vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
This is a formal dispute regarding billing and credit reporting errors that are negatively impacting my credit profile. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record payments and credits and provide proper notice before payments become due.

The following violations have occurred : Payments I made were not properly credited to my account.

Clear calculation errors are present in the reported balances.

I was not provided the legally required 21-day notice before a payment was due, rendering any late payment designations invalid.

These inaccuracies constitute a violation of federal law and are causing direct, unfair harm to my credit standing.

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 2025-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Paramount GR Holdings, LLC
State: UT

Complaint narrative:
Goodleap, LLC has been ignoring my requests, being condescending when responding, and refusing to provide updates on name change and reason why I can't assume loan under my own name since it's MY house, especially after divorce. 

This has started from XX/XX/year> to present. 
I have the email thread.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Finance America falsely reported a charge-off to credit bureaus, despite the fact that my account was fully paid and closed. This directly contradicts Kias own official letter dated XX/XX/year>, which states : Your account status is paid in full and closed. 

Violations and Contradictions : Payments were made in advance : A payment of {$210.00} for XXXX was applied on XX/XX/year>, as shown in Kias statement dated XX/XX/year>. 
A payment of {$1100.00} for XXXX was applied on XX/XX/year>. 
Therefore, both XXXX and XXXX payments were made before the due dates. 



Phone call with Kia on XX/XX/year> : A Kia representative clearly stated : Your account is current. The payments due on XX/XX/XXXX, XX/XX/XXXX, and partially XX/XX/XXXX have already been covered. Your next due date is XX/XX/XXXX. 
A system glitch is incorrectly showing your account as past due. 
I logged into my Kia account and saw a {$0.00} balance. Based on the representatives words and Kias prior behavior ( applying advance payments in XXXX ), I had every reason to believe they continued applying funds forward for XXXX, XXXX, and XXXX. I received no delinquency notices and saw no balance due online. 
XXXX report contradicts Kias claims : My XXXX  credit report shows the status XXXX for XX/XX/year>. 
This directly contradicts Kias CFPB response, where they claimed an unpaid balance of {$210.00} for XXXX XXXX contradiction from Kia : In their XX/XX/year> letter, XXXX states the account is fully paid and closed. 
Yet, in the same month, they report a Charge-Off to XXXXThis is a clear internal contradiction and constitutes false credit reporting.

Requested Actions : I respectfully request that CFPB : Require Kia Finance America to immediately remove the false Charge-Off status from all credit bureaus.

Investigate the reason for this discrepancy and confirm the false reporting.

Recognize that Kias actions constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Attachments : 1. Statement dated XX/XX/year> 2. Letter from Kia dated XX/XX/year> XXXX XXXX  credit report ( XX/XX/year> shows OK ) 4. Kias response to CFPB complaint XXXX XXXXXXXX XXXX. Transcript of phone call from XX/XX/year>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 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$86.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}

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 2025-08-08 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one account was restricted on XX/XX/XXXX XXXXsince then I cant touch my money.I called capital one customer service they told me they need time to investgate my account. On XX/XX/year> capital one withdrew all my account balance {$14000.00} and closed my account.But they refused to send me a check using the excuse that they can't verify my identity. I applied my capital one checking account used my passport and itin, I scaned my face, they confirmed every thing then they helped me opened my account, so it's not my problem. And why did capital one withdraw all my account balance on XX/XX/year> without my permission? Can bank withdraw their customer money without their customer permission? And since capital one already closed my account, they should respected the law send all the funds to me.There is no complaint on my account, how can they decide not to give back my money, what capital one bank did is a huge provocation to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: FL

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.

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 2025-08-08 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: AL

Complaint narrative:
Experian has failed to meet its obligation I need the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights as a consumer

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
{$400.00} bonus is not being re-verified within the 120 day window even though I have currently met all requirements. Only allowing 1 verification is deceptive and buried in fine print. I needed the money to pay bills so I withdrew to {$0.00} and had another direct deposit on the way.

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 2025-08-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 : 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 : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
I am writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, three XXXX transactions were charged to my XXXX XXXX credit cards : {$1600.00} XXXX  ending in XXXX ( Order # XXXX ) {$740.00} XXXX  ending in XXXX ( Order # XXXX ) {$910.00} Visa ending in XXXX ( Order # XXXX ) These transactions were processed approximately 20 minutes before XXXX locked my account due to suspected unauthorized access. On the same day, XXXX sent multiple written confirmations that all pending orders were canceled ( Canceled any pending orders. You can ignore any confirmation emails for these orders ) and instructed me to dispute the charges with my bank if they processed. 

I immediately called Chase to block the charges, but was told they could not stop them while pending. Over the next days I repeatedly contacted both XXXX and Chase, offering documentation proving : The orders were canceled before shipment. 

I had no access to my XXXX account to cancel them myself. 

The items were later delivered without a valid signature. 

I incurred nearly 3 months of storage fees to hold the items in case a return was required. 

Despite my first call making clear I had evidence, Chase closed all claims without ever requesting or reviewing my documentation. When I followed up, I was told the decision was based solely on the shipping and billing addresses matching, ignoring the written and recorded evidence I had. 

I have provided supporting documents named exactly as listed in my XXXX  Summary with Evidence References PDF, which is included for reference. This PDF guides you through each event with its corresponding document. The strongest evidence comes from XXXX own emails confirming cancellation and instructing me to ignore confirmation emails, as well as call logs showing my repeated attempts to stop the shipment. 

Some XXXX calls did not generate confirmation emails, but I have access to the complete call logs from XXXX and can provide them upon request. 

I also made good faith efforts to resolve this issue with both XXXX and Chase even after Chase reversed the temporary credit, but neither party resolved the problem. In fact, a Chase representative advised me that if I believed my case was valid, I should file a complaint with consumer protection authorities which is why I am submitting this complaint to CFPB. 

I am requesting CFPB assistance to require Chase to : Reopen all three disputes. 

Submit my documented evidence to XXXX for proper review. 

Refund the disputed amounts totaling {$3200.00} if XXXX finds in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Delete Account of my all Credit Report. ( Sent Letter to reported company to provide document with my signature to validate the debt. this company didn't provide any valid document with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-08 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
Accounts that were removed but added back to my credit report. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX...... These accounts were added back after being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, ZIP : XXXX, Illinois XXXX Phone : XXXX Email : XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  TransUnion / Account Number : XXXX Complaint Summary I am disputing inaccurate and/or unverifiable information currently appearing on my credit report. The item in question is : Account Name : [ XXXX XXXX XXXX ] Account Number : XXXX Reported Status : [ Charged-off, Collection ] Date Reported : XX/XX/XXXX The information is inaccurate because : [ Explain clearly : e.g., I have no recollection or record of this account and the creditor has failed to provide any documentation verifying its legitimacy. ] [ Or : The account was paid in full on [ date ], yet it is still reported as delinquent. ] [ Or : This account was the result of identity theft, and I have already filed an FTC Identity Theft Report. ] Actions Taken I have contacted the company previously on [ date ( s ) ] and requested validation under the Fair Credit Reporting Act ( FCRA ) 609 and reinvestigation under 611. The company has either failed to respond in a timely manner or has provided insufficient documentation.

Relief Requested I request the immediate deletion of this inaccurate information from my credit report as required under FCRA 611 if the furnisher can not provide complete and verifiable evidence of its accuracy.

Certification I certify under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge. 

Signature : XXXX XXXX XXXX XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief