vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
XX/XX/year> I purchased 2 money orders. One in the amount of {$90.00} the other in the amount of {$34.00}. Totaling {$120.00}. These money orders were to be paid on my XXXX credit card. As of today XX/XX/year>. These money orders are no where to be found. Nor has my credit card company received these money orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I transferred funds from my XXXX account to my Wells Fargo XXXX Account on XX/XX/year>. As of XX/XX/year>, the funds still havent cleared for withdrawal. I was not given written notice of any hold or delay. Ive contacted Wells Fargo, but I have not received a clear explanation or resolution. This delay has caused inconvenience, missed payments and as well as financial impact.

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 2025-11-03 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: TX

Complaint narrative:
Account reported as being opened in XXXX of XXXX. The original delinquency for this account is XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: NY

Complaint narrative:
SallieMae does not allow customers to access their original signing agreements, promissory notes, or any documents showing the original loan agreement. If they want these, a special request has to be made, and each loan can take up to 20 days. this is basic information for borrowers that they should be able to readily access.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-03 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: IN

Complaint narrative:
Even though the balance has been cleared, the report still reflects late remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX PL, XXXX, LA XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
I got my vehicle back in XXXX on XX/XX/XXXX I had have my vehicle towed to XXXX which I was supposed to take it but didnt have proper equipment to fix it than it got towed to classic XXXX which was there a week sent back to unable to diagnoses it brought it back again same problem they fixed the fuel pump but it only lasted another week had to return vehicle to replace the fuel module the first part was covered which was the fuel pump but not the fuel module they wanted me catch up on car payment before they considered fixing it which was {$700.00} so I was supposed to pay for my car and car payment couldnt do both

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer XXXX XXXX  Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i disputed this account in my credit report numerous times and they keep telling me the information is correct. i attached files showing the collection account was paid in full and closed but they still show it open with a balance. the account is the XXXX XXXX  account ending in XXXX. the company illegally obtained a garnishment without me being notified at any point there was a court date till after the actual court date. i attached a file with proof of the garnishment and showing that is was paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, all information in my report must be accurate, complete, and verifiable. I am therefore requesting verification of these late payment records, and if they can not be substantiated, that they be amended or deleted.

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 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had the amount owed down to {$4000.00}. My identity was then stolen by someone who had access to my personal information. She made charges to the account that made the amount owed $ XXXX. I contacted the company with all the appropriate information and showed them that I had filed for identity theft. I wanted to pay the amount i owed which was the remaining {$4000.00}. Not the additional amounts that were charged by the thief. I requested the charges from the company after I was locked out of my account, hey refused to give me the information and actually gave the thief access over 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My personal Capital One checking account and savings account were frozen after a fraud flag was triggered when I transferred funds from my own XXXX  business account to my capital one checking account. The business, XXXX XXXX, is a single-member limited liability company registered in New Mexico XXXX XXXX XXXX ), of which I, XXXX XXXX XXXX , am the sole member and beneficial owner. 

The transfers in questionincluding several XXXX payments made in XXXX and XXXX XXXXwere legitimate owners draws from my XXXX XXXX  business account for XXXX XXXX into my personal Capital One account. There are no third parties involved. I have also included sample XXXX confirmation emails from XXXX XXXX  showing the transfers from XXXX XXXX to my Capital One account in my name. 

On XX/XX/year>, Capital Ones Customer Protection department confirmed receipt of my supporting documentation, which included a XXXX  verification letter, my XXXX  Operating Agreement, the IRS EIN confirmation letter, and the New Mexico Secretary of State filing. Despite providing complete documentation, my account remains blocked and I have not received any update or explanation regarding the timeline for review. I hereby attached the supporting documentation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently switched over to XXXX XXXX  after having used XXXX previously. I put my new checking account info into CapitalOne 's system and used it to pay off my credit card balance. A few days later I see that that the payment was returned for some reason, despite my account having easily enough to pay for the bill. I figure I must have somehow entered the routing/account info incorrectly and so I enter it again, taking care to make 100 % sure that it's correct. 

Once again it doesn't go through. This time CapitalOne immediately closed both of my accounts with them, citing that I'd used more than my credit limit after it was reset by my payment, which then returned. 

When I called CapitalOne to figure out how to get it fixed they reported that there was nothing that could be done -- but that I could pay the bill off if I want to. When I asked them why the payment hadn't gone through they weren't able to provide me with an answer, and suggested I contact my bank. I called XXXX 's disputes line and they didn't see any attempted charge from CapitalOne in their system. 

I've always paid my credit cards off on time and now my already low XXXX XXXX has taken a massive hit after I spent years meticulously rebuilding it, and I didn't do anything wrong. No one at CapitalOne cares in the slightest. No one at their support has any interest in this, apart from seeing that the bill gets paid. Can someone help me get this fixed? 

The dates/amounts of the returned payments were : Purchased : XX/XX/year> Posted : XX/XX/year> {$540.00} Purchased : XX/XX/year> Posted : XX/XX/year> {$63.00} Purchased : XX/XX/year> Posted : XX/XX/year> {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
Review your data on file for me right now and make sure it is accurate according to the Fair Credit Reporting Act and XXXX XXXX compliance standards! I demand that you correct any inaccuracies in my credit report immediately! Furthermore, I expect any inquiries within my credit profile to have a permissible purpose and be accurately sourced. Don't make me take further action to ensure my consumer rights are respected! 

CRDMGMCOMP - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Employer - XXXX XXXXXXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, LA XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX DPT ED/XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I never authorized its establishment or use. Supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
Good day. I am writing to file a complaint regarding inaccurate information on my Equifax credit report. The following accounts contain incorrect data, and I kindly request that these issues be audited and corrected at your earliest convenience. 

Accounts in Dispute : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Issue : Inaccurate reporting of a charged-off account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Issue : Inaccurate reporting of a charged-off account.

Company response to consumer: Closed with non-monetary relief