remain on my report without proper verification or correction. 

XXXX. Nature of the Inaccuracies My consumer report shows several items that are factually incorrect or not mine, including : Incorrect personal identifiers ( XXXX names ) Incorrect previous addresses Incorrect employer information An unauthorized inquiry Several accounts that have not been properly validated or verified I directly disputed each item, identifying the specific errors and requesting verification and deletion where appropriate. 

XXXX. Violations of the FCRA The reporting and handling of my dispute violate several sections of the Fair Credit Reporting Act, including but not limited to : FCRA 602A Failure to maintain maximum possible accuracy of consumer information.

FCRA 604 Permitting access to my consumer report without proper authorization ( unauthorized inquiry ).

FCRA 607 ( b ) Failure to follow reasonable procedures to assure accuracy of the information reported.

FCRA 611 ( a ) Failure to properly reinvestigate, verify, or delete unverified information within 30 days. 

XXXX. FDCPA Violations ( Where Applicable ) For accounts handled by any third-party or debt collector : FDCPA 807 ( 8 ) Reporting false, misleading, or inaccurate information. 

FDCPA 809 ( b ) Failing to validate or provide required documentation after written request. 

XXXX. Verification & Documentation Issues I requested proper verification, including : Method of Verification XXXX XXXX XXXX Documentation from the original furnisher Proof of permissible purpose for the inquiry Verification of accounts allegedly associated with me None of these were provided. 

Under FCRA and consumer protection laws, unverifiable information must be deleted. 

XXXX. Data Security Concerns Given the number of national data breaches affecting consumer information, I expressed concern that some of the information reported may have been compromised and does not belong to me. No documentation was provided to prove the accuracy or origin of the disputed items. 

XXXX. Harm Experienced These inaccuracies have caused : Denial of credit and financial opportunities Reputational harm Emotional distress Difficulty in obtaining accurate credit decisions

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following items on my credit report as reported by the XXXX major credit bureaus : XXXX XXXX XXXX XXXX Experian ( EX ), and XXXX XXXX XXXX XXXX. Please find the details of the accounts in dispute below. 

EX : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$930.00}

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I got scammed into thinking I was getting approved for a rental before coming in to check the place. 
XXXX ( ( XXXX ) XXXX email : XXXX ) owner of the post on XXXXXXXX XXXX # XXXX. 

He requested me to run my credit score and send him screenshots of my credit and he would come back and say that he had received my information. 

He sent me XXXX websites that were not the main credit company to run background checks when I realized after the website had weird address which appeared to be looking like a scam. 
The last website asked for my Social Security number and credit card info. 

Today I went to check the place I was supposed to be renting and Im at the owner of the house and he had confirmed it was a scam that he had already found somebody to move in and that was not the correct listing and rental price, but Were legit. 
The website made a few charges into my bank account, ( XXXX different transactions on total of {$37.00} )

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