vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX * * BALANCE : {$17000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX * * * BALANCE : {$11000.00}, XXXX XXXX XXXX * * * BALANCE {$14000.00}, XXXX XXXX  XXXX XXXX XXXX * * BALANCE {$19000.00}, XXXX XXXX XXXX * * BALANCE {$7500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I obtained a mortgage for a home in XXXX, XXXX XXXX, Arizona. My mortgage payments include an escrow for real estate taxes. I have paid all mortgage payments and I have paid them all on time. The mortgage was taken over by Mr. Cooper ( National Mortgage LLC ) at the end of XXXX. Real estate taxes were due on XX/XX/XXXX. The taxes were not paid by the XX/XX/XXXX due date. I spoke with the XXXX XXXX XXXX on XX/XX/XXXX and they confirmed that the taxes were not paid by the XX/XX/XXXX due date and were still not paid as of XX/XX/XXXX. I then telephoned Mr. Cooper and spoke with two persons including the escalation department and was informed that they are preparing to pay the taxes but have not paid them as of XX/XX/XXXX. Mr. Cooper claims that the the delinquency date is XX/XX/XXXX and therefore they have until XX/XX/XXXX to pay my real estate taxes. That is false. The due date for payment of real estate taxes in XXXX XXXX XXXX is XX/XX/XXXX. Mr. Cooper has withheld my escrow funds and they have withheld payment of my real estate taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one fraud department has put a restriction on my account citing fraud. I have provided several bank statements along with a verification letter from my bank and the restriction wont be listed. Capital one is asking for magical documentation that doesnt exist. I have had them on the phone with the bank as well and they can not tell the bank the exact document needed just that they are needing something but cant tell us what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Here at truist bank account of XXXX and some odd cents where privacy act invaded and forced sergation and frauded and in authorized transactions. Have nortarized affidavit that I brought to bank for money back from account but was discriminatied on.

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 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
At XXXX on XX/XX/scrub>/25 I went to Truist ATM on XXXX  XXXX XXXX in XXXX SC and deposited {$850.00} cash at which time the ATM returned {$550.00} and kept {$300.00} and did not credit it to my account. It gave me a receipt that said a error occured. I went to the bank and they filed a claim to have my {$300.00} cash returned but I have not received it yet.

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 monetary relief
Consumer complaint received 2025-04-15 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
They are sharing my information and account to collectors without my consent nor knowledge and harassing me about a charged off account that I no longer owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid off the balance on my credit card, using their web portal showing the payoff amount. I paid it in full and the account showed XXXX balance. 

After that I made no purchases and accrued no fees or interest. My balance remained at XXXX thru XX/XX/XXXX. 

On XX/XX/XXXX, Bank of America drafted my personal checking for {$1300.00} for a credit card payment. On an account with XXXX balance, XXXX purchases, and XXXX interest charges. This reduced my balance to negative - {$1300.00}. ON A CREDIT CARD. I don't loan money on a credit card. 

On XX/XX/XXXX, I requested an imediate refund, through their online support. I was told it couldn't be reversed, because I was enrolled in their autopay. I'm fine with autopay for my balance due, but they can't arbitrarilly pull {$1300.00} for a payment on an account that was paid off XXXX weeks prior. 

Instead, I was told a request was submitted for a refund payment, and I would now wait for approval. I was told it should take less than 10 days, but could be longer. I insisted, I could not wait XXXX days to maybe get a refund, and that I need access to my money. They said, I could only wait on the refund request to be approved.

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 monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report. Thank you.

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 2025-04-15 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX {$15000.00}, XXXX Balance {$670.00}, XXXX Balance {$130.00}, XXXX XXXX XXXX XXXX XXXX {$15000.00} , XXXX XXXX XXXXt Balance {$1000.00}, XXXX XXXX {$340.00} , XXXX XXXX Balance {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
bXXXX XXXX XXXX XXXX report the same account on my credit report twice with two different account numbers . When I reached out to them on XXXX  they told me to call the reporting credit agency being that they cant remove it because they cant see my credit report. I called Transunion where they told me to call my bank back on XXXX. I would like for both of these account to be remove from my credit profile being that they are both closed and paid in full. This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100% accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100% accurate credit information.\n\n\n\nXXXX XXXX\nReported: XXXX XXXX XXXX\n-\n$XXXX\nClosed\nOverview\nYou're currently using 144% of your account's limit.\n\nBalance\n$XXXX\nCredit limit\n$XXXX\nMonthly payment\nNo Info\nOpened\nXXXX XXXX XXXX (2 yrs, 3 mos)\nPayment History\nYouve made 0% of payments for this account on time.\n\nPayment history table, broken down by month\n \tJ\tF\tM\tA\tM\tJ\tJ\tA\tS\tO\tN\tD\nXXXX\nXXXXnCurrent\nLate\nUnknown\nLast payment\nXXXX XXXX XXXXnCurrent Payment Status\nCharge-off\nAmount past due\n$XXXXnWorst Payment Status\nCharge-off\nAccount Details\nAccount status\nDerogatory\nType\nCredit Card\nResponsibility\nIndividual\nRemarks\nProfit and loss write-off\nAccount closed by credit grantor\nAccount closed by credit grantor\nTimes 30/60/90 days late\n0/0/0\nClosed\nXXXXXXXX XXXX XXXX5\n\n\n\n\n\n\nXXXX XXXX\nReported: XXXX XXXX XXXX\n-\n$XXXX\nClosed\nOverview\nYou're currently using 144% of your account's limit.\n\nBalance\n$XXXXCredit limit\n$XXXXnMonthly payment\nNo Info\nOpened\nXXXX XXXX XXXX (2 yrs, 3 mos)\nPayment History\nYouve made 0% of payments for this account on time.\n\nPayment history table, broken down by month\n \tJ\tF\tM\tA\tM\tJ\tJ\tA\tS\tO\tN\tD\nXXXXnXXXX\nXXXX\nCurrent\nLate\nUnknown\nLast payment\nXXXX XXXX XXXXnCurrent Payment Status\nCharge-off\nAmount past due\n$XXXX\nWorst Payment Status\n120+ Days Late\nAccount Details\nAccount status\nDerogatory\nType\nCredit Card\nResponsibility\nIndividual\nRemarks\nProfit and loss write-off\nDispute resolved-subscriber disagrees\nAccount closed by credit grantor\nDispute resolved-subscriber disagrees\nTimes 30/60/90 days late\n1/1/3\nClosed\nXXXX 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 2025-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My loans was part of a class action lawsuit due to the school fault and they are still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-15 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Theres a fraudulent inquiry on my credit report that I did not authorize or initiate. It was done online, completely without my knowledge or consent. I have no association with it and never gave permission for any such action to be taken.

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 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Climb Credit Inc.
State: NJ

Complaint narrative:
Climb Credit issued an $ XXXX loan for XXXX XXXX 's program. Violations : 1. Undisclosed $ XXXX fee ( see attachment ) 2. No signed contract provided despite requests 3. Funded for fake job promises ( agent admitted abandonment in recording )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I was looking at my credit report and saw XXXX account that was open fraudulently. 

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

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 2025-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a credit card open in my name in capital one and i never opened one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In complaint XXXX that was submitted 3 months ago I sent a cease and desist but have continued to receive communication from LVNV/Resurgent/Halstead/true accord XXXX This is a direct violation of the Fair Credit Reporting Act and I demand this account XXXX * * * * * * * * * * be removed from my trans union account and be compensation XXXX for each violation

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 2025-04-15 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: CT

Complaint narrative:
I recently checked my credit report and was alarmed to find accounts that I do not recognize. I have never opened these accounts, yet they are being reported under my name, creating an inaccurate and misleading credit history. This is a serious issue that needs to be addressed immediately, as I can not be held responsible for accounts I had no involvement with.

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 2025-04-15 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: IA

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

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

Company 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 2025-04-15 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: CT

Complaint narrative:
There are accounts on my credit report that I do not recognize or remember ever opening. I have never been associated with them, and yet theyre being reported under my name. This is a major error and needs to be corrected.

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