vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am issuing a formal and firm demand for the removal of fraudulent accounts from my credit file. These accounts do not belong to me, I did not authorize them, and they represent inaccurate and unlawful reporting.

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 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Good morning I am a victim of identity theft I have reached out to the credit bureaus in the debt collectors. I have never used my credit in the last like XXXX years. Me and my wife just applied for a house to buy, and our realtor came back with copies of our credit report showing a vehicle That was financed in my name that I never did nor gave anyone authorization to do under my name and insurance owed to XXXX  again something Ive never did. Ive reached out multiple times to these companies Ive sent in the documentation that was requested by them and still no reply or changed to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts that are wrongfully appearing on my credit report. These accounts are not mine and I never authorized them. Their presence is damaging, misleading, and a complete misrepresentation of my financial standing. Fraudulent entries such as these unfairly diminish the trustworthiness of my credit file and expose me to consequences that I should not be forced to bear. This false reporting creates unnecessary hardship and must be corrected at once.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MI

Complaint narrative:
On XX/XX/year>, I deposited a {$200.00} check into my U.S. Bank account. The banks own Funds Availability policy and Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( vii ) ) states that the first {$220.00} ( U.S. Bank applies {$270.00} ) of a daily check deposit should be made available no later than the next business day. 

On XX/XX/XXXX, U.S. Bank released the funds as expected, and I used {$81.00} based on that availability. 

However, on XX/XX/XXXX, U.S. Bank reversed the released funds and placed a full hold on the deposit, overdrafting my account. Their letter later cited a review by XXXX XXXX, who supposedly had reason to believe the check may not be paid. This claim lacks merit : I have no history of overdrafts, returned checks, or deposit issues with U.S. Bank. 

The check was issued by a church where I served as a guest minister, and the payment was both legitimate and expected. 

I confirmed with both the church and the issuing bank that the check had cleared and funds were sent to U.S. Bank. 

Despite that, the bank maintained a full hold and did not release my funds until XX/XX/XXXX a day after they claim the hold expired on XX/XX/XXXX. 

Their cited reason a vague, undocumented suspicion of nonpayment appears to be unsupported, discriminatory, and contrary to Regulation CC 229.13 ( e ), which requires that a bank have a specific and reasonable basis to apply a hold. Further, 229.13 ( g ) requires prompt written notice with the reason for the hold not just a post-fact letter. I received no real-time communication about the reversal despite funds having been initially released and used in good faith. 

This retroactive reversal is not only legally questionable it is ethically problematic, especially when the check involved a religious institution and the payment was for services rendered in a ministerial role. The implication that the check was suspicious without factual basis could be construed as profiling or bad faith conduct under federal consumer protection standards. 

During the delayed access, I experienced a XXXX XXXX flare-up and was unable to afford my necessary medication due to the unjustified restriction on my funds. While the bank allowed a {$90.00} credit card payment to process ( causing a temporary overdraft ), and later refunded the overdraft fee, the material harm denial of medical access and extreme stress remains unaddressed. 

I previously filed CFPB Case # XXXX. Since I was not given the option to dispute U.S. Banks inadequate response, I am now filing a new complaint to ensure the issue is properly 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 2025-09-25 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: FL

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. I demand the late payment reported to be updated as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-09-25 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am on SAVE now, and in PSLF.

I was XXXX  payments from forgiveness under PSLF in XXXX  XXXX  when they put SAVE on hold. In an effort to switch to an IBR that counted toward PSLF and allowed repayment I applied for IBR in late XXXX, again in approximately XX/XX/XXXX. I applied again today. Each time I reapplied I filled out the application in accordance with the latest USDE suggestions for how to fill it out ( ie, manually or online ; drawing directly from IRS data or manual submission of income info ; choosing IBR instead of general IDR/cheapest ). I never heard about the first app, or the second, and by the time 3 months rolled by the suggestions/rules had changed, so I was advised to reapply. I reapplied again today as the suggestions/rules changed once again.

I am very close to being forgiven- if this process would work as it is supposed to. SAVE 15 months ago ; and I haven't been able to pay since then, except for one random payment in XX/XX/XXXX when they charged me my SAVE amount with no explanation. I understand I'd potentially be eligible for buyback consideration of those 15 months, and also that at least 2 of those 15 would be credited to me as they'd gone over the 3 month limit for application processing, pushing those months +3 into admin forebearance which is eligible for PSLF credit.

Adding that up, I am very close now, conceivably, to doing buyback for PSLF after hitting XXXX payments. I can't do that unless I'm in a plan other than SAVE, and they apparently still have me in SAVE ( I do have a screenshot confirming I'm in SAVE ).

I need this IBR processed asap so I can proceed. If it is not filled out correctly I need to know what is incorrect so I can submit correctly.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
In XX/XX/XXXX, Freedom Mortgage increased the monthly payment on my XXXX  loan from {$3000.00} to {$4300.00}. It also increased my loan balance from {$420000.00} to roughly {$730000.00}. To counter these changes, I filed to refinance my loan in XX/XX/XXXX. 

During the refinance process, the Freedom Mortgage website would not allow me to access its " Make Payment '' page to make my XX/XX/XXXX mortgage payment on time. I assumed this occurred because the refinance company was negotiating with Freedom Mortgage to payoff the loan. The refinance company asked me to make sure I pay the XXXX mortgage. However, I was unable to access the Freedom mortgage " Make Payment '' page until XX/XX/XXXX, when I made a {$4800.00}. Freedom Mortgage had attached a late fee, which will decrease my credit score. 

After further investigation, I found that Freedom Mortgage was a REPEAT MORTGAGE FRAUD offender going back to at least XXXX, when the Department of Justice fined it {$110.00} XXXX. In my case, Freedom Mortgage " mismanaged '' my XXXX ACCOUNT. In summary, Freedom Mortgage 's mismanagement of my escrow account has resulted in : After further investigation, I found that Freedom Mortgage is a REPEAT MORTGAGE FRAUD offender going back to at least XXXX, when the Department of Justice fined it {$110.00} XXXX. In my case, Freedom Mortgage " mismanaged '' my XXXX ACCOUNT. In summary, Freedom Mortgage 's mismanagement of my escrow account has resulted in : * Mismanagement of my account 's escrow funds * Seemingly miscalculated my account 's escrow balances * Possibly miscalculated my escrow 's shortages * Failed to pay my XXXX property taxes * Failure to retain adequate amounts to pay my XXXX property taxes * Possibly making late payments on my property taxes * Charging a late fee on my September 2025 monthly payment even though its website prevented me from making an on-time payment.

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 2025-09-25 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: PA

Complaint narrative:
Please see supporting documents pertaining to XXXX  data breach

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 2025-09-25 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] 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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-25 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: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved dispute involving my XXXX XXXX XXXX Synchrony Bank credit card related to a damaged sofa delivered by XXXX XXXX XXXX  and the subsequent handling of the matter by Synchrony Bank. 
On the day of delivery, the sofa arrived damaged. The delivery driver immediately reported the issue to XXXX XXXX XXXX and we were assured that verbally and also though follow up Email : XXXX. The damaged piece would be replaced. 
XXXX. Other related issues would be resolved. 
XXXX. Our credit card would not be charged until the replacement was delivered. 
However, despite this assurance, our credit card was charged, and more than XXXX months passed without any replacement or resolution. 
As a result, we initiated a dispute through Synchrony Bank. We were informed that Synchrony was working with the merchant and that the issue would be resolved within XXXX days or XXXX billing cycles. 
To date, XXXX billing statements have now been issued, and the dispute remains unresolved. Every time we contact XXXX customer service, the representatives are unable to provide any meaningful updates. They simply inform us that they will reach out to the dispute team, but we have received no follow-up or resolution in over XXXX  days. 
We are extremely disappointed with the lack of communication and progress on this matter, and we request that it be escalated immediately. We also expect the following : A full update on the current status of the dispute Confirmation that no further interest or late fees will be charged A resolution, including refund or replacement, as originally promised We look forward to your prompt response and a fair 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The entry reported does not fairly reflect my payment conduct and seems erroneous. Please investigate and correct it.

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 2025-09-25 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: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-25 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-09-25 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: CA

Complaint narrative:
The review gives a skewed view of how I handle finances.

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