vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Reference is made to Claim XXXX. 

A partial response from Truist stated " As an SII, you are entitled to receive certain notices and communications related to the loan including but not limited to billing statements, payoff statements, mortgage assistance options, and monthly payments. '' Verbal requests for monthly statements as well as year-end were ignored, so I sent this letter to but there has not been a response. 

" XX/XX/XXXX Sent Via Priority Mail Truist Bank XXXX. XXXX XXXX XXXX, VA XXXX RE : Mortgage Loan Number Account : XXXX  To Whom It May Concern : Is the attached e-mail dated XX/XX/XXXX, some kind of joke? 
As a Confirmed Successor, Truist Bank will not allow me to pay the mortgage online or set-up an online account so how am I to access the monthly statement? 
A copy of the Confirmed Successor in Interest Acknowledgement Form dated XX/XX/XXXX, that was sent back is included. 
So to clarify the executed Confirmed Successor Letter, I MUST be mailed a copy of each monthly mortgage statement. Truist Bank sends a letter monthly stating the payment was received so how difficult is it to send a monthly statement? 
Please start by sending all statements for XXXX and continue monthly. 
I also request the XX/XX/XXXX XXXX. 
Not sure why Truist wants to make it harder than necessary and drive up costs by utilizing the USPS, but that is their decision. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: IA

Complaint narrative:
Kinium debt collector - XXXX ( XXXX ) XXXX called me demanding I pay XXXX from XXXX XXXX XXXX who I called and I do not owe them money. Potential scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bank with Capital One. I sent a check of {$880.00} via bill pay on XX/XX/XXXX for my rent that was due on XX/XX/XXXX. The rental office never received the check. I contacted Capital One explaining the situation. I asked if I could receive an emergency credit. At this point, I've incurred {$65.00} in late fees. So I wrote a manual check in the amount of {$940.00} and took to rental office confirming that they never received the {$880.00} check. Capital One has refused to credit my account and I have other bills that are due on XX/XX/XXXX. I'm on a fixed income and can not afford to pay late fees for my other bills. I'm in tears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
During my XX/XX/year> call, talking to XXXX XXXX raised a concern about prior interactions with Supervisor named XXXX on XX/XX/year> and suggested that she sounded jaded about her work and maybe finding something else ( peripherally referring that additional training might be helpful given the ongoing service issues ) would be a good idea. 

XXXX XXXX responded by stating : You want me to tell her to find another job... I clarified that this was not my intent and that sounds pretentious and I think additional training would suffice. 

What XXXX is doing here is a classic deflection and escalation maneuver. it's often used by managers to reframe legitimate feedback as something unreasonable or personal, so they can then dismiss it or put you on the defensive. 

I gave measured feedback : XXXX seemed jaded and maybe not suited for the role if the role isn't working for her. perhaps more training would suffice. Reasonable, considering the service problems. 

In short : XXXX was attempting to : -Shift the narrative away from MOHELA 's errors and onto my tone or intent.

-Protect her employee by putting myself in a bad light. 
-Discourage further criticism by making it seem like I was attacking XXXX personally, when I was not. 

This exchange reflects a pattern of customer service interactions where MOHELA representatives have reframed borrower concerns rather than directly addressing the underlying servicing problems. This behavior has made it more difficult to resolve legitimate issues related to customer service, servicing errors and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: CO

Complaint narrative:
I am writing to formally raise concerns regarding a collection notice I recently received in connection with my former residence at XXXX XXXX XXXX XXXX XXXXXXXX. Despite multiple attempts over the past year to address this matter. This lack of communication has been frustrating, particularly given that my emails have been opened without follow-up. 

The charges in question stem from a post-tenancy inspection that was conducted without my presence. Prior to moving out, I specifically requested a joint walkthrough, as is standard practice. I was told by a staff member named XXXX that walkthroughs were not part of the move-out process. The inspection findingswhich include claims of carpet staining and replacementwere dated 18 days after my departure. This delay raises concerns about the validity and fairness of the charges. 

In addition, I would like to highlight several serious maintenance issues that occurred throughout my tenancy and were never adequately addressed. These include : Multiple extended periods without functioning air conditioning The presence of XXXX and XXXX mold in the apartment A significant bathroom ceiling leak that rendered the shower unusable for several days A large hole in the ceiling that was left unrepaired and debris I was left to clean myself These issues severely impacted my quality of life while residing at the property, yet no meaningful accommodations or compensation were ever offeredaside from a maintenance worker accidentally breaking a mirror. 

Furthermore, I have concerns regarding a claim that I owe fees for an early move-out. Prior to vacating, I had a conversation with the previous property XXXX, XXXX, during which she gave verbal approval for me to end my lease early without penalty. I urge you to review that call for confirmation. 

I have attached documentation, including the move-out statement and photos provided to me. However, I also possess video footage of the apartment prior to my departure that offers a clearer and more accurate depiction than the photos you submitted, which appear to have been taken in poor lighting. I will be sending those videos shortly. 

Given the numerous unresolved issues I experienced during my tenancy and the lack of transparency in the move-out process, I do not believe I should be held financially responsible for these charges. I am willing to discuss a reasonable resolution, but I respectfully request that my concerns be reviewed seriously and addressed promptly. 

After A year has passed I finally got an email saying to pay {$220.00}. But after all I had to go through living there and no one responding to emails or calls. I feel I should not be held responsible for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I filed a police report my identity was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed severed inaccuracies and unauthorized accounts/information reporting to my credit report These remakes have been detrimental to my life and Credit heath

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I've recently received a copy of my credit report and noticed severed inaccuracies and unauthorized accounts/information reporting to my credit report These remakes have been detrimental to my life and Credit heath

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
This is a first-time dispute submission to TransUnion regarding XXXX XXXX XXXX XXXX XXXX ), and I am including my government-issued ID and a recent utility bill verifying my address to fulfill identity verification requirements. Please confirm that these documents are accepted so my dispute may proceed without delay. XXXX  is attempting ( or may attempt ) to report a tradeline for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for an alleged balance of {$6100.00} ( or any balance ), despite the fact that no balance is owed and the original XXXX XXXX tradeline was permanently deleted from my TransUnion credit file under File Number XXXX, issued XX/XX/year>. 
XXXX XXXX XXXX has not provided a signed application, original agreement, or documented chain of assignment proving ownership of this account or legal authority to report it. As such, the account remains legally unverified and must not appear in my TransUnion file. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), TransUnion is required to ensure maximum possible accuracy and may not include unverifiable or inaccurate information. Per 1681i ( a ) ( 5 ) ( B ), any reinsertion of a deleted tradeline must be certified as accurate and disclosed to me in writing within five business daysthis has not occurred. Furthermore, under 1681b ( a ) ( 2 ), any credit reporting must be supported by a permissible purpose, which I have never granted to XXXX. Accordingly, I request the immediate and permanent blocking or deletion of any current or future reporting by XXXX XXXX XXXX any other furnisherrelated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, in compliance with FCRA 1681i ( a ) ( 5 ) ( A ), 1681e ( b ), and 1681b ( a ) ( 2 ). Please confirm in writing that this matter is fully resolved or provide the complete reinvestigation results and supporting documentation within the legally required timeframe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX - XXXX - How are you reporting late payments if I am protected by the Cares Act - Please Update to Never Late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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