vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent account on my credit report that I did not authorize. This account was not opened by me and appears to be the result of identity theft. 

The fraudulent account includes : XXXX XXXX Credit Card Opened on XX/XX/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
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, a {$45000.00} IRS tax refund was deposited into my XXXX XXXX XXXX account. Within hours, my account was suddenly restricted with no notice. I only found out when I attempted to make a purchase and called Capital One. 

I was told my account was under review and a fraud investigator would contact me within XXXX hours that was XXXX days ago. Ive called daily, and every time Im told its under review with no further details, timeline, or resolution. 

Ive already spent approximately {$3000.00} of the deposit, which proves it initially cleared. The deposit is 100 % legitimate and in my name. 

This lack of communication and continued hold is causing financial hardship. Im worried they may return the funds to the IRS without cause. I want my account unlocked or, if closed, the remaining balance mailed to me immediately. I have bills to pay need to move my son out and by my car I would of never used capital one for my refund if I was aware of this being able to happen most banks can lift restrictions after proving any necessary documents etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: King of Credit Financial, Inc
State: GA

Complaint narrative:
I have tried to trade my car in 2 different times but the loan company gives false information about the loan saying I owe XXXX dollars more than I do actually. They say I am responsible for the new transmission they paid to have put in my car after I brought it and the transmission went out. I told them their warranty department handled that and I'm not responsible for repaying it. They lied and said I purchased an as is vehicle. When I look in my credit report the added amount is not there however they have reported my payments falsely. The show me as having not paid for over a year. This is false information. Additionally they repossessed my car last week after speaking to me and being told I was making my payment the next day. That night they repossessed my car. I was behind 50 days at the time but I had a history of making my payments monthly for over 2 years. They could have made arrangements when I told them I was paying the next day to start the payment and take me out of repossession or at least inform me that I was in repossession status but they never did either. And they are reporting false information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Request for Verification of Account DetailsAccount Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my XXXX  credit report dated XX/XX/year>. 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681s-2 ), I respectfully request that you provide the following : The date of delinquency associated with the account ; The date the account was charged off, if applicable ; The date of last payment received on the account ; The current status of the account ( e.g., charged off, paid, settled, etc. ). 

Please provide your full response in writing within thirty ( 30 ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act. 

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter. 

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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Torriere Holdings INC
State: CA

Complaint narrative:
Contacted my previous employer who i've been separated from for over a year, as well as my XXXX XXXX who i have not seen in XXXX years. I don't even have her phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
This complaint is against the CRA 's regarding account XXXX. I sent a dispute to the collection agency, and they said they would remove this account, but I am still seeing it on my credit report. I also sent a dispute letter to the CRA 's in XXXX informing them of this and they still failed to remove this account. The company sent me correspondence XX/XX/scrub>XXXX XXXX XXXX which was forwarded so I'm confused as to why this account is still reporting. Attached is the letter from XXXX XXXX XXXX. I am demanding that this account is removed from my credit report immediately.

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 2025-05-03 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: TX

Complaint narrative:
This complaint is against the CRA 's regarding account XXXX. I sent a dispute to the collection agency, and they said they would remove this account, but I am still seeing it on my credit report. I also sent a dispute letter to the CRA 's in XXXX informing them of this and they still failed to remove this account. The company sent me correspondence XX/XX/scrub>XXXX XXXX XXXX which was forwarded so I'm confused as to why this account is still reporting. Attached is the letter from XXXX XXXX XXXX. I am demanding that this account is removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
OnXX/XX/XXXX, I disputed the XXXX XXXX XXXX account with Experian, Equifax, and TransUnion. I submitted a dispute letter, ID, and proof of address. I requested validation, including a signed contract, itemized balance, and proof they owned the debt and had the right to report it. 

None of the credit bureaus provided that information. Equifax and Experian marked it as verified, and Experian only added consumer disputes. TransUnion reports XXXX as the original creditor, which is XXXX XXXX is the actual creditor. 

There are also major inconsistencies in account numbers, statuses ( open vs. collections ), terms, and original creditor names across all three bureaus. This violates FCRA XXXX, XXXX, and XXXX, and possibly FDCPA XXXX. 

I am requesting deletion and damages and plan to file civil complaints and arbitration if not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MD

Complaint narrative:
OnXX/XX/XXXX, I disputed the XXXX XXXX XXXX account with Experian, Equifax, and TransUnion. I submitted a dispute letter, ID, and proof of address. I requested validation, including a signed contract, itemized balance, and proof they owned the debt and had the right to report it. 

None of the credit bureaus provided that information. Equifax and Experian marked it as verified, and Experian only added consumer disputes. TransUnion reports XXXX as the original creditor, which is XXXX XXXX is the actual creditor. 

There are also major inconsistencies in account numbers, statuses ( open vs. collections ), terms, and original creditor names across all three bureaus. This violates FCRA XXXX, XXXX, and XXXX, and possibly FDCPA XXXX. 

I am requesting deletion and damages and plan to file civil complaints and arbitration if not resolved.

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 2025-05-04 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: KS

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXi, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. These are they accounts I marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Bank, 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
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA XXXX ( f ) ( XXXX U.S.C. XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XXXX of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOE XXXX  XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DOE XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL 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 2025-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I asked the company to provide me with documentation to be able to write the debt off but never received the requested information and its been 93 days

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 2025-05-03 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

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 2025-05-04 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: GA

Complaint narrative:
I am a victim of identity theft. A fraudulent auto loan account with XXXX XXXX XXXXXXXX was opened using my personal information and a fake drivers license. I have submitted a police report ( Case # XXXX ) and formally disputed this account with all three credit bureaus. Despite my efforts and documentation, XXXX XXXX XXXX continues to report this account as accurate on my TransUnion and Experian credit reports. This account is not mine, and I am requesting immediate removal as required under the Fair Credit Reporting Act.

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 2025-05-03 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: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX * * on my credit report. This account is currently reporting a balance of {$4000.00}, whereas the original creditor has confirmed in writing that the account was charged off at {$3500.00}. You were notified in a dispute letter sent XX/XX/year>. This letter is attached which is dated and time stamped. I have attached the correspondence verifying this discrepancy. Additionally, your reporting practices violate the FCRA and FDCPA by inaccurately listing a XXXX past due status and payment history, despite the fact that collection accounts are not permitted to report late payments or a past-due status. This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking litigation or monetary relief at this time, if this matter is not resolved within XXXX days, I will escalate this issue to my attorney for further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax and TransUnion regarding the inaccurate reporting of account XXXX XXXX XXXX * * on my credit report. This account is currently reporting a balance of {$4000.00}, whereas the original creditor has confirmed in writing that the account was charged off at {$3500.00}. You were notified in a dispute letter sent XX/XX/year>. This letter is attached which is dated and time stamped. I have attached the correspondence verifying this discrepancy. Additionally, your reporting practices violate the FCRA and FDCPA by inaccurately listing a XXXX past due status and payment history, despite the fact that collection accounts are not permitted to report late payments or a past-due status. This is a clear violation of federal law and misrepresents the nature of the debt. I am formally requesting that this account be immediately removed from my credit report. While I am not seeking litigation or monetary relief at this time, if this matter is not resolved within XXXX days, I will escalate this issue to my attorney for further legal action.

Company response to consumer: Closed with non-monetary relief