vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. I am requesting that these items be investigated and removed or corrected as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. 

The following items on my credit report are inaccurate or incomplete : Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXXXXXX Amount : {$2400.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form. 
Requested Action : 1099 c form or remove account 2. Creditor Name : XXXX XXXXXXXX Amount : {$2400.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form.

Requested action : 1099 c form and remove charge off XXXX. Creditor name : XXXX XXXX Amount : {$880.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form. This account is also settled/paid in full.

Requested action : 1099 c form and remove charge off 4.Creditor name : XXXX XXXX XXXXXXXX XXXX {$1700.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form.

Requested action : 1099 c form and remove charge off 5. Creditor name : XXXXXXXX XXXX XXXXXXXX : {$1200.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form.

Requested action : 1099 c form and remove charge off 6. Creditor name : XXXX XXXX XXXX : {$650.00} Issue : The account shows a charge off multiple times and I did not receive a 1099 c form.

Requested action : 1099 c form and remove charge off As required by FCRA 1681i ( a ), please conduct a reasonable investigation into these items. If the items can not be verified within 30 days, they must be deleted from my credit report. Please also provide written confirmation of your investigation and the outcome. 

This letter is being sent in good faith and is not an acknowledgment of liability. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my rights. 

Please send a written response to the address listed above.

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 2025-06-04 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My Kohl 's account was transferred to Capital One in XXXX. I got a letter stating I would receive a new card and it never came. I called in XXXX and they said the card had not been sent because my account is inactive ( which was untrue, I use Kohl 's card every month and can prove this ). They said they would send the card. It came two weeks later, one for me and a second card for my son who was a secondary account holder. In XXXX of this year, I received a letter from Capital One stating that my account would be suspended if I did not provide the DOB of my son. I immediately called and they were rude and said they could not speak to me that my son had to call. My son called and they said they had the information and there must be a mistake. I called again to be sure and they asked me to confirm his DOB, I did and they said they had it and everything was fine. My account was suspended, I have no available credit and I can't use the card. I spend over an hour on the phone with them today, and my son talked to them today. The issue is still not resolved and they have failed to provide me anything I have requested. This has caused me harm, it is their mistake. I can't use my Kohl 's reward card and I have wasted way too much time trying to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NM

Complaint narrative:
Experian is reporting late payment notations on multiple accounts that either have XXXX past due balances or are marked as closed and paid with no outstanding amounts. The accounts include XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), both of which are closed and paid with XXXX balances and past dues. Additionally, XXXX XXXX  ( account ending in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) show past due dates of XX/XX/year>, and XX/XX/year>, respectively, but both report past due balances of {$0.00}. 

These contradictory entrieslate payment flags paired with zero balancesare confusing and misleading, raising serious concerns about the accuracy and completeness of the information reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, Experian is required to ensure that all information in my credit report is accurate, complete, and verified. The presence of these conflicting details suggests that proper verification may not have occurred before these entries were published.

Considering the increasing prevalence of data breaches and errors within credit reporting systems, it is highly likely that these inaccuracies stem from data mishandling or systemic issues. This erroneous reporting unfairly damages my creditworthiness and misrepresents my payment history.

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 2025-06-04 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:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Last week ( Thursday or Friday ) XXXX I received a fraud alert for a payment to IHC for {$300.00} and the explanation from America First Credit Union was that the cvv was entered incorrectlythe thing is I had saved the card info to my account and it worked fine before that. I tried ordering a burger from XXXXXXXX ( {$7.00} ) and same thing so I went in to the branch on XXXX XXXX in XXXX on XXXX and got a new card and the same problem. They cut up the second card and gave me a card with different expiration date and cvv, that appeared to work. However there are still several pending transactions that are days old so Im not sure what is happening. Their explanation was that it was the business fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
URGENT : Disputed Account Reporting Inaccurately After Investigation- Mortgage Pending - Supervisor Demand for Expediate Creditors Names : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX From {$930.00} to {$0.00} XXXX XXXX XXXX XXXX Acct XXXX Ending XXXX From {$1000.00} to {$0.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX From {$690.00} to {$0.00} Issue : The current balances is reported inaccurately. As of XX/XX/year>, the correct balance should be {$0.00} not the amount currently listed. Under FCRA 607 ( b ), you are required to ensure maximum possible accuracy in credit reporting. I also remind you of your obligations under FCRA 611 to investigate this dispute and correct or delete any inaccurate or unverifiable information immediately.

The inaccuracy persists despite and investigation and I need it corrected urgently for mortgage underwriting. 

I request and demand expedited handling, I need a rush response within 4 days. 

Enclosed are documents supporting my claim : Letter from creditors, copy of credit report, ID, utility bill, screen shot of what is reported, Experian credit report.

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 2025-06-04 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I am reaching out to request the CFPBs assistance in ensuring that the Transunion properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was close for fraud that I dnt know about

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 2025-06-04 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:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear CFPB, I am submitting this complaint to report what I believe to be unfair and abusive debt collection practices by LVNV Funding, a company that claims to have acquired a loan account originally held by XXXX. This is in the amount of {$49000.00}. 

While I acknowledge that I owe a balance on my XXXX loan, I was actively in communication with XXXX and in the process of negotiating a settlement/payment plan when I discovered that the account had been sold to LVNV Funding. I was not made aware of this transfer in advance, and the abrupt change severely disrupted my efforts to resolve the matter in good faith. 

Since acquiring the account, LVNV Funding has been harassing me with frequent phone calls and text messages, and they have even threatened to report the debt to the credit bureaus if I did not comply. They have now followed through on that threat and reported the balance as a collection account, which has significantly impacted my credit profile. 

I believe this action is not only premature, given the ongoing negotiation with the original creditor, but also unethical and damaging. The collection account was added without any meaningful opportunity for me to dispute or resolve the debt before the credit reporting occurred. 

I am requesting that this situation be investigated and that they be held accountable for any violations of the Fair Debt Collection Practices Act ( FDCPA ), including harassment and improper credit reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: CA

Complaint narrative:
So in XXXX a loan was taken out in amount of XXXX from a online payday loan company called XXXXXXXX XXXX then they cliam that i did NOT contact them at all which is not true. I informed them my bank account was hacked into and my bank is currently monitoring my account and working on some upgrades and I am not able to have withdrawls come out then they claim that on XXXX XXXX, they emailed me something i checked every email from sunshine loans nothing stated they was sending to a company called XXXX asset. which means they never sent me a Validation as they are required to and verify that i got it. Then said they send a letter out, because i get Informed delivery through USPS I see ALL mail not a things. So i spoke to a rep at unity asset asking why i did not see a letter of validation from them she said because we are NOT a collection agency we just service the account for them meaning if we cant get ahold of someone we are required to tell them what next we recommend, that i speak to XXXX XXXX again so i called them due to the fact Unit asset said that thye are NOT a collection agency when asked why i didn't receive a notice from unity asset or from Sunshine loans I got hung up on and when i called back and spoke to XXXX XXXX a supervisor at XXXX XXXX XXXX she said correct we are NOT collecting on a debt and we are NOT a collection agency were are just someone who tries to collect payment on account. I said okay so by law aren't you still required to let me know your calling to collect a debt ... and are you or are you NOT requires to send notice once you receive account the supervisor said ill set up payment and then let company know what you said and hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Name XXXX XXXX XXXX Date - XXXX DOB- XXXX SSN- XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

Sign : 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Turning Point Solutions LLC
State: GA

Complaint narrative:
A derogatory account was added to my business credit report related to a returned check ( # XXXX ) allegedly tied to XXXX XXXX XXXX XXXX. The check was voided by a stop payment, and the matter was fully resolvedPeach State was paid in full directly. 

Despite this, the item appears to have been reported by Advanced Capital Solutions and is showing as a delinquent account on our business credit profile. This is incorrect and is actively affecting our ability to obtain business credit and leasing. 

On XX/XX/year>, I submitted a formal dispute to Advanced Capital Solutions under the Fair Credit Reporting Act ( FCRA ), both by email and certified mail ( XXXX XXXX # : XXXX ). I included supporting documentation : vendor confirmation, proof of stop payment, replacement payment, and a letter from Certegy confirming they do not report to credit bureaus.

I have not received a response, and the inaccurate item remains on our business credit file. I am requesting that the CFPB investigate and ensure the incorrect item is corrected or removed.

Company response to consumer: Closed with explanation