vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: DE

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) was repossessed by XXXX XXXX XXXX XXXXXXXX XXXX XXXX ), acting as an agent of Capital One Auto Finance XXXX The recovery reference was # XXXX, and I was told I must pay {$14000.00} to reinstate the account and retrieve the vehicle. 

I immediately submitted multiple good-faith requests to Capital One asking for : A copy of the original signed contract ( wet-ink version ) A full breakdown and accounting of how the {$14000.00} was calculated Verification that Capital One still holds the note and has legal right to repossess Proof of lawful authority or court order for the repossession No documentation has been provided.

The repossession and demand for reinstatement without any verified claim violates consumer protection law, including 15 U.S. Code 1692g, which requires validation of debt. It also appears to be a violation of my due process rights and may constitute conversion of private property.

I believe this is a case of : Unlawful repossession without legal authority Arbitrary and unsupported financial demands Noncompliance with federal debt collection laws Bad faith handling of a consumer contract I am requesting immediate oversight and investigation by the CFPB. I have also filed a sworn affidavit and am notifying the Texas Attorney General. This vehicle should be returned, and all demands removed unless Capital One can validate every element of their claim with documentation, not assumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I received a mailed communication from Asset Recovery Solutions regarding a purported debt. I responded via certified mail on XX/XX/year>, requesting full debt validation. I sent follow-up letters on XX/XX/year>, reiterating my request for the following documentation : The original creditors name and full account number A copy of the original signed agreement bearing my signature A full itemized payment history Proof of assignment and ownership of the debt A breakdown of all fees, charges, and interest applied The date of charge-off Asset Recovery responded on XX/XX/XXXX and again on XX/XX/year>, each time providing the same incomplete documents : account statements, interest details, and a letter from XXXX XXXXXXXX stating the debt was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXXnot to Asset Recovery Solutions. 

I addressed the insufficiency of their XX/XX/XXXX response in my Final Notice of Non-Compliance, dated XX/XX/year>. Their XX/XX/XXXX response failed again to provide the required validation and remains inadequate under federal validation standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
Sallie Mae keeps calling my relatives multiple times a week. I call every month and make a payment and have an arrangement set up. This goes against FDCPA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
I signed the appropriate document provided by First Citizens XXXX  to cancel the Escrow Account and this has not been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
Hi I recently saw my credit score on my XX/XX/XXXXhas drastically went down because of incorrect information from Mohela for XXXX different loan amount {$1.00}, XXXX and XXXX for XXXX.. I took loans out many years ago with the XXXX XXXX XXXXXX/XX/XXXX .. these loans were paid off at. The school also closed at the XX/XX/XXXX location

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Yesterday, XX/XX/XXXX at XXXX XXXX, I received a call from someone claiming to be from Wells Fargo 's Fraud Department. They had full access to my personal information- my full name, phone number, email address, home address, account number and details about my transactions- all without me ever giving it to them. 
I did not share my login credentials, card PIN, or give explicit authorization for any transaction. They convinced me that I was being protected from fraud. 
During this call, they manipulated my account access and transferred my savings to my checking account, after they transferred all my money from my Wells Fargo debit card to my XXXX XXXX, and then from my XXXX XXXX to an external account. 
I believe my account was accessed or spoofed using compromised credentials or a form of social engineering, and I was misled under false pretenses. 
I did not knowingly or willingly authorize these transfers.This was a scam involving impersonation and unauthorized account access. 
The number that called me was XXXX I am requesting Wells Fargo initiate a Regulation E dispute for unauthorized electronic fund transfers, as I was a victim of fraud and this transaction was not properly authorized under federal law. 

Thank you.

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 2025-07-10 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00}

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On, or about, XX/XX/XXXX, and through XX/XX/XXXX, unauthorized purchases took place on my credit builder account. Once I noticed the discrepancies on my statement, I filed a dispute on XX/XX/XXXX. During this process I wasn't advised of any next steps or time frames for resolution, outside of the fact that they will try to resolve the dispute within XXXX business days but it could take longer. XXXX weeks later on or about XX/XX/XXXX. I contacted chime via telephone and was reassured that although I wouldn't be getting provisional credit, the dispute have been submitted for a charge back to the merchant and I would be getting a resolution on or before XX/XX/XXXX. Today I contacted chime on XX/XX/XXXX. Now I am being told that the information I was given was wrong and a resolution is scheduled for the end of XXXX. Not having access to the funds that I transferred to this account from my checking account in order to fund living expenses such as gas to commute to work and groceries is costing a financial hardship especially with minor children in the household depending on me. 

I feel like XXXX of the XXXX agents I spoke with or more has lied to me and the last agent I spoke with today refused to escalate the matter to anyone else, even though I asked multiple times during our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : TRANSUNION Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$72000.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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 2025-07-10 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CashRepublic Holdings, Inc.
State: DC

Complaint narrative:
I am currently XXXX XXXX XXXX  since XX/XX/XXXX. I took out a loan with XXXX XXXX in XX/XX/XXXX. The loan was paid on time by allotment with my military payment system ( XXXX  ) account, but XXXX XXXX has reported that I have missed XXXX payments to all credit bureaus which has negatively impacted my credit payment history. The loan number is XXXX, and I have contacted XXXX XXXX multiple times to assist in updating this negative report with no help. Please assist me in fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comnety bank/XXXX  card is charging interest on balance that is paid off because of their billing cycle. I paid off the balance of the card then I get hit with a interest rate of {$2.00} after the have taken the money from my account and the balance is {$0.00}. This is the 2nd bread financial account I have had this happen with. No notification or info telling me about this before doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Procedural Demand Under Section XXXX of the FCRA To Whom It May Concern, This is a formal demand pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), requesting a complete description of the procedures used in your reinvestigation of disputed items on my credit report. 
On XX/XX/XXXX, I submitted a dispute for the following item ( XXXX ) : Creditor NaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX Nature of Dispute : inaccurate or unverifiable accounts Under federal law, you are required to provide : The method of verification The sources contacted Copies of any documentation used You have XXXX calendar days from receipt of this request to comply. Failure to respond fully and timely may result in my pursuit of statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees under XXXX of the FCRA. 
Please send all correspondence to the address below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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