vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: IN

Complaint narrative:
I tried to call and set up a small monthly payment plan on XX/XX/year> at XXXXXXXX XXXX XXXX. All I can afford at this time is a small monthly payment. I said XXXX dollars a month. The company charges XXXX to make a payment. As I was asking if they could waive the fee in the middle of the call someone else said they were taking over the call. He was rude and disrespectful. He was yelling at me about how this will still be on my credit. My wife tried to explain to him that my mother recently passed away and he refused to speak with her. He told me I could mail my payment. I asked if he could waive the fee. He said my payment wouldnt do anything. I asked for a supervisor and he refused to to talk to a supervisor. When I kept asking for a supervisor he hung up the phone on me. I have never received a bill from them so I have no address or account number to mail in a payment to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was looking at my bank accounts through my online banking service and noticed that someone had transferred XXXX dollars out of my account to some unknown entity. In other words, my account was hacked I immediately went to the bank to report this and they asked me if I gave out my banking information ( account numbers ) to anyone which I had not.They then implied that it was probably hacked because I clicked on something on my computer that somehow caused the hack which I did not. Later, I looked up BMO on the internet and noticed a class action lawsuit that was started by all the people who had their bank accounts hacked banking at BMO and did not get their money back. The bank manager told me that the bank was not responsible for this and therefore, if they could not find the money I would not be reimbursed. This was not my fault. and that money was part of a retirement fund for me as I will retire soon. Is there any recourse that I can take? I just want my money back. BMO did start an investigation with their fraud department and closed by accounts. But the implication was that I caused this mess.

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 2025-09-18 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Credit collection services is making false statements saying Im in {$280.00} in debt which is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened up a person checking & savings account XXXX of this year XXXX, every thing was going great no issues. My partner also set up his own account a week ago, and yesterday XX/XX/XXXX we went in the local XXXX XXXX  branch to open up a joint account to better manage our bills. Initially everything went smoothly XXXX XXXX the branch leader assisted us in opening up the account and helped me deposit {$1200.00} from my savings to the joint account as we are trying to get an apartment. Ive primarily used my personal account to pay bills and occasionally order food, my partner and i woke up this morning to the truist app saying the account was locked and to call customer service. When calling customer service today XX/XX/XXXX they claimed all our accounts were closed and under investigation for fraud, i didnt get any statements disclosing any information or what was going on, i was told to go to the bank pay my overdraft although i had a balance buffer set up and that id be able to retrieve my funds. Upon going to the XXXX branch they offered no help or assistance and told me id have to call customer service, I did pay my overdraft and was still told they would not withdraw my funds without any information or reasoning. I had to call customer service at least XXXX different times today and still have yet been told how id receive my funds or when. The XXXX account had {$1200.00} in its balance as i transferred that from my savings to it on XX/XX/XXXX, my savings account has a balance of {$75.00}, and my personal checking is at XXXX as i paid the overdraft today 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 2025-09-18 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:
This listing does not accurately reflect my history of timely payments and seems incorrect. Please conduct a review and eliminate it.

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 2025-09-18 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-18 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-09-18 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 object to the accuracy of items reflecting accounts not created by me. Kindly perform a detailed investigation and delete them. Supporting materials are enclosed.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

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 2025-09-18 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 express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint against Capital One for inaccurate and misleading credit reporting across all three credit bureaus ( XXXX, XXXX, and XXXX  ). 

Inaccurate Charge-off Reporting : Capital One is reporting a charged-off account with inconsistent balances and re-aged activity dates. The account reflects dates that do not align with the true Date of First Delinquency, unlawfully extending the negative reporting period in violation of the Fair Credit Reporting Act ( FCRA ).

No IRS Form 1099-C Filed : My official IRS Wage & Income Transcripts confirm that Capital One did not file a Form 1099-C under my SSN for this account. Other creditors have properly filed 1099-Cs when cancelling debt, but Capital One failed to do so. This demonstrates inconsistent and misleading reporting practices.

Non-Compliance with Metro 2 Standards : The Capital One tradeline is not being reported in accordance with Metro 2 standards, which require accurate, uniform, and complete furnishing across all bureaus. Capital Ones inconsistent balances, missing required fields, and re-aged reporting violate Metro 2 industry standards.

Evidence Provided : Wage & Income Transcript pages ( redacted ) confirming no 1099-C issued by Capital One.

Credit report screenshots across all three bureaus showing Capital One charge-off reporting, re-aged dates, and inconsistent balances.

Comparison evidence showing other creditors proper 1099-C filings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I've been attempting to have all of these companies verify these debts but all I get is the run around. I have spoken with each and everyone of them give be very vague answers. I have had to put a credit freeze  on my accounts, made statements to opt of allowing all of these XXXX  XXXX  vendors/ companies to access my credit report but they have sent me letters stating that trying to have things removed required me to file a police report but it does not state that in their policies, I have been attempting to clean my credit since I first realized that I had XXXX. Having these other credit reporting sites such as XXXX XXXX, Experian online, Equifax, don't help us at all. I have reached out to them and Equifax simply told me that I can't have certain things removed ever from my report, XXXX XXXX has attempted to charge me {$3000.00} dollars to have these items removed, they also told me that Experian had no Information filled out for me so the reporting that I was seeing was altered. I recently was sent a letter from Experian to say that if I wanted anything removed that I would need to have Police report so I will be filing XXXX of those also. I am so upset about this whole process. I have been doing my research and found out about all of the illegal practice 's the credit reporting have been implementing has been fraud and they need to be shut down. I have gathered as much evidence as I could have and I'm going to the police to file a separate report there for Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been attempting to have all of these companies verify these debts but all I get is the run around. I have spoken with each and everyone of them give be very vague answers. I have had to put a credit freeze  on my accounts, made statements to opt of allowing all of these XXXX  XXXX  vendors/ companies to access my credit report but they have sent me letters stating that trying to have things removed required me to file a police report but it does not state that in their policies, I have been attempting to clean my credit since I first realized that I had XXXX. Having these other credit reporting sites such as XXXX XXXX, Experian online, Equifax, don't help us at all. I have reached out to them and Equifax simply told me that I can't have certain things removed ever from my report, XXXX XXXX has attempted to charge me {$3000.00} dollars to have these items removed, they also told me that Experian had no Information filled out for me so the reporting that I was seeing was altered. I recently was sent a letter from Experian to say that if I wanted anything removed that I would need to have Police report so I will be filing XXXX of those also. I am so upset about this whole process. I have been doing my research and found out about all of the illegal practice 's the credit reporting have been implementing has been fraud and they need to be shut down. I have gathered as much evidence as I could have and I'm going to the police to file a separate report there for Identity theft

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I just found out I have a judgement against me about this account that I didnt receive notification about

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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