vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have a Business account that was started at XXXX transferring to PNC. Since then my account has had transactions rerouted, instant transfers held for various amounts of time, checks returned days after clearing, and lack of access to my account information online. 
1. Every evening at XXXX XX/XX/XXXXcentral time my account is unaccessible online to review account. It says no transactions available. I have photos to show this is every evening. 
2. I make transfers regularly almost daily, paying for instant transfer fees from my merchant. PNC is holding the instant transfer for various amounts of time to causing excessive fees.

3. Reversing checks days after they have cleared.

4. Rerouting transactions daily, I have spoken to my branch manager, called customer service and no one can give me a answer why this is happening. This has caused many problems for my small business. These practices are dangerous and holds my money hostage with PNC rerouting my transaction order. 
I am closing my account after years at this bank, I can no longer trust this institutions practices managing my businessws money that feeds the family 's of my employees, Pictures and document available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I am submitting this third follow-up complaint because inaccurate and disputed information remains on my credit file despite my prior disputes. The credit reporting agencies and furnishers have not corrected or removed the following errors : XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX ) These addresses are inaccurate and should not be listed under my profile. Their continued reporting is misleading and violates the Fair Credit Reporting Act. Specifically, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of information. 
XXXX Bank XXXX. | Date : XX/XX/XXXX This inquiry was specifically included in my dispute but remains on my report. The credit bureaus failed to properly reinvestigate and correct this item, which is a violation of FCRA 611 [ 15 U.S.C. 1681i ].

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 2025-10-03 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint against TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. On XX/XX/2025, I submitted a direct dispute with supporting documentation, including my FTC Identity Theft Report, government-issued ID, proof of address, and a sworn statement under penalty of perjury, to confirm that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX were fraudulent. Despite receiving this information, TransUnion has failed to block or delete the fraudulent account as required under FCRA 605B and has not conducted a reasonable reinvestigation under FCRA 611 ( a ). Their continued reporting of this fraudulent account is causing ongoing harm to my credit file and financial well-being.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im deeply concerned that the inaccurate accounts are still appearing on my credit reports and havent been taken off. Im pleading that the attached documents be carefully reviewed.

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 2025-10-03 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable items information that appears on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 1681i and 605B ), credit reporting agencies and furnishers are required to ensure that all information reported about a consumer is accurate, complete, and verifiable. The FCRA mandates that any information that can not be verified as accurate must be removed from the consumers credit file. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year> After careful review, I do not acknowledge the accuracy or validity of these entries. The reported statuses and balances appear to be incorrect, incomplete, or possibly outdated. Under the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 605B ( 15 U.S.C. 1681c-2 ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable and to request its removal if it can not be verified.

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 2025-10-03 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: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I have contacted the companies listed and even sent certified letters, yet I have received little to no helpful response. Many of the phone numbers listed are disconnected, and the companies have failed to provide the documentation that proves I authorized these inquiries, such as a signed credit application or contract. 

Additionally, I believe I am being confused with another individualspecifically, my father, with whom I share the same full name. I am the " XXXX  '' ( or " XXXX '' ), and our identities are being mixed in the credit reporting system. This has caused major issues when cashing checks, opening accounts, and accessing services, and has significantly impacted my financial well-being. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the following actions be taken : Remove all unauthorized or unverified hard inquiries from my credit report. 

Correct the mixed file issue and ensure that only my credit activity appears on my report. 

Provide documentation of all reinvestigation results within 30 days, as required by law. 

Enclosed is a copy of my government-issued ID and a recent utility bill for verification purposes. Also included are screenshots or printouts of the inquiries and accounts in question. 

If I do not receive a timely and proper resolution, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
I am requesting the removal of inaccurate and uthorized items from my credit report that resulted from a data breach involving my personal information. These accounts and inquiries were not authorized by me and are a direct result of my data being compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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: AL

Complaint narrative:
I am requesting the removal of inaccurate and uthorized items from my credit report that resulted from a data breach involving my personal information. These accounts and inquiries were not authorized by me and are a direct result of my data being compromised. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc.
State: NY

Complaint narrative:
On or around XX/XX/year>XXXX XXXX XXXX initiated an unauthorized withdrawal from my XXXX XXXX without my consent, prior notice, or any clear contractual basis. This transaction was not initiated by me, and I did not approve or schedule it. The withdrawal violated the terms of service I agreed to, which do not authorize automatic debits from user wallets unless explicitly triggered by the user. 

I immediately contacted XXXX XXXX and the XXXX XXXX to request : - An explanation of why the withdrawal occurred - Clarification of any auto-transfer policies - A reversal or credit of the withdrawn funds Despite multiple emails and follow-ups, I received vague responses and no resolution. I even offered to repay the loan early if reconciliation terms were provided, but XXXX failed to engage meaningfully. 

As a result of this unauthorized withdrawal : - I was unable to pay rent on time - My household budgeting was disrupted - I lost access to funds needed for shared expenses and reimbursements - My credit and financial standing were negatively impacted I have documented all correspondence, including screenshots of the transaction, my outreach to XXXX, and their responses. I also filed a complaint with the Better Business Bureau and am prepared to escalate further if needed. 

This situation reflects a serious breach of consumer trust and financial responsibility. I am requesting the XXXX  assistance in investigating this matter and ensuring XXXX XXXX is held accountable for unauthorized financial activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting a follow-up complaint regarding inaccurate information on my credit file. Despite prior disputes, XXXX, Account XXXX. : XXXX * * * * * * * *, Date Opened : XX/XX/XXXX, XXXX XXXX : {$0.00}, continues to report late payments for XX/XX/XXXX XXXX XXXX XXXX ) and XX/XX/XXXX ( 90 days ), while also showing XXXX. These entries are inaccurate, contradictory, and unverifiable, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum possible accuracy, FCRA 611 [ 15 U.S.C. 1681i ] requiring proper reinvestigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ], prohibiting furnishers from reporting misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Mohela has not been able to provide me signed documents of said loans to support their actions of servicing inaccurate student loans. The amounts are incorrect and they are sharing falsifying statuses & balances due. It been over a year with XXXX complaints to provide me original signed documents of these loans to support collection. The validity of the debt has not been submitted. There is no way these loans increased almost double. Requesting a detail audit confirming the validity of this loan.

Company response to consumer: In progress
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I attempted to file an application with CareCredit to create an account. I am the owner of XXXX XXXX. I am a physician that is double board certified from the XXXX XXXX. I hold a certification in physician associate studies as well as XXXX. 
I hold a doctor of medical science in XXXX. 
I was told that I was unable to receive a CareCredit account due to the simple fact, I am not a board certified medical dermatologist This impacts my ability to earn an income from patients that have care credit and wish to pay for their Dermatology procedures If I was a medical spa, I would have no issue receiving a care credit account. 
I believe I am being discriminated against by care Credit for not having a board certification in XXXX and having a dermatologist on staff. 
By law, the XXXX XXXX allows for physician associates to practice within their scope, with over XXXX  years of experience in dermatology, and owning my own practice should allow me to create a care credit account. 
In addition, there is no information on their website, or in their contract that states I must be a board certified dermatologist in order to create a care credit account

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 2025-10-03 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts have been reported to ChexSystems under my name and Social Security number by XXXX XXXX XXXX. These accounts do not belong to me. 

The ChexSystems reinvestigation results dated XX/XX/XXXX show XXXX XXXX XXXX XXXX  charge-off entries, both closed on XX/XX/XXXX, with different charge-off amounts ( {$5000.00} and {$4900.00} ). Both are reported as Account Abuse and listed as unpaid. 

I have never had any account with XXXX XXXX XXXX. These accounts are the direct result of identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B, ChexSystems is required to block fraudulent information from my file within XXXX ( XXXX ) business days once they receive an identity theft report. Despite this, ChexSystems has continued to maintain these fraudulent accounts on my report. 

This is causing me harm, including being denied bank accounts and financial services.

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 2025-10-03 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: NY

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. 
XXXX XXXX XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned hard inquiries are the 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 2025-10-03 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: DC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX  XXXX Date of inquiry XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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