vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
On XX/XX/XXXX an IRA Transfer Request was submitted to First National Bank of Omaha for about {$63000.00}. The account was requested to be closed and funds to be sent to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Co XXXX. Account was closed on XX/XX/XXXX and a check was mailed through XXXX, no tracking number was provided. On XX/XX/XXXX, update was requested and was then told nothing could be done until XX/XX/XXXX. Funds were sent with no tracking and I am currently losing over XXXX days of interest.

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 2025-11-07 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:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously had an auto loan that was paid off in full by the insurance company after a total loss. However, this account is still showing a remaining balance on my credit report. Please investigate this matter and update the account status to reflect a {$0.00} balance and paid/closed, or remove the account if it can not be verified. 

Other Accounts Past the Statute of Limitations : I have also requested validation of several other accounts that I believe are beyond the statute of limitations for collection or reporting. I have not received a response or verification from the creditors within the required timeframe. As such, I am requesting that these accounts be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously had an auto loan that was paid off in full by the insurance company after a total loss. However, this account is still showing a remaining balance on my credit report. Please investigate this matter and update the account status to reflect a {$0.00} balance and paid/closed, or remove the account if it can not be verified. 

Other Accounts Past the Statute of Limitations : I have also requested validation of several other accounts that I believe are beyond the statute of limitations for collection or reporting. I have not received a response or verification from the creditors within the required timeframe. As such, I am requesting that these accounts be deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA )

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 2025-11-07 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: AL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute Bankruptcy Case # XXXX Date : XX/XX/year> Balance : {$0.00} Dispute Summary : Experian continues to report a bankruptcy that I believe is inaccurate or has been fully discharged. The status and date are inconsistent with court records. Please verify directly with the bankruptcy court and remove if it can not be verified as active or valid. 

Inquiries in Dispute There are multiple inquiries from auto lenders and credit issuers that appear repetitive or without permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( various dealerships ), XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

I request verification that all listed inquiries were authorized by me. If not, they must be deleted from my report. 

Late Payments in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These late payments are inaccurate or not supported by documentation. Please verify or remove them.

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 2025-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Trusted Mortgage Capital Inc
State: AZ

Complaint narrative:
-The mailer states that a rate of 4.49 % is available with an APR of also 4.49 %, which would have XXXX fees or cost. This is not a rate available on the market without signification discount points being paid. 

-The mailer states this is a notice from the VA as a VA Interest Rate Reduction Notice with the letters VA additionally in large font in the background. Nowhere in the mailer that is disclose that they are not part of the VA or have no affiliation with the VA. 

-The mailer states the client is pre-approved even though they have never spoken with her or taking any qualification data from her. 

-The mailer lists the benefit of deferring payments which is a specifically prohibited practice. 

-The mailer lists the benefit of getting impounds reimbursements which is a specifically prohibited practice.

-The Mailer asks the client to contact your government loan specialist, implying this is correspondence with the government and not disclosing it is a solicitation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: TX

Complaint narrative:
Subject : Urgent Demand for Resolution Defective Vehicle and Lack of Assistance Dear XXXX XXXX XXXX, I am writing to formally express my deep concern and disappointment regarding the handling of my vehicle issues and the lack of communication from your company since XX/XX/year>. Despite multiple attempts to reach out via email and phone, I have yet to receive a meaningful response or resolution. 

Since the second or third day after purchasing this vehicle, I have been unable to operate it safely due to ongoing defects. I reported these issues immediately and was assured that XXXX and XXXX would assist, yet those assurances have not been honored. Instead, I have continued to make payments totaling over {$8000.00} for a vehicle that has been inoperable and unsafe since purchase. 

The vehicles defects placed my familys livesincluding my children and husbandat risk on XXXX separate occasions. As a XXXX individual, this situation has also caused significant emotional distress and prevented me from attending important medical appointments due to the lack of transportation. 

To clarify, I do not wish to surrender or return the vehicle. I want to keep my car and resume regular payments once it has been properly repaired and restored to safe, working condition. My goal has always been resolution, not confrontation. Unfortunately, your companys approach has been focused on demanding payment and repossession instead of communicating, understanding, or assisting with the underlying issues. 

I have complete documentation, service records, and correspondence that demonstrate your companys repeated failure to address these defects and respond to my concerns. It is unacceptable for an XXXX to contact me as if I lack the means or representation to pursue legal action. I have an attorney and am fully prepared to escalate this matter if necessary. 

At this point, I am requesting one of the following resolutions within XXXX ( XXXX ) days of this letter : 1. Immediate authorization and completion of all necessary repairs so that the vehicle is fully safe and operational, followed by reinstatement of my regular loan payments. 
2. A reasonable settlement offer or loan adjustment that acknowledges the hardship, safety risks, and financial losses caused by this ongoing situation. 

If I do not receive a written response or resolution within XXXX days, my attorney will proceed with formal legal action. I prefer to resolve this amicably and professionally, but continued inaction leaves me no alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported information is erroneous and creates a false impression of my financial responsibility. Kindly correct it and update my file.

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 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EMG ACQUISITION GROUP, LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, this company called 33 times, left so many voice-mail that I had to clear my voice mailbox 3 times.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-07 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-07 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I opened a Synchrony Home credit account through XXXX XXXX for a no interest if paid in full promotion. The salesperson told me it was interest-free financing but did not explain that deferred interest would be charged retroactively if the balance was not paid in full by the expiration date. 

I have been making regular automatic payments for over a year. However, in XX/XX/year>, I was suddenly charged {$1200.00} in interest without any prior notice that the promotional period was ending. After that, Synchrony continued to add monthly interest charges ( {$88.00} in XXXX, {$96.00} in XXXX, and {$92.00} in XXXX ). 

I never received any email, mail, or statement notice informing me of the upcoming expiration or any change in interest terms. This practice is misleading and unfair. 

I request that Synchrony review and refund the retroactive and subsequent interest charges and improve their disclosure and notification process.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credits are charged off no reason to be on credit report Bank statement does not need to be on credit report charged off XXXX fitness charged off no need to be on the report XXXX remove from credit report, I am currently working with them.

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 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have tried for years to get this resolved. Monday XX/XX/year> I called and requested everything that they have that states they have any business with me. Over the years I have received letters threatening me of law suits for a debit that was over 10 years ago at the time and now is almost 15 years. In the past I would receive multiple calls a day trying to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am reporting a fraudulent account that appeared on my credit report without my knowledge or authorization. The account includes : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Balance {$6600.00} Reported XX/XX/year> I have never opened or authorized any of these accounts. I submitted formal disputes with XXXX XXXX XXXX XXXX and attached my signed identity affidavit and ID Copies. Due to the government site for theft reports being down during the shutdown, I'm filing this complaint to ensure these accounts are investigated and removed under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation