vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

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 2025-05-28 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-28 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: AZ

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for CFPB Investigation into Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an independent investigation into multiple inaccuracies and incomplete information on my credit reports. Despite numerous attempts on my partincluding submitting written disputes and supporting documentation to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) these issues remain unresolved.

The information in question continues to negatively affect my credit profile, despite my good faith efforts to correct it. I believe the credit bureaus have failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( FCRA ). 
For your review, I have enclosed documents that include copies of the disputed credit report entries. I have highlighted and outlined all inaccurate and incomplete information within the attached documentation for clarity. Also included are copies of my previous dispute letters and any responses I have received from the credit bureaus. 
I respectfully request that the CFPB investigate this matter directly and take appropriate action to ensure that my credit reports reflect only accurate and verifiable information. It is vital that the integrity of the credit reporting system be upheld, and that consumers like myself are not left without recourse. 
Thank you for your time and attention. I appreciate your assistance and look forward to your response. 
Enclosures : Highlighted and outlined copy of inaccurate credit report items Copies of previous dispute letters 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 non-monetary relief
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for CFPB Investigation into Inaccurate Credit Report Information To Whom It May Concern : I am writing to formally request that the Consumer Financial Protection Bureau ( CFPB ) initiate an independent investigation into multiple inaccuracies and incomplete information on my credit reports. Despite numerous attempts on my partincluding submitting written disputes and supporting documentation to the major credit reporting agencies ( Equifax, Experian, and TransUnion ) these issues remain unresolved.

The information in question continues to negatively affect my credit profile, despite my good faith efforts to correct it. I believe the credit bureaus have failed to conduct reasonable investigations as required by the Fair Credit Reporting Act ( FCRA ). 
For your review, I have enclosed documents that include copies of the disputed credit report entries. I have highlighted and outlined all inaccurate and incomplete information within the attached documentation for clarity. Also included are copies of my previous dispute letters and any responses I have received from the credit bureaus. 
I respectfully request that the CFPB investigate this matter directly and take appropriate action to ensure that my credit reports reflect only accurate and verifiable information. It is vital that the integrity of the credit reporting system be upheld, and that consumers like myself are not left without recourse. 
Thank you for your time and attention. I appreciate your assistance and look forward to your response. 
Enclosures : Highlighted and outlined copy of inaccurate credit report items Copies of previous dispute letters Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 recently reviewed my credit report and found inaccurate information that is negatively affecting my credit. I am writing to dispute the following item and ask that it be investigated and corrected or removed if it can not be verified.

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 2025-05-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and found inaccurate information that is negatively affecting my credit. I am writing to dispute the following item and ask that it be investigated and corrected or removed if it can not be verified.

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 2025-05-28 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:
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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Im paying XXXX XXXX interest. And Im XXXX XXXX military and have been in XXXX  for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
The name of the original creditor and details of the debt. 

The amount owed, including itemized details of any fees or interest applied. 

Proof that you are authorized to collect this debt. 

Copies of any agreements or documents supporting your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2025-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I contacted Bank of America on several occasions to take the {$68.00} out of my direct deposit that I owed and went into collection. After my third attempt of contacting them someone helped me and took the {$68.00} dollars out my account and I paid it off but the status on my credit report is still showing incorrect information. It's still showing that I owe {$68.00} dollars. I had my Bank of America account opened over 6 years and it's still in good standing. Could someone please correct my information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Re : Dispute of Verified Account Request for Method of Verification Dear XXXX XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX I am writing to file an official complaint regarding the verification of an account on my credit report that I believe has been inaccurately reported. I dispute the manner in which the account was verified, and I demand the removal of this negative account from my credit report based on the lack of adequate verification. 
I have requested a validation of this account multiple times with the credit reporting agencies, and although they have indicated that the account has been " verified, '' they have failed to provide any substantive evidence regarding the method of verification or the documentation used during their investigation. According to 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( III ), I am entitled to a clear explanation of the verification process used, and I am requesting the following : 1. The exact method of verification that was used to verify this account. 
XXXX. A detailed description of the procedures followed during the verification process. 
XXXX. All supporting documentation that was obtained during the " investigation '' that proves this account is reporting accurately, as required by law. 
If the credit reporting agencies can not provide valid, verifiable documentation proving the account is accurate or has been properly investigated, I am requesting immediate deletion of this account from my credit report. 
I am demanding a prompt and thorough response to my request. Failure to provide this critical information within the time frame outlined by law will leave me no choice but to pursue further legal action to protect my rights. I trust that you will treat this matter with the urgency and seriousness it deserves. 

Please provide confirmation of receipt of this letter and your intended course of action in addressing this dispute. If no proper verification or documentation can be provided, I expect the deletion of this account from my credit history as stipulated by 15 U.S. Code 1681i. 

Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
My ex-wife has no authority on XX/XX/XXXX to use that card. She took the card with her to another state without my knowledge. We have been separated according to her since XX/XX/year>.

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 2025-05-28 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: NY

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
For over a year, I have experienced ongoing overdraft fees from Truist Bank that appear to be the result of how they post transactions not based on the time of purchase, but in an order that seems to maximize fees. I frequently check my balance before making a purchase, and the account shows a positive balance at the time of the transaction. However, the bank later reorders transactions or delays posting, which causes my account to reflect a negative balance retroactively. As a result, Truist has charged me hundreds ( if not thousands ) of dollars in overdraft fees over time. 

I recently contacted customer service regarding a specific set of fees, and the representative acknowledged the posting policy but refused to reverse the charges. I requested a more detailed explanation and a manual review, which I was told would take 710 business days. Still, I find this practice deceptive, as it gives the customer a false sense of available funds and penalizes them after the fact.

I am submitting this complaint because I believe Truists transaction posting method is misleading and results in unfair overdraft penalties. I am requesting a full investigation and reimbursement of overdraft fees that were charged due to transaction posting practices especially when the available balance was positive at the time of my purchases.

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 2025-05-28 00:00:00
Product: Mortgage — VA 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: Freedom Mortgage Company
State: CA

Complaint narrative:
In general, the messaging system through the Freedom Mortgage website ( https : //www.freedommortgage.com/ ) seems intentionally confusing. 

You must select a topic from their list of pre-made topics, all of which are very limited. Some of the topics have a subtopic you have to select from. Seemly at random, if you click on certain topics, you will be automatically redirected to a FAQ page that says " click here for more information '' while completely closing out the message draft you had made and deleting any portion of the message you had typed out. 

People with in-depth questions are then forced to ask the question under sometimes inaccurate pre-maid topics that routes the question to the wrong entity within the company. When you send a message with an in-depth question, the company 's response to the message will be short, inaccurate and unhelpful, while not even trying to answer the question or trying to forward you to someone who may know the answer. 

After you get the poor response, they will mark the case as " resolved '' leaving no recourse to clarify the question with a response. You then have to start a whole new case, that will have the same poor topic choices, going to an unhelpful respondent who then closes your case after you receive another poor, inadequate response. 

This seems like a deliberate way to deny communication from the consumer to Freedom Mortgage through obfuscation, confusion and ambiguity.

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