vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
1. Company Youre Complaining About Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Type of Company : Consumer lender / Furnisher of credit information Accounts Involved : Account ID : XXXX Account ID : XXXX XXXX. What Happened? 

I am filing this complaint due to Possible Finances ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to XXXX accounts that have been falsely and repeatedly reported as XXXX  days late. I have never been late on either account. 

Since XX/XX/year>, I have submitted multiple written disputes and requests for verification. Despite this, XXXX XXXX has : Failed to correct the inaccurate derogatory reporting ; Failed to provide any documentary evidence to support the late payment claims ; Failed to provide a valid Method of Verification ( MOV ) as required under 15 U.S.C. 1681i ( a ) ( 7 ) ; Continued reporting this false information to credit bureaus ; Ignored that these accounts are linked to identity theft concerns. 

This conduct violates several provisions of the FCRA : 15 U.S.C. 1681s-2 ( b ) Failure to investigate and correct disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to reinvestigate within the 30-day period 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a Method of Verification 3. What Is the Impact on You? 

Due to the continued false reporting, I have suffered : Loss of housing opportunities and resulting periods of homelessness Inability to obtain reliable transportation due to credit-based denials Emotional distress, XXXX, and reputational harm Ongoing financial harm as a result of 34 months of inaccurate reporting I estimate the total damages incurred to be {$320000.00}, plus legal costs, based on FCRA statutory damages, economic losses, and emotional distress.

4. What Would You Like the Company to Do?

I am requesting the following actions : Immediate deletion of both accounts ( XXXX & XXXX ) from all credit reporting agencies ( XXXX, Experian, XXXX  ) ; If deletion is not possible, update the tradelines to reflect Paid as Agreed or Never Late status ; Provide written confirmation of the actions taken to XXXX. 

5. Have You Tried to Resolve This? 

Yes. I have sent multiple written disputes to XXXX XXXX since XX/XX/year>. I have received either no response or non-compliant responses that failed to address my legal concerns. The company has willfully ignored its responsibilities under the FCRA.

6. Attachments ( if submitting via PDF ) If you're uploading a document to CFPB : Include your Notice of Intent to Sue Include copies of dispute letters, credit reports, or non-response evidence ( email threads, XXXX confirmations, etc. )

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 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I financed a new vehicle through Truist Bank in XX/XX/year> and refinanced this vehicle through XXXX XXXX in XX/XX/year>. I sent the loan payoff check ( written by XXXX XXXX ) to Truist bank on XXXX XXXX but to this day ( XXXX XXXX ), my Truist account still is showing open and accruing interest. I called Truist multiple times to alert them of this issue, and they claimed they did not receive the check. After escalating this issue through multiple Truist managers, I was given an email address to contact their " lost payments '' department. I was prompted to work with my bank ( XXXX XXXX ) to provide a document that would validate my new ( refinanced ) loan began with XXXX XXXX on XXXX XXXX We determined my XXXX XXXX promissory note would suffice. To provide further context, I am already making payments to XXXX XXXX under our refinance agreement. It is also worth mentioning that I triple-confirmed the mailing address to Truist 's payoff department, so the error is not on my end ( with the exception of not utilizing certified mail ).

I emailed this department initially over one week ago with the required information and my promissory note and emailed them again this last Thursday to follow up, but I still have not heard back. I am very reasonable here - I simply want to resend a check through by bank ( this time via certified mail ) for the payoff amount that was effective XXXX XX/XX/year>. I should not be penalized for the ineptitude of Truist Bank ( Truist Bank suggested that I send a new payoff check for an amount that includes the interest that has accrued since XX/XX/XXXX ). Side note, this bank utilizes call centers in the XXXX which I find to be a security issue. Additionally, one of their agents accidentally revealed to me that their payoff department may just be this slow, and the check may be under their possession still. In any case, I find that lack of efficiency to be woefully unacceptable. 

I would appreciate anything the CFPB can do the rectify this issue. I have perfect credit and work very hard to maintain it, so naturally, this issue is creating great anxiety and discomfort for me. Truist Bank is among the worst.

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 2025-09-06 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
There was an credit attempt through XXXX made XXXX XXXX XXXX that was not me. I reached out to all XXXX bureaus and the inquiry was removed from Equifax and Experian. I am requesting that this inquiry be removed from transunion. I have never attempted to obtain credit through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC Bank wrongfully closed my business and personal accounts without sufficient cause. XXXX XXXX XXXX, the case manager who was assigned to my account, neglected to properly review my bank statements when evaluating source of funds. I provided a disclaimer that states that my business is legitimate and that no third-party processes were improperly influencing my account activity. She failed to consider my disclaimer that I emailed to her, and jumped to conclusions about my account activity. My explanation that no third-party is directing or controlling my account activity was ignored. XXXX XXXX also claimed that I was " bouncing money between accounts '', implying suspicious or illegal activity. This accusation is false and unfounded. All transfers were legitimate business activities : separating emergency funds from operational funds across my accounts. The accusation was made without reviewing my supporting evidence, including business formation and EIN documents, contracts, and invoices. My personal accounts were also closed without explanation, despite having no suspicious or unusual activity. There was no viable reason for these closures, and they are causing unnecessary financial disruption. Although my business is still growing and may not yet have consistent cash flow, it is a fully legitimate business. I have documents that demonstrate that my business is legitimate, including business formation documents, EIN documentation, screenshots of my website XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX contract with a business client and corresponding invoice. Please note that the attached contract is a draft intended for discussion purposes only ; the final update may be updated based on mutual agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am dispute in this account/information because my personal data was illegally accessed during the recent TransUnion data breach. I did not authorize this account/inquiries/address, and it is the results of identity. Compromise. Please investigate this matter. Remove an accurate information and update my credit report accordingly.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: GA

Complaint narrative:
I pulled my credit report and noticed items on my credit report that's not mine and I didn't authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : -Informative XX/XX/XXXX ( Transunion XXXX -XXXX XXXXXX/XX/XXXX ( Transunion ) XXXX XX/XX/XXXX ( Transunion )

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 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was scammed on the phone into buying {$1400.00} in XXXX XXXX XXXX cards using my USAA debit card in exchange for a {$5000.00} loan, which the scammers agreed to provide but did not. When reported to the USAA Federal Savings Bank, USAA posted a {$1400.00} provisional credit and thirty days later removed the credit without completing a full investigation.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was alerted to a collections account on my Transunion account ( which was locked ) from XXXX XXXX XXXX XXXX for a loan I did not open. I have no knowledge of this loan, nor did I open it. I have not been contacted by the company at all and do not have any information on how to get in touch with them. Researching it I found that the loan is from 12 Dollar loan center and apparently was taken out in XXXX of XXXX. I have filed disputes with Transunion and XXXX. This is the second time someone was able to use my Transunion account to obtain a loan even though it is locked and I can not even access 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 explanation
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information being reported by the credit bureaus ( Experian, Equifax, and TransUnion ) on my XXXX  XXXX account ( ending in XXXX XXXX 

Specifically, the credit bureaus are reporting a late payment for XX/XX/year>2025. This reporting is inaccurate and incomplete because : My account history shows inconsistencies between the creditors records and what is being reported to the bureaus. 

The credit bureaus are obligated under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy.

The bureaus also have a duty under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a proper reinvestigation when a consumer disputes information.

Continuing to report information that can not be verified with complete records is a violation of these provisions.

I request that the CFPB investigate this matter, require the credit bureaus to : Conduct a proper reinvestigation with XXXX XXXX. 

Delete or correct the inaccurate late payment entry if XXXX XXXX can not fully verify it. 

Provide me with a written response confirming the results. 

Thank you for your assistance in protecting my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information being reported by the credit bureaus ( Experian, Equifax, and TransUnion ) on my XXXX  XXXX account ( ending in XXXX XXXX 

Specifically, the credit bureaus are reporting a late payment for XX/XX/year>2025. This reporting is inaccurate and incomplete because : My account history shows inconsistencies between the creditors records and what is being reported to the bureaus. 

The credit bureaus are obligated under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy.

The bureaus also have a duty under FCRA 611 ( 15 U.S.C. 1681i ) to conduct a proper reinvestigation when a consumer disputes information.

Continuing to report information that can not be verified with complete records is a violation of these provisions.

I request that the CFPB investigate this matter, require the credit bureaus to : Conduct a proper reinvestigation with XXXX XXXX. 

Delete or correct the inaccurate late payment entry if XXXX XXXX can not fully verify it. 

Provide me with a written response confirming the results. 

Thank you for your assistance in protecting my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX is reporting a repossession acct # XXXXXXXX XXXX XXXX XXXX XXXX  that does not belong to me. they have not provided a contract from the alleged car dealer. I never received any repossession notices. the address ( es ) they have do not belong to me. I have no documents to upload because I never received any.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
I am writing to formally dispute several negative and inaccurate items appearing on my Experian credit report dated XX/XX/year>2025 These items are being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), and related consumer protection laws.

Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information about consumers without proper authorization. I have not given authorization for the extensive and damaging reporting of derogatory information. Therefore, the continued furnishing of this information to Experian is a violation of my privacy and consumer rights.

Additionally, the FCRA ( 15 U.S.C. 1681i ) requires consumer reporting agencies to ensure maximum possible accuracy of information. The accounts listed below contain late payments, charge-offs, or derogatory reporting that I dispute as inaccurate, incomplete, or unverifiable : XXXX XXXX  ( multiple accounts ) reported as charged off with repeated derogatory notations XXXX XXXX XXXX XXXX XXXX reported with 60, 90, and 120 day lates XXXX XXXX XXXX reported with four late payments before closure XXXX XXXX reported with a 30-day late These reports cause undue harm to my creditworthiness and violate my right to accurate and fair reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed some things on my credit report of late fees and balances that high. Not sure if this is my correct info.

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 2025-09-06 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: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts that is currently reporting to my credit report is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$320.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$790.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} -XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} The above accounts has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting on my Experian credit report concerning the account listed under Westlake Financial Services ( Auto Loan, Account # XXXX ). 

The following issues violate my rights under the Fair Credit Reporting Act ( FCRA ) : Future-dated delinquency My report shows {$5900.00} past due as of XX/XX/XXXX, which is factually impossible since the account has not been updated since XX/XX/XXXX. Reporting inaccurate dates violates FCRA 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Charge-off reporting errors The account reflects both a charge-off and an ongoing past due balance, which is inconsistent with standard credit reporting rules and creates a misleading impression of continuing delinquency. 
If XXXX re-aging / multiple charge-off notations The payment history displays repeated XXXX XXXXXXXX XXXX XXXX through XXXX. This artificially extends the derogatory impact of the account and violates FCRA 605 ( c ), which prohibits re-aging or extending the reporting period.

Missing original creditor information The report fails to list the original creditor, depriving me of the ability to validate or investigate the debt. This violates FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX  had a data breach and my account has been affected. This needs to be removed my credit report.

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