vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I had a roofing XXXX come and give me an estimate for roof repair. He then connected me to the bank/ loan company via phone. I had agreed to one of 2 packages offered that was 6.99 % interest rate agreeing to pay XXXX  months of {$100.00} then all future payments of {$190.00} monthly. The bank was to release the funds to contractors in XXXX installments. Over a XXXX  month period Ive noted that the {$100.00} payments didnt make a dent and then the {$190.00} payment didnt decrease the balance so Ive been paying {$250.00} monthly trying to pay off loan sooner then later. I then looked at my credit report in details and noted that it was listed as a revolving line of credit for XXXX  months but is now in payment status, plus it has a XXXX % utilization score. XXXX asking them to remove that information so that I am able to paid as promised but not hurting 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 explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
The debt reported on my credit file by Monarch Recovery Management , Inc, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, is inaccurate and improperly reported. The alleged balance is {$1900.00}, and the original creditor is XXXXXXXX XXXX associated with a XXXX XXXX account. I did not authorize Monarch Recovery Management , Inc to access, use, or report my personal information to any credit bureau, nor did I provide consent for them to collect or manage this debt. Furthermore, this debt appears to be substantially similar to a separate account being reported by XXXX XXXX XXXX XXXX XXXX, which is attempting to collect on a XXXX XXXXXXXX XXXX account with a different balance amount of {$890.00}. The existence of two collection agencies reporting conflicting balances for what appears to be the same underlying debt raises serious concerns about accuracy, duplication, and potential violation of my consumer rights. I have not received proper validation of the debt from Monarch Recovery Management, and I was not given notice or an opportunity to dispute it before it was reported. This reporting has negatively impacted my credit profile and contributed to ongoing financial hardship. I believe Monarch Recovery Management , Inc may be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter, clarify the legitimacy and ownership of the debt, and ensure the removal of any inaccurate or duplicative information from all credit reporting agencies. I can be reached at ( XXXX ) XXXX ( voicemail preferred ) or at XXXX for any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Attempted to get verbiage taken off credit reports for mortgage. Was able to call and they confirmed that they did but that was not the case.

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 2025-07-07 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: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I took out a loan with Service XXXX Loan and made two payments of {$82.00} in XXXX and XX/XX/XXXX. In XXXX, my credit report shows that the original account was closed as of XX/XX/XXXX, but was then reopened on XX/XX/XXXX without my consent. The report also shows payments made in XXXX and XX/XX/XXXX, but no payments after that. 

Following this, I experienced financial hardship that caused the account to become delinquent. The original loan account remains closed and shows a {$0.00} balance on my credit report. However, without my permission, Service XXXX  Loan opened a new account falsely claiming it was a refinance, which I never authorized, agreed to, or applied for. This new account is currently open and shows an active balance. 

Since the delinquency, Service XXXX Loan has placed 13 unauthorized hard inquiries on my credit report approximately every other month, without my consent and without me applying for any new credit. When I contacted them about this, a representative falsely claimed that hard inquiries are allowed when an account is delinquent. I recorded the call, ( this is legal in my state ) during which the representative admitted to making these unauthorized inquiries and reopening the account without my permission. 

These actions have damaged my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries and inaccurate account information have severely lowered my credit scorethe lowest I have ever seen on my XXXX reportmaking it difficult for me to apply for credit, housing, or other essential services. This has caused significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one closes both my checking and savings accounts on XX/XX/2025. I was given no prior warning so I called the number provided on XX/XX/2025 at XXXX XXXX All i was told was that the relationship was revoked but i was given no further explanation. I have no engaged in any fraudulent or risky activity that im aware of. 

The accounts were in good standing and used for regular personal banking. The sudden closure has caused financial stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/XXXX. XXXX issues me an invoice stating I owe {$410.00} due XX/XX/XXXX for my virtual office space. My outstanding balance is {$7000.00}. Account XXXX is XXXX, XXXX. 

XX/XX/XXXX : My phone contact with XXXX Representative, XXXX, states I can still make payments to XXXX. My outstanding balance is {$7000.00} and will note in my file that I want to keep my account- which is a virtual office space. XXXX states my agreement is not up for termination until XXXX, XXXX. I agreed to make a payment by XX/XX/XXXX due date. 

XX/XX/XXXX at XXXX. XXXX XXXX, Transworld Systems, alleged Debt Collector states that I was emailed a communication that my account was transferred from XXXX XXXX XXXX due to unpaid amount. XXXX XXXX states I owe {$10000.00}. 

I informed XXXX XXXX that I received an invoice with XXXX and made arrangements to pay XXXX this morning. XXXX XXXX declared that I did not speak with XXXX and I did not make that arrangement. Stated " I don't believe your credibility. '' I stated I need to speak with an attorney because I want to honor my agreement with XXXX. XXXX XXXX started to aggressively speak of me and stated " get the attorney on the phone right now and have a three way. '' The conversation escalated to being rude, argumentative, hostile on XXXX XXXX 's part and I terminated the conversation after raising my voice stating, " will you please listen. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XX/XX/year> at around XXXX, I stopped at the ATM at PNC Bank located XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX United States ) XXXX I was attempting to make a large deposit into my checking account and put XXXX {$100.00} bills into the machine. Shortly after, the machine said there was an error reading the bills, and began to spit out a random amount of the {$100.00} bills back to me. I continued grabbing the money from the machine for about 30 seconds until it said my transaction timed out and it stopped returning the money to me. In total, i only ended up receiving XXXX of the XXXX {$100.00} bills inserted. The missing funds were not posted to my account & I was not issued a receipt at the ATM due to the error. I returned the next day and spoke to XXXX XXXX XXXX, XXXX XXXX, to help me file a dispute and have them look into the transaction. I assumed this would be an easy fix as they can review the electronic log, video footage, and quickly determine there was excess funds in the ATM that are unaccounted for. I just noticed in my account that the credit dispute was denied. I am in the process of collecting the information that was reviewed and why my dispute was denied. I have yet to receive this information in the mail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-07 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
On the account of XXXX XXXX XXXX XXXXXXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX XXXX {$3000.00} XXXX updated XX/XX/XXXX Recent payment - Monthly payment {$0.00} XXXX balance. Old original balance {$4200.00}. XXXX XXXX balance {$3000.00} I did not authorize a hard credit pull or a higher balance. XXXX XXXX XXXX store located in XXXX, DE XXXX. Told me that my credit balance needed to be more because my balance would be maxed out. Then when everthing was purchased it was lower then expected. So my credit was pulled for no reason. I only gave my consent if the amount was more then my total balance and it wasnt. I reported the problem to the manager and I the sales team. They wont give me any type of paper to give to my credit report so the hard inquiry and my balance ( credit line ) will go back to the original limit. My credit balance was an unauthorized transaction and I demand for it to get dealt with and taken off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally express my concern and request information regarding the reported access of my personal data by the Department of Government Efficiency ( DOGE ) or its affiliates through the US Department of Education 's systems. As a federal student loan borrower, I understand that my personal identifiable information - including my social security number, date of birth birth, loan account details, and contact information - may have been accessed without my knowledge or consent. I have requested a copy of my loan documentation from Nelnet several times over the last 6 months. I have not received any documents from Nelnet. I was instructed to obtain a copy of my NOTE online, the form is not available. I believe this action may constitute a violation of the Privacy Act of 1974, the Family Educational Rights and Privacy Act ( FERPA ), and Department of Education internal data protection rules. At this time I have NO access to my online student loan information with NELNET application. If I login through their website, I have no access to loan specific documents, except year end tax statements and monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
Im filing this complaint because I need Equifax to clean up and fix the personal information showing on my credit report. I just reviewed it and noticed it's full of outdated and inaccurate info that shouldve already been corrected.

Heres what should be reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : Unemployed ( for now ) My report is showing the following incorrect name variations, which need to be fixed. Please update them so my name is correctly shown as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please correct other name variations to reflect my full and accurate last name : XXXX, and remove any confusing or partial variations. 

Also, the following addresses are being reported and they are completely inaccurate and do not match any of my records or documents. Ive never lived at these places, so they must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is correct and should appear in my file. 

Ive already provided documentation to prove this, including my partial report, passport, SSN, and two utility bills.

Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) requires Equifax to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) requires corrections when documentation is submitted.

15 U.S.C. 1681g ( a ) gives me the right to a full, updated copy of my corrected credit report. 

If these errors are not corrected, thats a violation, either negligent or willful under 15 U.S.C. 1681n and 1681o, and I understand I can pursue up to {$1000.00} in damages per violation.

I just want my report fixed correctly. Please delete the wrong names and addresses, update everything to reflect what I provided, and send me confirmation once the changes are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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