vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: GA

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 2025-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a dispute regarding accounts fraudulently reported on my credit profile. These accounts are not mine and were never authorized by me. Their inclusion is false, harmful, and a violation of my right to fair and accurate reporting. The longer they remain, the more damage they inflict on my financial credibility and reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted a prior compliant on XX/XX/year>. It was requested that i provide authorization without a proper way or method to do so and i was instructed in submitting another complaint. This is a violation of FCRA rights and i am disturbed that this tactic is being used to prevent accountability regarding Experian. I, XXXX XXXX, am filing this complaint regarding inaccurate and harmful information reported by XXXX XXXX XXXX to Experian. This account is being reported as a charge-off, but the information is inaccurate and fraudulent. Disputed Information Creditor : XXXX XXXX XXXX Account Type : Auto Loan / Financing Status Reported : Charge-Off Balance Owed : XXXX Reporting Bureau : Experian only Reasons for Dispute Identity Theft & XXXX  XXXX XXXX I was a confirmed victim of the XXXX  XXXX XXXX. This XXXX XXXX XXXX account is fraudulent and not mine. This tradeline is false and inaccurate. Violation of FCRA ( 15 USC 1681c-2 ) Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 , I have the right to have fraudulent information blocked from my credit report. Despite previous disputes, this account continues to appear. Missing 1099-C Documentation If XXXX XXXX XXXX is reporting a charge-off, they are legally required to issue a 1099-C Cancellation of Debt notice. I have never received such a notice, further proving the inaccuracy of this account. Harm Caused Ongoing negative impact to my Experian credit score. Loss of credit opportunities and financial harm. Emotional distress due to being inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX and Synchrony Bank responded that the bank transferred and/or sold the account to XXXX XXXX. That the card holder agreement stated this practiced. Despite the agreement the law is clear on the rights that XXXX XXXX obtains during this transfer. Furthermore is Synchrony Bank or any of their employees willing to testify under oath that Synchrony Bank indeed extend me a line of credit when issuing the credit card. I will be allotted to have a financial accounting expert to review this account to ensure the standards of XXXX and IRS XXXX codes for this specific account. I am requesting the bank to provide the transfer documents used during this transaction to inspect for my rights. 
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. 
( a ) An instrument is transferred when it is delivered by a person other than its issue r for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this XXXX and has only the rights of a partial assignee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ok so I have the keep the change active on Bank of America and the round up option in XXXX  both places have safe money from my account to the bank for years. Now that I try to have access to that money they say they dont have a different account where they transfer all the money but on the main page shows the amount I have safe for all this years. On Bank of America shows {$1400.00}.

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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, Discover processed XXXX identical payments of {$190.00} from my checking account, even though I only authorized XXXX. XXXX  payments cleared my bank on the same day. This error caused me to be short of nearly {$200.00}, which I urgently needed for my student loan payment. 

I immediately contacted Discover. They acknowledged the duplicate payment but said they will only refund the money by mailing a paper check. They refused to expedite the refund, reissue via ACH transfer, or allow an alternate secure delivery method. I do not have safe or reliable mail service at my current address, which makes this an unreasonable resolution. 

I am currently enrolled in a hardship program with Discover that restricts spending on my account, so I can not use the credit balance toward purchases. I urgently need the funds returned to my bank account to cover essential bills.

Requested Resolution : Immediate refund of the duplicate payment via ACH transfer to my bank account ( as Discover already has my account and routing information on file ).

If ACH is not possible, expedited check delivery to a secure location ( XXXX pickup or alternate mailing address ). 

This duplicate payment and Discovers refusal to issue a timely refund has caused severe financial hardship. I request the CFPBs assistance in ensuring Discover provides a prompt and reasonable resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
after looking over my Experian credit profile there is a self XXXX XXXX XXXX opened XX/XX/year> that's reporting {$720.00} but is paid and closed, and is also showing late payments on a account that's paid and closed. This is inaccurate, incomplete, and legally non compliant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This morning I attempted to deposit {$800.00} cash into the Truist ATM at the XXXX, NC XXXX. I placed XXXX {$100.00} bills onto the tray to deposit into my account. The ATM returned XXXX {$100.00} bills, and then stated that something went wrong and it was going to hold onto my money while I made a claim. We are at the bank attempting to get the money back, and we've been here for over an hour, still waiting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IN

Complaint narrative:
NELNET has failed to produce the Master Promissory Note on student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: F.H. Cann & Associates, Inc.
State: NY

Complaint narrative:
I wasn't notified of a failed payment for a loan that I was paying off, and as a result, the debt is reported in collections on my credit report. I paid off the loan in full with the collection agency today. However, they didn't notify me of a failed payment, and they told me that they don't report things to the credit bureau, but the credit bureau says they are the original creditor. I am getting misinformation and I was not notified of any changes to my debt with a letter, or a phone call, or an email. No one notified me or tried to call to get payment. The loan is paid off in full as of today XX/XX/year>. I paid {$320.00} to pay off the full loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
I object to certain listings on my credit profile that stem from accounts I did not authorize. Kindly review extensively and delete them. Documentation is enclosed for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
I called multiple time to request a payoff on the loan and was told I wasn't authorized. On XX/XX/XXXX a formal payoff request was sent to PHH Mortgage by my attorney. The company still refused to provide payoff information. After several more phone calls, I provided copies of the Trust and Executorship documents. Still no response. During the month of XXXX I have record of making XXXX calls to the company and never received any call or email response despite being told I would be contacted by a XXXX. On XX/XX/XXXX my attorney sent a formal letter via email stating if payoff was not received by Monday XX/XX/XXXX, we would be reporting the company to the CFPB. He also resent a copy of the Trust, Deed, Trustee documentation, death certificates and numerous other relevant documents. I am attaching his letter to the complaint. Company did not respond or acknowledge my attorney 's letter nor did they provide payoff by the XXXX. My attorney asked that I reach out one final time on XX/XX/XXXX. I was told the payoff had been sent although it was never received by myself or my attorney. They faxed a copy of the payoff to the attorney 's office which included over {$10.00} XXXX dollars in fees in addition to the payoff on the loan. Property was sold on XX/XX/XXXX and payoff was wired to and received by PHH the morning of next business day. On Friday XX/XX/XXXX, a week after sale of property and closing, PHH followed up saying we owed additional funds of {$1800.00} and if they were not received they would be returning payoff that was sent and would not release the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX which wells Fargo finance it. {$23000.00}. I was not offered gap insurance through wells Fargo. I was offered extended warranty. Which I purchased. My XXXX XXXX XXXX was totaled XX/XX/XXXX. My insurance paid {$8400.00} leaving me upside down. Wells Fargo didn't offer me gap insurance. I would like to be compensated for poor services. Thank 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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Subject : Continued Dispute PRA Account Ending in XXXX To Whom It May Concern, This letter is in response to your continued attempts to validate the above-referenced account. While you provided a transfer letter from XXXX  XXXX dated XX/XX/XXXX, this does not satisfy my request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ) 809. 

Specifically : XXXX. XXXX XXXX The last official billing statement I received directly from XXXX XXXX ( XX/XX/XXXX ) shows a balance of {$1800.00}. 
XXXX is attempting to collect {$2200.00}, nearly {$400.00} higher. 
No billing statements or accounting records have been provided to explain how this additional balance was calculated.

2. Insufficient Documentation The Notice of Sale from XXXX XXXX is not proof of the debt amount, only notice of transfer. 
A generic statement from PRA and a XXXX XXXX transfer letter do not meet the standard of debt validation.

3. Failure to Provide Requested Records I have repeatedly requested billing statements and an itemized breakdown of the alleged balance. To date, this request remains unanswered. 

Because PRA has not provided proper validation and the amount being reported is inflated, unexplained, and inaccurate, I continue to dispute this debt. Reporting this unvalidated amount to the credit bureaus violates the Fair Credit Reporting Act ( FCRA ), which requires reporting to be accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief