vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
I am writing to formally inform you of a previous dispute and request the deletion of several accounts that were included in a legally discharged through XXXX XXXX XXXX XXXXiled on XXXX XXXX, XXXX. I disputed it with the bureaus on XX/XX/XXXX. 

The bureaus are required to report all information accurately, and there are several errors with these accounts. I also requested that they do their research on the accounts listed below. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c ( a ) ( 1 ), any adverse information, such as charge-offs or late payments, must be reported accurately and not in a misleading or outdated manner. Additionally, under 15 U.S. Code 1681i, you are required to reinvestigate any items I dispute within XXXX days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per FCRA guidelines , furnishing inaccurate post-bankruptcy information is considered misleading and unlawful. Courts have upheld that continuing to report negative payment history on debts discharged in bankruptcy may violate consumer rights ( see In re XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX. XXXX XXXX ). 



Action Requested : Update each account to reflect : Included in Bankruptcy {$0.00} Balance Discharged Remove any charge-off, past due, or collection status associated with these accounts Ensure that your reporting is consistent with FCRA and bankruptcy laws Please send me written confirmation that these corrections have been made. I have included a copy of my bankruptcy discharge paperwork and a copy of my government-issued ID for verification. 



Thank you for your time and prompt attention to this 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 non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally inform you of a previous dispute and request the deletion of several accounts that were included in a legally discharged through XXXX XXXX XXXX XXXXiled on XXXX XXXX, XXXX. I disputed it with the bureaus on XX/XX/XXXX. 

The bureaus are required to report all information accurately, and there are several errors with these accounts. I also requested that they do their research on the accounts listed below. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c ( a ) ( 1 ), any adverse information, such as charge-offs or late payments, must be reported accurately and not in a misleading or outdated manner. Additionally, under 15 U.S. Code 1681i, you are required to reinvestigate any items I dispute within XXXX days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Per FCRA guidelines , furnishing inaccurate post-bankruptcy information is considered misleading and unlawful. Courts have upheld that continuing to report negative payment history on debts discharged in bankruptcy may violate consumer rights ( see In re XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX. XXXX XXXX ). 



Action Requested : Update each account to reflect : Included in Bankruptcy {$0.00} Balance Discharged Remove any charge-off, past due, or collection status associated with these accounts Ensure that your reporting is consistent with FCRA and bankruptcy laws Please send me written confirmation that these corrections have been made. I have included a copy of my bankruptcy discharge paperwork and a copy of my government-issued ID for verification. 



Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX, i noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these negative accounts impacting my score, these accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Transunion { credit XXXX } I request information -not payment history. please respond through the CFPB

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a truist business checking account which is recently opened. For almost everything, Truist expect me to run to it's branch - well that is not possible. I have to go to the branch to make the deposit. Online access worked... now that is not working. When called the Truist customer service at around XXXXXXXX XXXX  central time-there is interactive voice response which never let me go past it. disgusting

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested for Capital One Credit to send me verification on how payment was made to this account in 2019 over 10 times so that I may review it. This account has been reflecting on my credit reports for over 7 years without valid proof and it is illegal to report not only a false amount owed, it is illegal to report that I made any payments on this account to extend the life of this accounts reporting capabilities. Capital One sends me a document thanking me for contacting them as if this correspondence assists with what was requested. It is uploaded for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-13 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I previously disputed this charged-off account through the CFPB portal under complaint ID # [ insert your original ID if you want or leave out ]. Despite the dispute, this account remains listed negatively on both XXXX  and TransUnion, with a past due balance of {$350.00} and a status of charged-off. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), furnishers and bureaus are required to maintain maximum possible accuracy. If a consumer disputes a tradeline and no verifiable documentation is provided by the furnisher, the tradeline must be removed. 

Additionally, under 15 U.S.C. 1681c and 1681i, continued reporting without proper reinvestigation violates my right to accuracy and due process. 

I have not received proof of a valid debt, contract, or authorization for this accounts continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called customer service yesterday ( XX/XX/XXXX ) and spoke to four different people and 2 of the 4 being supervisors at capital one bank regarding my credit card. Four of those people that I spoke to stated that I can still use my credit card and my account is still open if I make a payment of {$210.00}. They also told me I could use my credit card today ( XX/XX/XXXX ) at midday. However, when I called them today, they stated that my account needs to be reviewed and that they will decide to on the XXXX rather to keep my account open. I was lied to four times by four individuals yesterday in order to take money from me even though they knew I needed my money for rent and food. I told them multiple times to the four individuals that I need this money for rent and food and that I can make a full payment if I can use the credit card for rent and food. I have no money for rent and food now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking at my credit report and noticed there are hard inquiries that are not mine on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-13 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A handyman I hired for home repairs had permission to use my card for {$300.00} in purchases for said repairs, because I had COVID and was unable to leave my house/bed. While I was too sick to supervise, he used the card to charge almost {$2500.00} in personal purchases, including getting cash from his barber. As soon as I realized what was happening I put a stop to everything, fired him, and reported the charges ( approximately 60-70 transactions ) to Bank of America . I have filed a report with the police, who wrote it up as " embezzlement '' but then later said it's a civil issue. Bank of America agreed that about {$1100.00} ( approximately - I don't remember the exact numbers but I can look them up ) of the charges were fraudulent and reversed the charges. But they insist that the remainder of the charges are valid, despite it all being the exact same incident, and some of it being on the same day. ( E.g., they refunded one of the cash advances from his barber but allowed two others to remain. ) Most of his transactions were in another city, and I am XXXX, so it's very difficult for me to navigate going back and forth to try to sort this out with the police, and he gave me a false address so I can't even take him to small claims court ( and he wouldn't pay even if I did ). I have begged for someone to explain why they say some of the charges are fraud and others are not and all I get is the same answer, that the card was present when the purchases were made. At this point I'm afraid that they're going to say " Okay, we're going to change our minds on the others, now we say NONE of them were fraudulent. '' I'm applying for XXXX and currently have no income, and this is an enormous hardship for me, causing a flare up of my XXXX XXXX Any assistance you can give will be appreciated.

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 2025-05-13 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: AL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXXXXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX 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 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 2025-05-13 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: NC

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am writing to formally express my deep frustration and disappointment with the XXXX XXXX XXXX XXXX XXXX XXXX I attended in XXXX XXXX. When I enrolled, I was repeatedly assured by instructors, XXXX, and career advisors that I would be employer-ready upon completion and would receive career support to secure at least an entry-level job. Unfortunately, none of those promises were fulfilled. 



Throughout the program, I struggled to receive adequate support. I had difficulty getting connected to a career advisor, and when I finally was marked as employer-ready, that status was later inexplicably revoked. Since completing the program, Ive made numerous attempts to reach out for assistance all of which went unanswered until very recently, when someone finally responded. Its been nearly XXXX years, and I still have not secured a job iXXXX XXXX as promised. 



To make matters worse, I am now facing significant financial hardship due to the loan I was encouraged and essentially forced to take out for a program that did not deliver on its commitments. I dont believe it is right that I am responsible for a large balance when I did not receive the services, support, or outcomes that were promised. 



Since the program ended : Ive had to take jobs outside of the field just to survive, including XXXX I do not enjoy. 
My mother nearly died of XXXX, forcing me out of work for months. 
Ive taken multiple leaves of absence due to dXXXX XXXX XXXX XXXX XXXX 
Im now facing the risk of homelessness due to the burden of this debt. 




Despite all of this, Ive done my best to seek support and a fair resolution and received nothing in return. I am now requesting, formally and firmly, either : A full refund, or A partial refund and loan adjustment based on the lack of services and false promises made during the course. 






I have tried SEVERAL times to contact you, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. To resolve this. Which in turn I get thrown in a pinball machine .. that is absolutely not right. This is leaving me financially screwed and about homeless. Because not a single source is offering assistance.Which is why Im requesting this This issue is not just financial it affects my entire well-being. Resolving it would have a direct positive impact on my mental and physical health, and help me regain some stability in my life. 



I will be moving forward with a formal dispute of the loan partial or full write off or refund through all available channels. 



I hope you take this seriously, as I will not let this matter go ignored any longer. 

They tell you to reach out to the loan vendor of the service and they just point back to several other entities. I dont wan na help you either. They tell you that you can get it consolidated, but every company that you reach out to the consolidate the loan doesnt wan na deal with it

Company response to consumer: Closed with explanation