vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-20 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: MI

Complaint narrative:
I am filing this complaint against multiple furnishers and credit reporting agencies for the reporting of inaccurate, misleading, and unverifiable information on my credit reports. These errors are causing significant harm to my creditworthiness, financial stability, and overall consumer rights as outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

1. Wrong Addresses Reported The following addresses are being incorrectly reported on my credit file. I have never lived at nor been associated with these addresses : XXXX XXXXXXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX These false addresses create the appearance of identity confusion or mixed files, which is a direct violation of FCRA 607 ( b ) requiring maximum accuracy in consumer reports. 

2. Inaccurate Account Reporting In addition, the following accounts are being inaccurately reported : XXXX XXXX XXXX ( XXXX XXXXXXXX ) Reported with Late Payments despite showing a {$0.00} balance and being closed. No valid delinquency should exist. 

XXXX XXXX XXXX ( XXXX ) Listed as Charged Off with a balance of {$23000.00}. This reporting is disputed as inaccurate and unverifiable. 

XXXX XXXXXXXX XXXX  ( XXXX ) Reported with Late Payments despite reflecting a {$0.00} balance. This is misleading and damaging. 

XXXX. Harm and Legal Violations These inaccuracies are : Lowering my credit scores unfairly. 

Misrepresenting my payment history and financial obligations. 

Violating FCRA 609 & 611 by failing to ensure reporting accuracy and failing to correct disputed errors. 

Requested Action I respectfully request that the CFPB : Investigate the above-mentioned errors and hold the furnishers and credit bureaus accountable. 

Require the immediate deletion or correction of the wrong addresses and inaccurate account information. 

Ensure compliance with FCRA obligations so that my credit report reflects only accurate, fair, and verifiable information.

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 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CT

Complaint narrative:
These are federal Stafford loans serviced by Nelnet and XXXX. Under the CARES Act, from XX/XX/XXXX through XX/XX/XXXX, all federally-held loans were placed in administrative forbearance with no payments required and no delinquency reporting allowed. Despite this, my credit reports ( XXXX XXXX XXXX ) show multiple late payment notations from Nelnet and XXXX. I attempted to dispute online, but XXXX dispute portal returns an error and blocks access. These reports are inaccurate, harmful, and unlawful under the Fair Credit Reporting Act. I request removal of all late payment notations related to these loans during the CARES Act pause, and for the accounts to be updated to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: TX

Complaint narrative:
the capital one card that is in payment default is not mine the card has been open since 1998 ( I was not born yet ) with an outstanding balance of over {$5000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and this complaint is to formally document the ongoing harm I have suffered and to seek correction and enforcement of my rights under federal law. 

On or around XX/XX/XXXX, I submitted an FTC Identity Theft Report ( Report # XXXX ) affirming that my personal information was fraudulently used without my knowledge or consent. I reside at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, and have confirmed that only my full name ( XXXX XXXX ), current address, and date of birth ( XXXX ) are accurate identifiers that should remain on file. Any other identifiers are inaccurate and must be removed in accordance with the Fair Credit Reporting Act ( FCRA ) and FTC Identity Theft Rules. 

My credit reports show unauthorized and fraudulent inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries and accounts were not authorized by me, nor did I apply for any financial products or services with these institutions. I have already submitted my FTC Identity Theft Report to the credit bureaus, requesting that these fraudulent inquiries be removed and that any inaccurate information be corrected. 

Despite this, the disputed entries continue to remain, causing significant credit score damage, emotional distress, and barriers to obtaining housing and credit. The FCRA ( 15 U.S.C. 1681g, 1681c-2 ) requires credit reporting agencies and furnishers to block fraudulent information upon receipt of a valid identity theft report, which I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am writing regarding my mortgage loan, XXXX and the escrow account associated with it. After reviewing my annual escrow statement, I noticed that insurance premiums were paid from my escrow account in XX/XX/XXXX and XX/XX/XXXX, totalling {$4400.00}. 
However, I maintained continuous HO-6 condominium insurance coverage during this period through my own insurance carrier. 
It appears that lender-placed insurance was added to my account in error, resulting in duplicate coverage and unnecessary charges to my escrow account. 

I have been in this property since XXXX and this problems appear every single year. Every year I make multiple calls until they fix this problem, however in XXXX and XXXX was not fixed even though they told me otherwise. They have issued me a refund for XXXX, however no refund has been issued for XXXX. I have been in contact with them multiple times, however every representative is saying different things, promising me to fix the problem, however it is never being taken care of. 
If you need any additional documentation, I will be happy to provide it promptly. 
Thank you for your attention to this matter. I look forward to your confirmation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: UT

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime Has Assured Me That XXXX Couldn't Get My Money After Reporting Three Of Cards Stolen Because XXXX Keeps Getting My Money Even After I Cancelled My Account. It Was Yesterday That I Activated The Card And Today My Money Is Gone. For The Last # 3 Months!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I signed up for a XXXX XXXX XXXX  account and fulfilled the requirements to get the welcome bonus but did not recieve the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I requested validation of debt and didnt receive it XX/XX/year>. There are several fcra laws that were violated. This is affecting my credit and mental state as a XXXX veteran. Im requesting this bank to delete this debt off all of my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXXXXXX PA XXXX - XXXX ATTN : Consumer Affairs RE : Personal Information To Consumer Affairs, Regarding Chapter 41 : 15 U.S. Code 1681, I, as a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, some of the personal information listed is inaccurate, not applicable, or fraudulent. This letter serves as an initial request to have my personal information corrected to reflect the true and accurate data. 

Within 30 days from receipt of this letter, the following information needs to be omitted. Please note that upon completion of the request, a new, updated copy of my consumer report should be mailed to the mailing address that you have on file promptly. 

Omit the following names, as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE, MISPELLED, OR NAMES THAT ARE NOT APPLICABLE Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Omit the following telephone numbers as none are listed as a public record, and I have not consented to their recording : ( XXXX ) XXXX - XXXX ( XXXX ) XXXX XXXX Attached to this initial request, I have attached my identification. I suspect you would have no issues removing the aforementioned information in a timely fashion. 

Kind Regards, XXXX, XXXXXXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

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 2025-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
this account isnt mine nor did i consent to this being open. i want this removed off my consumer 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 2025-09-20 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-09-20 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: Westlake Services, LLC
State: UT

Complaint narrative:
I prequalified for a loan at 3 %. The car I bought had a manugacture issue with the XXXX, which caused a collision, that should have been covered by the company. 

I attempted to file this and was subjected to malicious prosecution and a refusal to schedule a mediation hearing where by evidence and requested documents could be seen and a decision made. 

The company has been found to sell GAP insurance that it does not have the ability to honor. 

That is the reason for the ongoing malicious litigation. We are a veteran family and this matter has put us out, destroyed our business and targeted harassed us We are asking for fairness ahead of winter so that we can fairly get transportation. This company is known for predatory lending and repossession and we ask Americans are treated better. Further more we ask Veteran families are not targeted in harassment and refusal to cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 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: UT

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 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: UT

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-09-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted XXXX Equifax and XXXX XXXX. I have made a previous request to update my personal information as to it was compromise from a previous identity theft situation. The predators may have access my credit information by using previous employers or different variations of my name and address with the possibility of all old addresses as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX at approximately XXXX, I received a text from TD Bank asking did I authorize a purchase of {$20.00} to an online gambling site. To reply, I had to answer either " Yes '' or " no ''. I replied " NO '' and they immediately locked my debit card and asked me to call their toll free number. I called and learned the person who hacked into my account made 39 charges at {$20.00} each on my debit totaling {$780.00}. I was told I could not file a dispute until the charges were out of pending. I went to the bank the next day ( XX/XX/XXXX ), retrieved a new card, and again was unable to file a dispute until the charges were out of pending status. Additionally, I was only alerted to only ONE charge - not 39! 
On XX/XX/XXXX, I filed a dispute with TD Bank via phone and was told I would get a " provisional reimbursement '' within 5 to 7 days while my dispute was investigated. 
On XX/XX/XXXX, I called TD Bank to inquire about the status of my dispute and was told I was denied " because they said you authorized the payments ''. To say the least, I expressed my frustration because had they done a thorough search, they would see online gambling is not a spending habit I partake in. I filed a second dispute on said date and await their response. 
On XX/XX/XXXX, I reviewed my mobile TD Bank and l saw another purchase not authorized by me using my new debit card. I can not file a dispute because it is in " pending '' status. I deactivated this card today. To add fuel to the fire, TD Bank did not alert me as to whether I made this purchase. 
Please note, no one except myself has access to my debit card. It stays with me on my person at all times. And I did not authorized any of those payments. Please help me get my money back! Please! They made me out to be the perpetrator and I AM THE VICTIM HERE!!! My money was stolen and TD Bank allowed it to happen without alerting me. Why did they wait so long to let me know, Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2025, I attempted to pay {$2000.00} to a family member through using XXXX through TRUIST app. At first it looked like payment was completed. It was not. When I attempted to look at my online account the following day, I was unable to access my account. I got a message that my log in information was not valid. I called phone # on my debit card to communicate with TRUIST. After several calls, I continued to get same answer. I would have to go in to bank branch to verifiy my identity. Tried to talk to people at XXXX, and was referred back to TRUIST. I do all my banking online and I am in a different state. My bank is in XXXX and I am living in XXXX until XXXX. I do all my banking online right now I am unable to view my account other than automated messages on the phone. I can not see my debits and credits, I have no ability to make transfers from one account to another without getting in touch with someone at branch bank. I am unable to make deposits to my account. I do not understand what I did that was considered fraudulent.

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