vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: MA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  ( XXXX ), XXXX. sent me multiple written responses about a disputed account ending in XXXX. 
In one letter, XXXX XXXX stated that on XX/XX/XXXX, we correctly reported your accounts current balance as {$5200.00}. 
In another letter of the same date, XXXX XXXX stated that your account charged off on XX/XX/XXXX. 
These two positions are contradictory. An account can not be both charged off and have a current balance. 
The inaccurate, incomplete, and unverifiable reporting continues to appear on my TransUnion credit report. 

I acknowledge that the account appears under my name ; however, the way XXXX XXXX and TransUnion are reporting it is inaccurate, contradictory, and unverifiable. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ).

Despite my formal dispute and certified demand letter dated XX/XX/XXXX, neither company has provided validation or corrected the error within the statutory time frame. 

I request that the CFPB require XXXX XXXX and TransUnion to produce verifiable documentationsuch as the original signed agreement and full account historyor delete the tradeline entirely. Supporting evidence, including correspondence, exhibits, and certified mail receipts, is attached in my dossier.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I paid off this vehicle but the information is being reported inaccurately. I contacted transunion and ask them to do a better investigation with the company and furnished me with proof. They told Me they were not going to do that.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX  has fraudulently withheld my funds without justification. I deposited checks from my employer, XXXX XXXX, and I have already provided proof that these checks were legitimate and issued to me. XXXX XXXX has even emailed XXXX  directly with his drivers license and phone number, confirming that he wrote the checks and inviting XXXX  to contact him if they had any questions. Despite this, XXXX has failed to contact him or take any action to release my funds since XX/XX/year>. 

Details of the Issue : XXXX  has placed a prolonged hold on my funds, stating that the process will take XXXX or more days. This is unreasonable and has caused me significant harm. Because my funds were frozen, I was unable to make credit card payments tied to my XXXX account, resulting in chargeback fees, late payment penalties, and credit damage. I have also received a XXXX notice to pay rent or quit because I could not access my money to pay my landlord. 

Impact : Financial loss due to fees and penalties. 

XXXX XXXX and inability to sleep due to XXXX. 

Economic hardship and potential housing instability. 

Requested Resolution : I am requesting that : XXXX immediately release the funds from my account. 

BMO reimburse me for all chargeback and late payment fees resulting from their delay. 

The CFPB investigate XXXX  handling of this matter for potential fraud, negligence, and failure to respond to provided documentation. 

Contact Information : Please contact me directly for supporting documentation, including : Copies of the checks XXXX XXXX XXXX email Correspondence with XXXX  Notices received due to XXXX XXXX Thank you for your attention to this urgent matter.

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 2025-11-02 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: PNC Bank N.A.
State: PA

Complaint narrative:
I recently put my credit report and noticed multiple fraudulent inquiries that I have no knowledge of these inquiries need to be removed immediately this is XXXX of many attempts to remove these unauthorized inquiries. Please help me get these taken care of immediately thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Branch Messenger, Inc.
State: MD

Complaint narrative:
My identity was stolen in XXXX along with my drivers license Social Security card and birth certificate. I really certainly received my consumers report XX/XX/XXXX and this company had popped up On there, I have no knowledge or want anything to do with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX  XXXX Customer Data Security Breach Litigation XXXX XXXX XXXX XXXX No. XXXX ). 

I am an ACTIVE XXXX MILITANT that was impacted by Equifax Data Breach and also XXXX XXXX. My NAME, DOB, SSN, ADDRESS, DRIVERS LICENSE, BANK DETAILS AND CARD NUMBERS WAS IMPACTED AND STOLEN. 

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Equifax Inc. for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Equifax Inc. continues to report the following inaccurate information on my consumer credit report : I have previously disputed inaccurate items with Equifax Inc a ) Consumer Portfolio Recovery : # XXXX : {$2000.00} Opened XX/XX/XXXX b XXXX XXXX XXXX XXXX  XXXX : # xxx {$520.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX ) XXXX XXXX Bank XXXX : # xxx {$400.00} : Allegedly Opened : XX/XX/XXXX d ) XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} : Allegedly Opened : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$600.00} : Allegedly Opened : XX/XX/XXXX f ) XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} : Allegedly Opened : XX/XX/XXXX The continued reporting of these accounts raises multiple violations : A. Late Payments : Violating 15 U.S.C. 1681a ( 2Xi ) and related provisions.

B. Permissible Purpose Requirements : Violating 15 U.S.C. 1681b.

C. Furnisher Responsibilities : Violating 15 U.S.C. 1681 ( s ) -2.

D. Accuracy Standards : Violating 15 U.S.C. 1681e ( b ) and 1681i ( 5 ) ( a ).

E. Verification Requirements : Violating 15 U.S.C. 1681i ( 7 ).

F. Furnished Inaccurate Data & Ignored Investigations : Violating 15 U.S.C. 1681 ( s ) - ( 2 ) ( b ).

Despite my reasonable investigation requests, Equifax Inc has failed to : Conduct a reasonable reinvestigation as required by law Correct or delete the inaccurate information Provide me with adequate documentation supporting the accuracy of these accounts Comply with statutory obligations under the Fair Credit Reporting Act ( FCRA ) Equifax Inc. violates VIOLATION : 15 U.S.C. 1681i : INVESTIGATION PROCEDURES Equifax Inc. dispute investigations are FRAUDULENT : a ) Form letter responses claiming verified WITHOUT investigation b ) PREDETERMINED outcomes regardless of dispute legitimacy c ) REFUSAL to delete unverifiable accounts as required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase bank account was closed without any valid explanation. I was not informed of any violation or suspicious activity. I contacted Chase customer service, but they could not provide a clear reason. I am requesting CFPB to review this matter and help me obtain a proper explanation or resolution. please i would like my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have asked Experian, Transunion, and Equifax to reinvestigate The following hard inquiries : Transunion : XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX  XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX # XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX  XX/XX/XXXX Transunion : XXXX XXXX  XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX VIA XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

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 2025-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
The company has the loan as being delinquent on my credit report when the loan was actually paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: IL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NY

Complaint narrative:
Ive ordered a new card and XXXX XXXX locked it for no reason Im old of age bills are piling up I just want to use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-11-02 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: DC

Complaint narrative:
XX/XX/year> TransUnion Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear TransUnion, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done.

The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report. 

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act. 
I anticipate your prompt attention to this matter and expect a comprehensive response within 15 business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 

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 2025-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Despite my existing XXXX XXXX policy, the lender force-placed an insurance policy on my account after a representative confirmed receipt of my policy information. I am disputing the lender-placed insurance on my account. I maintained continuous homeowner 's insurance through XXXX XXXX, and a representative previously confirmed our company 's receipt of my policy information. The force-placed policy was therefore placed in error. Email from my agent at XXXX XXXX : " Attached you will find the previous policys as well as the current policy. Please update and send confirmation. The Forced place insurance should have never been charged. Both the client and myself have provided documentation of such several times. Please follow up with us and send confirmation of processing. '' To assist and expedite my refund, my agent requested and provided a letter of experience letter to highlight covergae dates, dating back to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/year>, Resurgent Capital Services, acting on behalf of LVNV Funding LLC, responded to my prior CFPB inquiry regarding an alleged XXXX Banks account. Their only documentation was an internal Account XXXX Report, which fails to meet the validation requirements of FDCPA 809 ( b ). 

The company did not produce a signed contract, a full transaction history, or a legally executed assignment of ownership from XXXX Banks to LVNV Funding LLC. Therefore, the alleged debt remains unvalidated and unverifiable. 

Under FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 compliance standards, a furnisher may not continue reporting information that can not be fully substantiated. Since Resurgent and LVNV have failed to provide lawful proof of ownership or accuracy, any continued furnishing constitutes false and misleading reporting. 

I am demanding that the CFPB require immediate deletion of this tradeline from Experian, Equifax, and TransUnion. This account must be permanently removed from all consumer credit reports and collection activity must cease until the furnisher can present complete, verifiable documentation establishing the validity and legal transfer of the account. 

This is a formal demand for deletion and suppression of the account due to non-compliance with the FDCPA, FCRA, and Metro 2 data-furnishing obligations

Company response to consumer: Closed with explanation