vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: SC

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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 INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I have gone through filing Missouri AG complaints, FTC complaints, a XXXX XXXX XXXX Fraud Complain Form to obtain a police report, as well as, making multiple phone calls, sending multiple faxes, emailing multiple letters and physically mailing multiple letters.

I experienced fraud on my credit account, which I reported when I identified it through the above various methods. The company determined it was not fraud, but has provided me no evidence or explanation. Ive time I try to re-open the case, Im told I need to provide new evidence, but no one can tell me outside of what Ive already provided what I need to provide. 
In retaliation of reporting the fraud, the company, to protect themselves closed my account claiming I poised too great a risk for the 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: WI

Complaint narrative:
I am disputing inaccurate reporting on my student loan account. XXXX has officially confirmed in writing that the servicing of my loan ( s ) was transferred to MOHELA and that they no longer manage or furnish information on this account. 

Despite this transfer, inaccurate information remains on my credit report under XXXX, and MOHELA is now the servicer responsible for furnishing correct data. 

This violates the Fair Credit Reporting Act ( FCRA 623 ), which requires furnishers to report accurate information and update or delete accounts when they are no longer servicing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am a victim of XXXX XXXX. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-09-29 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-29 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 am writing to advise that I am a XXXX XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$620.00} INQUIRIES : XXXX XXXX XXXX XXXXXXXX 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 2025-09-29 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 am formally disputing multiple unauthorized hard inquiries appearing on my consumer credit reports maintained by Equifax, TransUnion, and Experian. These inquiries, dated XXXX and XX/XX/year>, were reported from the following entities : 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 2025-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report without providing proper validation, chain of title, or legal documentation proving their right to collect this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to ensure the maximum possible accuracy of all reported information. Additionally, 15 U.S.C. 1681i mandates that disputed information must be promptly reinvestigated and deleted or corrected if found to be inaccurate, unverifiable, or fraudulent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, further requires debt collectors to validate debts and provide documentation such as the original contract or chain of title upon request. 

I demand that all inaccurate, unverifiable, and unvalidated information be deleted from my credit report immediately. Failure to comply will compel me to initiate legal action for violations of my rights under the FCRA and FDCPA, with potential claims for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Take this matter seriously and act without delay to remedy your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
On Friday, XXXX, I received a missed call from Credit Acceptances Compliance XXXX, XXXX XXXX, regarding my complaint. No email follow-up was provided this time. 

This is concerning because : Throughout this process, I have requested that communications be in writing for documentation purposes. 

When Credit Acceptance communicates only by phone, it prevents me from keeping a clear record for CFPB and the XXXX XXXX XXXX 

Phone-only communication allows the company to pressure me into statements ( such as cancellation ) that could be misrepresented, while leaving me without proof of what was actually said. 

For my protection and to ensure accurate recordkeeping, I am again requesting that Credit Acceptance provide all communication about this matter in writing by email.

This pattern of avoiding written communication raises further concerns about transparency and good faith in resolving my complaint.

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 2025-09-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
XX/XX/year> - Requested a current statement document or account update letter with my name, address, and current balance. Sent to : XXXX. I did not receive any reply. 

XX/XX/year> - Called customer service at XXXX and requested a document showing a current statement balance or account update letter with my name, address, and current balance. They stated their company policy did not allow this. They only emailed me a payoff quote, no document included. I requested to speak to a supervisor, they transferred me to XXXX and XXXX said the same thing " due to company privacy policy '' even though I was authorizing the release of my own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} SYN/FIRSTDIG - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CO

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX - {$0.00} ( account # XXXX ) XXXX  - {$440.00} ( account # XXXX ) XXXX  - {$4700.00} ( account # XXXX ) XXXX - {$0.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a formal complaint against Equifax for continuing to report inaccurate and unverifiable late payments on my closed installment account with XXXX XXXX XXXX XXXX ( XXXX ), account ending in XXXX. 

Equifax is reporting the following alleged late payments : XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 30 days late These entries are inaccurate, unverifiable, and in violation of federal law. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy in all published information. Under FCRA 611, they must conduct a reasonable reinvestigation of disputed items. Equifax failed both duties by relying solely on the furnishers unverified, coded responses instead of obtaining documentary evidence. 

Proper verification requires tangible documentation, such as a full billing statement or account ledger showing the exact due date, the date the payment was received ( or not received ), and the posting history. No such documents were provided. A simple code or unverifiable notation is legally insufficient to establish accuracy. 

The law is clear : the burden of proof lies with the furnisher, not the consumer, to substantiate the accuracy of disputed information ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ). By reporting these late payments without proof, Equifax is violating : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to conduct a proper reinvestigation FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 3 ) : Failure to notify CRAs of disputed information I specifically requested documentary proof of the alleged late payments, including billing statements and account ledgers. Equifax failed to provide this information. Instead, they allowed unverifiable data to remain, thereby continuing to publish false derogatory marks. 

These inaccurate reports have caused measurable harm, including : Denial of credit opportunities Higher interest rates on approved credit Reputational and emotional harm due to being labeled as delinquent without proof I demand that the CFPB investigate these willful and negligent violations and require Equifax to either : 1. Produce tangible, documented proof of each alleged late payment, OR 2. Delete the late payment entries and correct the account immediately. 

Absent such proof, these late payments must be deleted. Ongoing publication of false, unverifiable information constitutes continuing harm and clear violations of federal law. Immediate regulatory intervention is necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Lender Name : Westlake Financial Account Number : Loan Origination Date : XXXX  Original Term : 72 months Scheduled Monthly Payment : {$640.00} I am filing this formal dispute because my lender has failed to properly apply my loan payments as instructed, resulting in an inflated principal balance and an erroneous past-due status. 
Summary of Payments and Discrepancy : 1. I have made XXXX scheduled monthly payments of {$640.00}, totaling approximately {$21000.00} in payments toward this loan. 
2. I have explicitly requested and instructed the lender on multiple occasions to apply any payments, or extra funds, toward the reduction of the principal balance. 
3. Despite these instructions, the lender 's records show that only {$7800.00} has been applied to the principal after XXXX  months. This is an extremely low principal payoff amount for a loan nearly halfway through its term, suggesting the payments were applied according to the standard interest-heavy amortization schedule, contrary to my directives. 
4. The current reported loan balance is {$22000.00}. 
5. My account is currently showing an erroneous arrearage/amount past due of {$1200.00}, which is approximately two full monthly payments. This further indicates my instructions to apply funds to the principal were disregarded, or that the application process created a fictitious missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I put {$4800.00} into an truist atm in front royal VA on XX/XX/2025 XXXX {$100.00} bills first Then XXXX XXXX XXXX XXXX Totaling {$4800.00}. 
The XXXX  took my money, and the bank sent me XXXX back 4 days later, and at XXXX business days I still havent received the remaining {$800.00} or a provisional credit. The branch manager at XXXX in XXXX XXXX told me next time dont use the atm if youre depositing that much like no maam, that is what an atm is for. They keep telling me theyre waiting on a balance report from a third party and still have not granted a provisional credit as of XX/XX/2025. I finally have spoke to a supervisor that seems to give a XXXX but still no resolution or funds and they can not XXXX a provisional credit that I have asked for 3 times now.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Credit Karma, LLC
State: IN

Complaint narrative:
Credit Karma showed a balance transfer card to help avoid paying interest. It was from my XXXX XXXX to a XXXX card. I applied for the XXXX card thinking I could do a balance transfer from myXX/XX/XXXX Card because Credit Karma showed that I was able to. Come to find out after talking with an agent from XXXX XXXX that the XXXX XXXX does not support balance transfers. Now I have a card and an inquiry for no reason at all.

Company response to consumer: Closed with explanation