vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My daily banking is with USAA. My older and unused outside bank is XXXX. USAA sent me banking message asking if I would like to connect an outside bank to my USAA bank for transfers and such. I responded, yes! They sent me a list containing XXXX banks. XXXX XXXX XXXX I chose XXXX I believe I got a message the next day saying, I could now transfer. I went to XXXX and this transfer box comes up. No amt shown. But, it also said, you have a {$5000.00} limit per day. So. I put in for {$2500.00}. It transfers the money. Then I get a message saying there's {$2500.00} left. Long story short, I started paying bills. Not XXXX later, I see debits appearing in my accts where the funds were deposited. I thought, XXXX had taken the funds back for some reason. The next morning I went to XXXX and spend almost XXXX hrs to find out the funds were from unclaimed bonds with my name on them. XXXX suggests I ask USAA as they diid not take the funds back! I spent an hour trying to get an answer as to how and why they would do that! Today they absorded my SS payment. I am a XXXX XXXX XXXX Veteran who just turned XXXX. I don't need this times are hard enough! 
XXXX XXXX XXXX is my name My USAA bank 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 2025-06-23 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, the XXXX  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 XXXXXXXX XXXX XXXXXXXX VA XXXX INQUIRIES : XXXXXXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/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 2025-06-23 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-23 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:
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 ]

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 2025-06-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I recently did a refinance on my mortgage. XXXX XXXX stated to me that I could make biweekly payments on my mortgage. When I begun to make biweekly payments, they told me that my early payments werent being applied to my principal balance. They stated that the principal balance wouldnt be effected until the full monthly loan amount was paid. This action took away the opportunity for me the cut down on interest, which should be illegal. I know I was mislead by at least two different state employees employees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Please help me figure out where I went wrong with my house payments. Ever since I bought this house, I have made payments, usually on the internet. In XXXX, my credit card usage got out of hand, so I filled bankruptcy. I filled bankruptcy and the mortgage company would not let me make a payment on the website and gave me address to send the payment to, so I did. 
I may have been late a day or so the first month, XX/XX/year>, because I had to get a money order and mail it to them but I payments are paid monthly to the addresses they provide to me. I have included here statements of my account starting with XX/XX/year> to show that there no problems with them before I filed bankruptcy. Please notice that then my payments were XXXX and been going up ever since then to where they are now. 
I also included a court order declaring me XXXX months behind in my payments. Please review my account and tell me where I went wrong.

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 2025-06-23 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: KY

Complaint narrative:
I am filing this complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by falsely verifying inaccurate information on my credit report. I disputed a XXXX XXXX XXXXXXXX account currently listed in my TransUnion file ( account ending in XXXX ), which contains several discrepancies clearly documented by the original creditor. 
The charge-off date listed by TransUnion is XXXX XXXX XXXX  However, the official correspondence I received from XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX states the charge-off occurred on XX/XX/XXXX. Additionally, TransUnion reported that the account was closed due to inactivity, a reason not mentioned at all by the creditor. Lastly, the account number reported by TransUnion does not match the account number referenced in the bank 's letter. 
Despite these material inconsistencies, TransUnion responded to my previous dispute by claiming they had " verified '' the information. This is not only misleading but unlawful under the FCRA, as the data they " verified '' does not match the official documentation from the creditor. This constitutes a false and deceptive verification process. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies must correct or delete any information that can not be verified or is found to be inaccurate or incomplete. TransUnion 's actions demonstrate a disregard for these legal obligations, and they continue to report this inaccurate account even after receiving evidence of the discrepancies. 
I respectfully request that the CFPB take immediate action to investigate TransUnion 's noncompliance with the law, and that this inaccurate XXXX XXXX XXXXXXXX account be removed from my credit report without further delay. 
Sincerely, 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 2025-06-23 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-06-23 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: CA

Complaint narrative:
Im writing because Ive found incorrect and potentially damaging information on my credit report, and I need it addressed immediately.

Specifically, there is an account listed that I either do not recognize, did not authorize, or contains data that does not accurately reflect my financial activity. Im disputing the validity of this information and demanding a formal investigation into how and why it ended up associated with my name and credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Company Complained About : XXXX XXXX XXXX 

Account Reference : XXXXXXXX XXXX XXXX XXXX XXXX ( Closed, Paid Still Reporting as Charge-Off ) I am filing a formal complaint against XXXX XXXX for inaccurate and outdated reporting of a closed account that was paid in full but continues to appear as a charge-off with derogatory payment history on my credit reports. 

Despite resolving the balance, XXXX has not updated the account to reflect paid/settled status, and continues to report the account as charged-off, in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) which requires furnishers to report information that is complete and accurate. 

In addition, this negative account coexists alongside another active XXXX account in good standing, which further proves my effort to responsibly manage credit. The continued reporting of this derogatory status on a closed, resolved account is both misleading and harmful, resulting in negative impact to my creditworthiness and score. 

I have submitted disputes with the credit bureaus, but XXXX has failed to properly respond or validate the reporting. Their lack of correction suggests a failure to comply with FCRA and XXXX XXXX data furnishing standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Company Complained About : XXXX XXXX XXXX 

Account Reference : XXXXXXXX XXXX XXXX XXXX XXXX ( Closed, Paid Still Reporting as Charge-Off ) I am filing a formal complaint against XXXX XXXX for inaccurate and outdated reporting of a closed account that was paid in full but continues to appear as a charge-off with derogatory payment history on my credit reports. 

Despite resolving the balance, XXXX has not updated the account to reflect paid/settled status, and continues to report the account as charged-off, in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 2 ) which requires furnishers to report information that is complete and accurate. 

In addition, this negative account coexists alongside another active XXXX account in good standing, which further proves my effort to responsibly manage credit. The continued reporting of this derogatory status on a closed, resolved account is both misleading and harmful, resulting in negative impact to my creditworthiness and score. 

I have submitted disputes with the credit bureaus, but XXXX has failed to properly respond or validate the reporting. Their lack of correction suggests a failure to comply with FCRA and XXXX XXXX data furnishing standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tenaglia & Hunt, PA
State: NC

Complaint narrative:
I had a credit card debt with XXXX XXXX XXXX which was sold to Tenaglia and Hunt law firm. 
Now I am refinancing my mortgage with XXXX ( XXXX XXXX XXXX ). A payoff letter is needed for them to pay this letter. Although they sent the payoff letter the refinancing company want them to clarify some things about the payoff letter and and what they call the release of judgement. 
My refinancing company have been trying to reach them since XXXX this year and they won't pick the calls. Their payoff letters keep on expiring because when XXXX tries to call them for clarification nobody picks the calls. 
When I call them to inform them, their calls are on answering machines and even when I leave a voice mail nobody calls me back. 
My refinancing company XXXX is unable to proceed with my refinancing because nobody is answering their calls to clarify the things that they need.. 
I want them to get in touch my refinancing company and furnish with the clarification that they need. 

The debt collector firm is ; Tenaglia and hunt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My refinancing company contact is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX newamericanfunding.com Some of the emails from my refinancing company emails requesting this information are copied here above. 


Hi XXXX! 

I am getting our management team involved to see how we can expedite this issue as it seems title is just not able to get ahold of them. 

Hope you have a great weekend, we will be in touch soon! 

* Please make all of your scheduled payments on time to prevent any qualification issues * * * Please note, my working hours are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Could you attempt to get another payoff quote with Tenaglia & Hunt? 

The one we have is expired and our XXXX is attempting to cleared with title with at least the following items clarified by the attorney : Updated payoff quote Confirm they will release the judgement once we pay the debt in full Feel free to give me a call if you are able to get ahold of them and we can have a XXXX way conversation discussing this. 

* Please make all of your scheduled payments on time to prevent any qualification issues * * * Please note, my working hours are from XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I, XXXX XXXX, noticed the initial hold of {$240.00} placed on my college account early XXXX. I immediately called XXXX XXXX  to get more information. They told me that it was part of a debt collection and that I had to contact the lawyers in charge of that account. When I contacted the lawyers they explained that there was no account under my name nor social security number. After looking around they realized that the hold was for my mother, XXXX XXXX, whom my account is under. She owed a total of {$3700.00} to Citi Bank/Macys . The lawyers then put me on hold and told me I would be able to speak to someone about it. They sent me to voice mail and have not responded to any phone calls after that initial one. Every two weeks after the hold would grow by triple the amount until today, XXXX XXXX, where XXXX XXXX allowed Citi Bank and their lawyers to place a hold of {$7400.00} on my college account. At the same time making an overdraft of my college account by over {$6300.00}. This is completely unacceptable because I had explained to XXXX XXXX  how the money owed was not under my name and they refused to move the holds to the correct account and because the amount of the hold is more than double the total amount owed. This is outrageous because no one answers the phone calls. I am looking into taking legal action against both banks and debt collectors

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
Im writing because Ive found incorrect and potentially damaging information on my credit report, and I need it addressed immediately. 

Specifically, there is an account listed that I either do not recognize, did not authorize, or contains data that does not accurately reflect my financial activity. Im disputing the validity of this information and demanding a formal investigation into how and why it ended up associated with my name and credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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