vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I was sent a e-check. I deposited the check Friday night around XXXX for a supposed company that wanted to hire me. My first call to TD Bank I explained the situation in its entirety because it was a large amount. All the lady told me was the check will clear Monday. That was one mistake they but not why I am filing a complaint. The second phone call on Monday I was told it will clear Tuesday. The third call I made the telephone representative confirm that once a check clears that there would be no further issue, that I was safe, she did. Her name is XXXX or so she said. The check cleared so I wired that amount to XXXX XXXX for supposed equipment for the job. It was all a scam. The bank made the various mistakes including clearing the check, although the account # on the check didnt even have enough numbers, I was told by the manager of their call center. One day after the checked cleared they then put my account in the negative for the mistake that they made. I had about XXXX in my account. Also Im waiting on a dispute to finalize from my extended warranty provider refusing to fix my car. They credited me XXXX but there is still another XXXX coming to me after the formalities. Long story short they cleared a bad check then reversed the funds after I already wired the money received. They need to give me my money, the XXXX now plus the XXXX later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
Approximately XX/XX/XXXX I was served with papers stating I was being sued for a loan taken out on XX/XX/XXXX by a company called Opportunity Financial. This loan was taken out online using my personal information. I did not authorize or apply for this loan, nor did it show up on my credit report until after I was served with the papers. I am in current litigation disputing this debt. This case is ongoing in court and was recently continued to XX/XX/XXXX. I filed an identity theft report with the FTC and submitted disputes to the credit bureaus. Despite this, Opportunity Financial continues to report the debt without properly labeling it as disputed, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) & Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ). Additionally, they added {$320.00} in new late fees, even though the matter is still under litigation & legally contested. They have also added derogatory payment history for every payment that was supposed to be made. They did all this after the last court date. Doing this has caused my credit score to drop XXXX points on XXXX and XXXX points with TransUnion, despite me not being responsible for this debt. The law firm handling this on behalf of the lender is : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information from my credit report have continuously been denied or disregarded. As a consumer, I am fully aware of my rights under the law, and I believe those rights are being violated by the reporting of information that does not meet the standard of maximum possible accuracy. This ongoing issue is unfairly damaging my credit score and negatively affecting many aspects of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CO

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 non-monetary relief
Consumer complaint received 2025-07-16 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I disputed it on my credit report and they refused to delete it. As I have or had an auto loan with them. I have no knowledge of this and will pursue other options if I need to

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 2025-07-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
on XX/XX/year> i called shellpoint servicing to help me gain access to my loan on there website. i was told no. i had to request access and have it mailed to me. the loan number that i have had since i got my loan wont work. i think they are trying to charge me extra fees. i also can not see if my payments are applied accurately. the staff there is very rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
Im writing to formally request the blocking of inaccurate and fraudulent information on my credit report in accordance with 15 U.S.C. 1681 C-2 OF THE Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the items listed below do not relate to any transaction I made or authorized. I am disputing several student loan accounts currently listed on my Transunion credit report under the servicer name XXXX. I have reason to believe that these accounts were opened without my knowledge, or are the result of identity theft. 

The following entries are unauthorized and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681i ) I am requesting that these accounts be investigated. If you are unable to verify their accuracy and legitimacy, they must be removed from my credit file. PER FCRA 1681 C-2 You are required to block the fraudulent information within 4 business days of receiving this request. Please provide information has been removed or blocked from my credit file. Thank you for the prompt attention to this matter. 
Attached are the following documents driver licenses, social security number, and proof of address. 
Please complete this investigation within 30 days of receipt of this letter, as required by law. I look forward to your response in writing. 

Sincerely, 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 2025-07-16 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: CO

Complaint narrative:
Im writing to formally request the blocking of inaccurate and fraudulent information on my credit report in accordance with 15 U.S.C. 1681 C-2 OF THE Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, and the items listed below do not relate to any transaction I made or authorized. I am disputing several student loan accounts currently listed on my Transunion credit report under the servicer name XXXX. I have reason to believe that these accounts were opened without my knowledge, or are the result of identity theft. 

The following entries are unauthorized and must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1000.00} Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C 1681i ) I am requesting that these accounts be investigated. If you are unable to verify their accuracy and legitimacy, they must be removed from my credit file. PER FCRA 1681 C-2 You are required to block the fraudulent information within 4 business days of receiving this request. Please provide information has been removed or blocked from my credit file. Thank you for the prompt attention to this matter. 
Attached are the following documents driver licenses, social security number, and proof of address. 
Please complete this investigation within 30 days of receipt of this letter, as required by law. I look forward to your response in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Subject : Urgent : CREDIT ACCEPTANCE Repeated Interest Charges and Payment Reversals on Account # XXXX Dear CFPB I am writing to formally express my concern regarding a persistent and unresolved issue with my auto loan account ( # XXXX ) for my XXXX XXXX XXXX. Over the past two years, I have been making consistent monthly payments, yet my loan balance remains largely unchanged. Upon reviewing my transaction history, I have noticed a troubling pattern of interest charges being added and then reversed, along with payments being inexplicably reversed as well. 

Here are specific examples from recent months : XX/XX/XXXX : Interest charge of {$68.00} was added ; a direct payment of {$430.00} was made the same day. 
XX/XX/XXXX : Interest charge of {$100.00} added ; a payment of {$200.00} was made. 
XX/XX/XXXX : My {$200.00} payment from XX/XX/XXXX was reversed, and an interest charge of {$100.00} was also reversed. 
XX/XX/XXXX : Another interest charge of {$130.00} appeared. 
XX/XX/XXXX : A payment of {$200.00} was posted, yet my balance barely reflects any principal reduction. 

Despite consistently paying on time ( or early ), these reversals and interest adjustments continue to appear without clear explanation. As a result, it feels like I am not making any meaningful progress toward paying off my loan. 

After nearly two years, this pattern has led me to believe there may be a systemic issue with how my payments are being applied. I respectfully request a full account audit and a written explanation of the following : XXXX. Why are payments and interest charges being reversed? 
XXXX. How are my payments being allocated between interest and principal? 
XXXX. A detailed amortization schedule showing the progression of my loan. 
XXXX. A resolution to ensure that future payments are applied correctly and fairly. 

This ongoing situation is not only frustrating but may also be affecting the true cost and timeline of my loan. I would appreciate a prompt investigation into this matter and a resolution that reflects the payments I have made. 





Account # : 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 2025-07-16 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:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
XX/XX/2025 I deposited two checks in the atm. They were checks from my XXXX I withdrew them due to me purchasing a home. On XX/XX/2025 I received an email stating my account was suspended. I called the number in the email and tried to explain the facts, he basically told me they would be closing my account i asked what was the problem didn't they verify the checks I stated I'm closing on my home in a few weeks and I needed my funds. He was very disrespectful and offered me nothing I could do. I hung up and called the number again, I asked what do I need to do i need my checks for my home. She then said I needed to file a security appeal form. I stated if I go into the branch could I get my checked back she said no. XXXXm very upset 1. Why wasn't checks verified before you suspended my acc. 2. Why Noone called me or my retirement company number on check. Why I'm I not allowed to deposit a large check because I'm XXXX. I feel very disrespected and causing me distress because someone didn't do there job. Im about to call a lawyer. If I lose my home due to them not doing there job. I can't change my closing schedule.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: National Account Systems of Omaha, LLC
State: TX

Complaint narrative:
this appeared on my credit report i dont anything and am a victim of identity identity theft

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 2025-07-16 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: CA

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am a victim of identity theft and have had a security freeze in place with TransUnion. Recently, I attempted to manage my credit freeze through TransUnions online Service Center portal. However, I was told by a TransUnion representative over the phone that I am no longer allowed to use the online portal to freeze or unfreeze my credit due to the identity theft on my file. I was informed that the only way I am allowed to freeze or unfreeze my credit is through calling or mailing requests. 

I explained that federal law ( Fair Credit Reporting Act ) requires that credit bureaus allow consumers to manage their credit freeze online or by phone. There is nothing in the law that states identity theft victims should be permanently denied online access. This restriction is causing me unnecessary inconvenience and delay in managing my own credit file. 

TransUnion representatives simply told me this is " their policy '' for identity theft victims. No clear justification or timeframe was provided for restoring my online access.

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