vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
My bank account was hacked from someone from a website called XXXX XXXX XXXX  My bank ( RENASANT BANK ) in XXXX Mississippi allowed money out of my account on XX/XX/year> of {$120.00} On XX/XX/year> my account paid out {$120.00} twice the same day! 
On XX/XX/year> RENASANT Bank sent a text message saying a fraudulent transaction was trying to get {$100.00} out of my account that the fraudulent transactions had already occurred three times before.

My account was now overdrawn and frozen after RENASANT paid the previous payments from my account!

I contacted the bank and filed a complaint!

Two weeks went by and I contacted the bank only to find out that the bank WOULD NOT REFUND my money!

They told me that the fraudsters told them I had a relationship with them! 
XXXX XXXX XXXXXXXX on the internet shows they are an advertising campaign company that helps companies get advertising! Phone number XXXX They only gave me a phone number to call this company! 
I tried calling the number multiple times and only got a message that I dialed an incorrect number! 
I have tried calling RENASANT Bank only to get no response multiple times! 
I live in social security that this fraudster took XXXX of my income a month! 
I dont know if you can help!

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-15 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-15 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:
I have this account from XXXX XXXX XXXX on my Experian credit report for {$1000.00}. It says it's from XXXX XXXX XXXX, but I don't recognize this debt as mine or I'm not sure if it's accurate. I disputed it before and they said it's verified, but I still disagree and don't think it's my account. 

Can you please make them prove this is really my debt? Like show the original paperwork I signed with XXXX XXXX, all the payment records, and how they bought it. If they can't prove it 100 %, please have it removed from my credit report. 

This is hurting my credit score and I just want my report to be correct. Thank you for helping.

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 2025-12-15 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: NC

Complaint narrative:
I am filing this complaint to dispute inaccurate, incomplete, and unverifiable information currently reported by TransUnion. The reporting of the items below does not meet the accuracy requirements of the Fair Credit Reporting Act. 

XXXX Accounts ( Disputed ) XXXX XXXX Account XXXX. XXXX | Opened XX/XX/XXXX | Balance {$1700.00} XXXX XXXX XXXX Account No. XXXX | Opened XX/XX/XXXX | Balance {$210.00} Unauthorized / Inaccurate Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I received a {$700.00} loan from Post Lake Lending approximately a XXXX XXXX. I guess I didn't read the fine print because at this point, I have paid them an additional {$3000.00} back on top of the {$700.00} that I borrowed bringing my grand total to almost {$4000.00}. My APR is XXXX  %. I am not writing this to get out of having to pay the remainder, but I am writing this in the hopes that this is stopped in the future or that someone like me doesn't get scammed out of so much money. This is predatory & should not be allowed. Regardless of the fact that it is a tribal loan ; it's not right. I'm a single mom trying hard to stay up with my bills & you have companies like this promising to help you out only making your already bad situation that much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccuracies and inconsistencies in the rental information reported by XXXX XXXX to the credit and rental reporting agencies. Upon reviewing my rental report, I have identified errors that do not accurately reflect my rental history or account status. 

Specifically, the following discrepancies require immediate attention and correction : Incorrect balance amount reported on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: OH

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit file has been mixed with a lady name XXXX XXXX with different Social Security numbers as mine i would ask that these accounts be removed from my credit report with all three credit bureaus. Due to inconsistencies with the credit report i must insist that this account be removed from credit report due to the inconsistent being report. Consumer Reporting Agencies play a crucial role in reporting consumer. It is imperative that this information be reported with the utmost accuracy. I request a thorough investigation into these discrepancies and urge you to provide evidence. If unable to furnish such proof, i demand that this account be deleted from credit report within the 30 day time frame under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Today ( XXXX ) my credit rating dropped significantly i checked why and its because capitol one is reporting incorrect totals and giving future dates a week from now. it seems illegal to report incorrect amounts on dates XXXX  days away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I'm writing to address a concerning issue regarding the recent practices of the debt collector involved with my account. Unfortunately, it has come to my attention that they've engaged in unjustifiable actions that directly violate the Fair Debt Collection Practices Act ( FDCPA ). To begin with, they furnished an account that I did not agree upon, nor did I sign any agreement related to it. As you know, a legal contract requires the consent and signatures of both parties involved, and I did not participate in any such agreement. Moreover, they failed to adhere to the proper 5-step validation procedure as outlined by the FDCPA. According to the FDCPA, I am entitled to compensation for these violations. It is evident that they've infringed upon my rights and abused my privileges. Therefore, I demand that this account be removed immediately. These errors are not only impacting my credit worthiness but are also causing significant issues as I pursue the purchase of a home. I urge you to take swift action to rectify this situation and ensure that such violations do not occur in the future. Please confirm the removal of this account at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am filing a formal complaint against XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information regarding an auto loan account across multiple credit bureaus. 

This account is being reported with multiple conflicting versions, making it impossible to determine which informationif anyis accurate. The inconsistencies include : Three different versions of the same account appearing across the credit bureaus Conflicting Last Activity Dates, including both XX/XX/XXXX and XX/XX/XXXX, which is impossible for a single closed account Payment history discrepancies, including months reported as 120 days late, XXXX, XXXX, and other inconsistent late-payment codes Conflicting account statuses, reported variously as : Repossession Involuntary Repossession Merchandise Taken Back by Grantor A past-due balance of {$7900.00} being reported even though the account is closed, which is inaccurate if the vehicle was repossessed and sold Terms count and months reviewed do not match across bureaus Due to these conflicts, the account is unverifiable and should not be reported. 

Additionally, the loan involved predatory lending practices, including unfair and misleading terms that were not properly disclosed at signing. XXXX XXXX has failed to ensure that the information they are furnishing is accurate, complete, or verifiable. 

Despite disputes submitted, XXXX XXXX has continued to furnish inaccurate data, in violation of the Fair Credit Reporting Act ( FCRA ).

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove this erroneously reported late payment and update the account accordingly.

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 2025-12-15 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: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I am filing this complaint because Comenity Bank is furnishing inaccurate and incomplete information to the credit reporting agencies and has failed to conduct a lawful reinvestigation under the Fair Credit Reporting Act. Comenity created an address error during the XXXX XXXX credit application process, never provided me with an account number or card, and then refused to accept my payment attempts because they required me to verify an address that they would not disclose to me. I had no way to supply the address they demanded since they never informed me what address they had on file. Despite these facts Comenity is reporting late payments on an account I could not and still can not access. 

At the XXXX point of sale I provided my identification and signed for the credit line. Comenity never mailed the card, never mailed an account number, and never provided any disclosures. When I received a bill without an account number I contacted Comenity to make a payment. Their representative refused to accept the payment because I could not verify the address in their system. The representative would not tell me what address they had stored and therefore I had no way to verify my identity or satisfy the requirement they imposed. 

I disputed the account with both Comenity, XXXX  and XXXX. Comenitys response stated only that the balance was verified. They did not address the fact that they never provided the card or account number. They did not address the fact that they demanded verification of an undisclosed address. They did not address their refusal to accept my payment. They did not address the resulting inaccurate and harmful negative reporting. Their reinvestigation was incomplete and unreasonable under FCRA 611 and 623.

Comenitys actions have damaged my credit by reporting late payments on an account that I was prevented from accessing because they required verification of information they would not disclose. I am requesting the assistance of the CFPB in compelling a full and lawful investigation and the correction of all inaccurate information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt from XXXX keeps popping back under different collections. I paid this debt off when it was it was assigned to XXXX XXXX XXXX. We agreed on a settlement amount of {$1300.00} with taxes included. I paid this amount on XX/XX/year>. I took a screenshot of the transaction because this debt was showing up on my credit and me and my now wife were trying to get into an apartment, I sent the screenshot to her after paying it. I have attached the screenshot of that transaction. I don't have an actual receipt of it because it was over 5 years ago and I delete my emails. We're trying to buy a house now and this is showing up once again even though it was paid back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I deposited a refund check issued by XXXX XXXX regionally accredited educational institutioninto my Capital One account. The check is legitimate and drawn from an institutional account, not a personal one. 

I was told by a Capital One representative over the weekend that I could call back and speak with the XXXX XXXX department to help verify the check and potentially expedite the hold. However, when I followed up, I was routed to someone in the XXXX XXXX team who insisted there was no such department and that there was nothing they could do. I received contradictory information from different reps and was denied access to anyone with actual authority to review or resolve the issue. 

I also attempted to escalate the issue to Capital Ones executive resolution team. I was told to email a specific address, which bounced back. Ive since tried calling and emailing again, but the issue remains unresolved and opaque.

Company response to consumer: Closed with explanation