vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: MA

Complaint narrative:
reporting inaccurate 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 non-monetary relief
Consumer complaint received 2025-06-11 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: CT

Complaint narrative:
AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a XXXX of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This communication serves as a formal dispute of unauthorized accounts listed in my credit file. I did not approve or open these accounts, and they should not be attributed to me. In accordance with 15 U.S.C. 1681g, please delete them within 15 days. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: 1st Franklin Financial Corporation
State: VA

Complaint narrative:
I just want my loan towards my car this mla false information on my report is stopping me from getting my loan because its denying automatically every time when Im not in the XXXX  nor is anyone around me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-06-11 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had XXXX credit cards with Capital One, Quicksiver Card and XXXX XXXX, and I was making payments on the Quicksilver Card when they decided to close both accounts. I received letters in the mail regarding both credit cards stating that Capital One closed the accounts as of XX/XX/XXXX. I was still being charged interest on both accounts that are closed. I called to speak with someone, and was not given a valid explanation as to why Im still being charged interest on closed accounts. I received letters in the mail with account statements as if both accounts are still open as of XX/XX/year>2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$7100.00}

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 2025-06-11 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: Synovus Bank
State: TX

Complaint narrative:
This is a formal rebuttal to your response regarding my CFPB complaint. I must again reject your claims, and I am restating the following for clarity : You stated there was an absence of any evidence of error. That is inaccurate. You were sent a screenshot clearly showing inconsistencies in your reporting, specifically : Experian reports a XXXX late status for XX/XX/year>, despite : The prior month ( XX/XX/year> ) also being reported as 60 days late which is factually and procedurally incorrect, as delinquencies must escalate ( i.e., XXXX XXXX XXXX ), not remain static. 

No other credit bureau reflects a XXXX late mark for that same period, making the payment history inconsistent, non-uniform, and misleading. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) and 623 ), which mandates that data furnishers must ensure maximum possible accuracy when reporting consumer information. You can not place the blame on the credit bureaus when you, as the furnisher, are responsible for reporting data accurately to each of them. 

This is my second attempt to address this issue, and your continued failure to correct the error is unacceptable. 

Additionally, your response failed to include any supporting documentation that proves : That this account is legally mine, That the payment history and dates you furnished are accurate and verifiable. 

You made several assertions about the accounts origin and history ( including use, approval, and charge-off ) but provided no evidence such as a signed application, account history, or chain of ownership to support those claims. This is especially concerning considering your reporting is currently damaging my credit. 

Finally, I am aware that your cardholder agreement includes an arbitration clause. If this account is not removed from all credit reporting agencies within XXXX business days, I will pursue arbitration, as well as report this noncompliance to the FTC, and other applicable regulatory authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be updated and if you are unable to provide me a copy of the verifiable proof, you must update the account listed below. 

I demand that the following account be verified or update immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 non-monetary relief
Consumer complaint received 2025-06-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
XXXX  - I was never late on this account, please remove late payment history.

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 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA has provided completely false information to CPFB in my previous complaint.

GLA has not provided requested documentation. 1. itemized bill
2. my signature waiving HIPPA. GLA stated that we have spoken with the provided, we called XXXX XXXX XXXX XXXX and they stated we have NO open balance with them. XXXX XXXX also stated that they do not use GLA for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
* * * * * I mobile deposited a check from my employer on XX/XX/XXXX. The funds were put on hold and when I looked on my online banking I see the following : Total on hold : {$2300.00} We have not yet collected the money from the paying bank so some or all of your deposit may not be available for withdrawal. 

* * * * * I checked with my employer today, XX/XX/XXXX. They told me the funds were withdrawn on XX/XX/XXXX. I send a message to Chase : I want to know why I still don't have access to the {$2300.00} mobile deposit. This was a check from my employer. They told me they see that the funds came out of their account on the XXXX. I want this money today or I'm closing the account and filing a complaint with the CFPB * * * * * XXXX responds with the following : Hello -- -- -, Thank you for contacting us. 
We apologize for the inconvenience. 
-- -- --, we put a hold on a recent deposit you made to your account. The money will be available on XX/XX/XXXX. 
A hold can be placed for a variety of reasons, including when the deposit differs from the usual banking activity for you or the issuer of the check. Our system has an internal security tool that require a secondary review on the daily deposits. Our office reviews each of these deposits individually. Once reviewed, the hold is then released, and the funds are made available to you. 
-- -- -, for assistance with your deposit, please call our XXXX XXXX XXXX at XXXX, option XXXX. We accept operator relay calls. 
We appreciate you being a XXXX customer. 
Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Credit Management Company is in violation of reporting a Medical Debt as its now prohibited as of XXXX and went into effect in XXXX of XXXX  as per CFPB statements. 

Credit Management Company is reporting {$1300.00} on XXXX, XXXX  and XXXX  which has impacted my credit score tremendously. Also, my personal information and medical information is now compromised. This reporting impacts the decision making for employment, renting, car buying etc.. 

I would like Credit Management Company to remove this reporting from XXXX, XXXX  and XXXX. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Exeter Finance LLC XXXX. XXXX XXXX XXXX, TX XXXX Request for IRS Form 1099-C To Whom It May Concern, I am writing to formally request a copy of IRS Form 1099-C related to my account with Exeter Finance LLC. 

Account Holder Name : XXXX XXXX XXXX Account Number ( if known ) : XXXX Last 4 of SSN : XXXX VIN # XXXX As per IRS regulations, creditors are required to issue a 1099-C for canceled debt amounts of {$600.00} or more. I am requesting this form for my records and for proper tax reporting purposes.

Please send the requested document to the mailing address listed above or email it to me at your earliest convenience. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Credence Resource Management regarding a fraudulent tradeline that appeared on my credit report. I spoke with a representative named XXXX XXXX, who confirmed during our call that the tradeline would be deleted from my credit reports. 

However, when I followed up the next day, XX/XX/year>, I spoke with another representative who gave me conflicting information. I was told the tradeline would not be removed, despite the previous assurance from XXXX XXXX. This inconsistency is extremely concerning and has caused further stress regarding a matter that is already impacting my credit. 

The account in question is fraudulent. I did not authorize it, and I have reason to believe it is the result of identity theft. I have already filed a report with the FTC and am in the process of submitting a police report to support my dispute. 

I am requesting that this fraudulent tradeline be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 discovered incorrect information on my credit report this morning and I have no explanation for its presence. I checked the report as usual, but this time, unexpected errors appeared. I tried reloading the browser in case it was a temporary issue, but the inaccurate accounts remained. I ask that the documentation I've submitted be reviewed thoroughly to help resolve this once and for all.

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 2025-06-11 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:
In early XX/XX/year>, I applied for a loan with XXXX. I was pre-approved, submitted all verification documents, and electronically signed the loan agreement. Shortly afterward, the loan was suddenly denied due to an alleged suspicious SSN activity. This reason was vague and unsubstantiated. I did not receive any funds. 

Despite the denial, XXXX performed a hard credit inquiry on my report, which remains and is negatively affecting my XXXXredit score. I contacted XXXX to dispute this inquiry, as no loan was issued and their reason for denial was unclear. I requested written documentation explaining the decision and removal of the hard inquiry. They refused, claiming that the inquiry was standard even though it occurred after contract signing and no loan was finalized. 

I believe this inquiry was improperly used and should be removed. Im requesting that the CFPB investigate this matter and that XXXX provide a full explanation and resolution.

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