vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
There have been several issues with duplicate pending status overdrafting my account. No resolution. 

There was one instance of a fraudulent purchase. XXXX indicated a non-local corporate pet shop an hour away. Fraud filed. Money returned. Resolved XXXX XXXX  Today, upon my daily online account activity examination, I found my account to be overdrafted by {$10.00}, down from a positive holding of {$1.00} By XXXX XXXX  the depth of the overdraft reduced by {$2.00} for a new negative holding of XXXX I have not deposited or spent any money by debit card since Monday. The activity shown, is in absence of my impetus. 

Even if there were a legitimate charge by me at a XXXX  for {$10.00}, it wouldnt pend and post posthumously and then change in value. 

Every time Ive disputed the independent activity, the clerk becomes vague and ambiguous. 

Further, a second debit card was issued to me [ sent out ] under the false premise, of my current card being damaged ; as indicated by email notification. 

I made no such request, and am inclined to think the bank staff hostile, in absence of the data necessary, to assign blame accurately.

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 2025-06-18 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: IA

Complaint narrative:
I had recently received my full credit report and noticed multiple inaccurate account information, my information has been compromised and its damaging to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IA

Complaint narrative:
I had recently received my full credit report and noticed multiple inaccurate account information, my information has been compromised and its damaging to my character

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 Address : XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKCRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Reinvestigation Request Regarding Repossession on Credit Report To Whom It May Concern, I am writing to formally request a reinvestigation of an inaccurate or outdated repossession listed on my Equifax and experian credit report. This account has already been successfully removed from my XXXX  credit report as of XX/XX/XXXX, and I believe it should no longer be reported by Equifax either. 

Details of the Account XXXX XXXX company - Account Number ( last XXXX digits ) : XXXX - Date of First Delinquency XX/XX/XXXX The account is either inaccurate or outdated based on the Fair Credit Reporting Act ( FCRA ), and the fact that it has been removed by another bureau indicates the data may no longer be verifiable or valid. Please verify the account with the original creditor, and if it can not be verified, remove it from my credit report. 

I have attached : - A copy of my XXXX  credit report showing details of removal Please complete your reinvestigation within 30 days I demand this account be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint regarding continued misreporting of federal student loan information by MOHELA and the XXXXXXXX XXXX XXXX XXXX following my approved XXXX XXXX discharge for loans related to XXXX XXXX. 
On XX/XX/XXXX, I received a discharge notice from the XXXX XXXX XXXX stating that my federal student loans used to attend XXXX XXXX  between XXXX and XXXX were fully XXXX under the XXXX XXXX to Repayment program. The amount XXXX was {$53000.00}. 
Despite this, MOHELA continues to report these loans as active, and they remain improperly included in my account balance and monthly statements. As of XX/XX/XXXX, my MOHELA account reflects a total loan balance of {$120000.00}, including the XXXX XXXX loans. This has led to significant misreporting to credit agencies and ongoing financial harm. 
Additionally, the discharge type is incorrectly recorded as a " XXXX XXXX XXXX '' dated XX/XX/XXXX. I did not receive a closed school discharge, and I remained enrolled in XXXX through XX/XX/XXXX. The correct discharge type is XXXX XXXX, and the effective date is XX/XX/XXXX. 
These inaccuracies remain unresolved despite multiple requests and a formal complaint submitted. 


I am requesting immediate correction of my loan records and credit reports to reflect the XXXX XXXX discharge and removal of the XXXX loans from my balance. I am also requesting investigation into MOHELAs continued misreporting and a written response confirming the corrective actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
In XX/XX/year> I called XXXX XXXX XXXX  and was advised that they requested " Demands for Deletion '' from XXXX XXXX accounts because of lack of full FCRA Validation. This demand was submitted to the bureaus in XX/XX/year> after about almost XXXX  years back and forth trying to get responses from XXXX XXXX ( all accounts ). Recently I found out via XXXX Mail that XXXX XXXX XXXX purchased XXXX XXXX account ending in ( XXXX ) which per the telephone call with my legal representative had NOT been validated following FCRA rules. 
Summary of Complaint : I am filing this complaint regarding a XXXX  XXXX account ending in XXXX, which was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is now being reported as a collection by XXXX on my credit reports. However, I was never provided proper validation of the debt under FDCPA 809 ( b ) prior to the reporting of this tradeline. Furthermore, XXXX XXXX has continued to update the original tradeline monthly post-sale, without marking it as sold/transferred, which constitutes illegal reaging and a violation of FCRA 623 ( a ) ( 5 ) and Metro 2 guidelines. 
Violations Identified : XXXX. XXXX XXXX failed to : o Provide written notice of debt sale or assignment.

o Mark the tradeline as sold/transferred.

o Cease monthly updates after the account was sold. 
XXXX. XXXX : o Reported the collection without first validating the debt. 
o Failed to provide a full chain of custody or original documentation upon dispute. 
XXXX Credit Bureaus XXXX XXXX  XXXX TransUnion XXXX XXXX  ) : Are publishing inaccurate and misleading information. 
Have not corrected the tradeline despite disputes and evidence submitted.

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 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year> I called XXXX XXXX XXXX and was advised that they requested " Demands for Deletion '' from XXXX XXXX accounts because of lack of full FCRA Validation. This demand was submitted to the bureaus in XX/XX/year> after about almost 2 years back and forth trying to get responses from XXXX XXXX ( all accounts ). Recently I found out via XXXX Mail that XXXX XXXX XXXX purchased XXXX XXXX account ending in ( XXXX ) which per the telephone call with my legal representative had NOT been validated following FCRA rules. 
Summary of Complaint : I am filing this complaint regarding a XXXX XXXX account ending in XXXX, which was charged off and subsequently sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is now being reported as a collection by XXXX on my credit reports. However, I was never provided proper validation of the debt under FDCPA 809 ( b ) prior to the reporting of this tradeline. Furthermore, XXXX XXXX has continued to update the original tradeline monthly post-sale, without marking it as XXXX, which constitutes illegal reaging and a violation of FCRA 623 ( a ) ( 5 ) and Metro 2 guidelines. 
Violations Identified : 1. Capital One failed to : o Provide written notice of debt sale or assignment.

o Mark the tradeline as sold/transferred.

o Cease monthly updates after the account was sold. 
XXXX. XXXX : o Reported the collection without first validating the debt. 
o Failed to provide a full chain of custody or original documentation upon dispute.

3. Credit Bureaus ( Equifax XXXX XXXX XXXX XXXX  ) : Are publishing inaccurate and misleading information. 
Have not corrected the tradeline despite disputes and evidence submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MO

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) 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 2025-06-18 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-18 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
this is not my account. I was incarcerated this alleged account was opened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MN

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-18 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: MA

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. 

XXXX XXXX XX/XX/XXXX {$5600.00} XXXX XXXX XX/XX/XXXX {$4500.00} XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Here is the information you need to possibly identity listed accounts. 
Last XXXX of social : XXXX XXXX : XX/XX/XXXX Name : 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 2025-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of ide
ntity 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Experian Dispute Department XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ( # XXXX ) Dear Experian Dispute Department, I am writing to formally dispute inaccurate and unverifiable information appearing in my credit report related to the following account : Creditor Name : National Credit System Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$5900.00} Status : Collection Account Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Reporting Agency : Experian Under 15 U.S. Code 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper and reasonable reinvestigation of any information I dispute, including : Investigating disputes within 30 days of receiving notice. 
Reviewing all relevant documentation submitted with the dispute. 
Removing or correcting any information that is inaccurate, incomplete, or unverifiable. 
I am asserting that this account contains inaccurate or unverifiable information. Specifically : 1I do not recognize this debt and request that you validate the details of the original obligation.

2There is no clear documentation or signed agreement that verifies my responsibility for this debt.

3The balance and status updates appear inconsistent with account activity and may be in violation of FCRA reporting standards. 
I have enclosed a copy of my credit report with the account in question highlighted, along with my identification documents for verification. 
I request that this account be immediately investigated. If the information can not be verified as accurate and complete, it must be deleted from my credit report as required by federal law. 
Please complete the reinvestigation within 30 days and send me written confirmation of the outcome. If the information is verified, I request a full description of the method of verification, including the name, address, and phone number of the data furnisher who verified the debt. 
Thank you for your prompt attention to this matter. 
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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
The amount is inaccurate and does not reflect the correct amount owed. I had made an agreement with the original creditor XXXX XXXX to take off all interest and have this removed from my credit report. They instead sold it off to another creditor after agreeing to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I have filed a FTC report shortly after realizing fraudulent accounts/items on my FICO credit report. I have uploaded my FTC report, copy of my drivers license and social security card as proof of my identity. I am filing this complaint to request that you place an immediate block on these fraudulent accounts/items in my credit file within 4 days upon receipt of this correspondence.

I have recently reviewed a copy of my credit report and the following accounts/items does not relate to any transactions that I have made ; therefore, I am requesting that these accounts/items be completely REMOVED and BLOCKED from my FICO credit report. This is not a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of Identity Theft.

Please REMOVE and BLOCK this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts/items be deleted and blocked from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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