vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
Product : Checking account Issue : Problem with deposit funds not available after reasonable time Company : Regions Bank Date of issue : XX/XX/year> Complaint Description : On XX/XX/year>, I deposited a check into my checking account at Regions Bank using their mobile deposit feature, in the amount of {$3900.00}. The check was drawn on a different bank, and I have confirmed that the issuing bank has already released the funds from the check writers account. 
On XX/XX/year>, I contacted Regions Bank because I had not received any notification regarding a hold on the deposit. I was verbally informed that the funds were being held, and that a written hold notice had been mailed, with an expected delivery time of 35 business days. I informed two Regions Bank representatives XXXX and XXXX that I was out of town on vacation without access to my physical mail, and I specifically requested that the notice be sent to me electronically. They refused. 
As of today, XX/XX/year>, I have still not received any written notice by mail, email, or online banking. The only explanation I have received and only verbally is that the deposit was being held due to suspected fraud. 
Regions Bank has informed me that the hold will last until XX/XX/year>, a total of nine calendar daysafter deposit. However, under Regulation CC and the Expedited Funds Availability Act, banks are required to provide a timely written notice when placing a hold, along with the specific reason and the date funds will be available. Regions has failed to comply with this legal requirement. 
The refusal to provide timely electronic notice especially after I explained I was traveling is unreasonable and obstructive. This extended hold is causing financial hardship and distress. I am concerned that this conduct may be in violation of federal consumer protection regulations.

What do you think would be a fair resolution to your issue? 
I request that Regions Bank immediately release the funds from my XX/XX/year> deposit of {$3900.00}, or provide a written, regulation-based explanation for the hold, including the specific exception relied on under Regulation CC. 
I also request that the Consumer Financial Protection Bureau investigate Regions Banks failure to provide timely and proper written notice, and confirm that I am being treated fairly and without discrimination, in accordance with federal consumer protection and anti-discrimination laws.

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 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated scam involving someone impersonating law enforcement. The scammer contacted me through a No Caller ID number, claimed I had missed a federal jury duty date, and informed me that I was under a gag order threatening me with jail time if I contacted anyone, including family. They cited accurate personal information, including my full name, workplace, brokerage, and licensing details as a Kentucky real estate agent, which made their claim feel legitimate. 

Under severe pressure, fear, and duress, I was manipulated into sending {$1300.00} via XXXX for surety procedure, saying it would be paid to a judge to clear my name from the warrants/ bonds I had. The original account I sent money to was XXXX XXXX, which was later changed to XXXX  XXXX, a clear attempt to cover tracks. I followed their instructions to include a note that looked like a legal payment. 

After realizing I had been scammed, I immediately took action : Filed a police report ( Case # XXXX, Theft by Deception, KY XXXX XXXX ) Contacted XXXX XXXX to file a dispute ( which is currently open ) Reported the scam to XXXX, FTC, and CFPB Submitted supporting documentation, including screenshots, the police report, account details, and proof of identity Enabled two-factor authentication and changed all login credentials Today ( XX/XX/year> ), XXXX denied my dispute despite the overwhelming evidence I provided. This is deeply concerning as XXXXXXXX XXXX  is actively trying to help me with the dispute, but they informed me that in order for reimbursement to occur, XXXX must release the funds. Until then, they are unable to resolve it, despite their willingness to cooperate and assist. This leaves me in a frustrating limbo where Im doing everything right, but can not recover my stolen funds. 

Additionally, I received a suspicious login attempt notification on XXXX shortly after the scam confirming that I remain targeted and that my account information may still be at risk. 

This has caused severe financial and emotional stress, and has threatened my professional standing as a licensed real estate agent. I was a clear victim of coercion and fraud this was not a typical transaction or a case of buyers remorse. I was tricked into willingly sending money under false pretenses and extreme psychological pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I lost my wallet in 2018 which the contents included a driver 's license, social security card and credit cards. I was also a victim in XXXX of the data breach ( XXXX and XXXX ). Someone has been using my identity. There are addresses I have not ever been associated with including living at. I have alerted the police department ( which is currently under investigation ), filed a report with the FTC and alerted all the companies involved. Information is still being reported that is not my accounts and records including several accounts, a chapter XXXX bankruptcy, several addresses including XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX. I have requested arbitration as this false fraudulent information is causing financial harm. These companies are not removing the items. The XXXX Police report # is XXXX is a new account from a XXXX point XXXX that was just reported from an address I have never been associated with as well

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 2025-04-09 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: LA

Complaint narrative:
I lost my wallet in 2018 which the contents included a driver 's license, social security card and credit cards. I was also a victim in XXXX of the data breach ( XXXX and XXXX ). Someone has been using my identity. There are addresses I have not ever been associated with including living at. I have alerted the police department ( which is currently under investigation ), filed a report with the FTC and alerted all the companies involved. Information is still being reported that is not my accounts and records including several accounts, a chapter XXXX bankruptcy, several addresses including XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX. I have requested arbitration as this false fraudulent information is causing financial harm. These companies are not removing the items. The XXXX Police report # is XXXX is a new account from a XXXX point XXXX that was just reported from an address I have never been associated with as well

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is not a misunderstanding or a minor issue, this is a valid and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy, and these errors are having a significant and ongoing negative impact on my life. The emotional and financial toll this is taking is substantial, especially during an already difficult time. Immediate correction or removal of these inaccuracies is not just important, it is essential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-09 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is not a misunderstanding or a minor issue, this is a valid and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy, and these errors are having a significant and ongoing negative impact on my life. The emotional and financial toll this is taking is substantial, especially during an already difficult time. Immediate correction or removal of these inaccuracies is not just important, it is essential.

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 2025-04-09 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear TransUnion, Experian and Equifax, I've previously attempted to dispute this account ; with no resolution.

This letter serves as a formal dispute regarding inaccurate late payment information currently listed on my credit report for the following account : Creditor Name ( XXXX XXXX XXXX  ) Account Number ( XXXX ) : My credit report currently shows a consistent pattern of " XXXX '' days late payments for nearly every month throughout XXXX ( XXXX ) and XXXX ( XXXX ). This pattern is highly improbable and suggests a significant error in the reporting of my payment history for this account. It is not realistic for an account to be exactly XXXX  days late each and every consecutive month over such an extended period. 

Furthermore, my credit report also indicates a status of " Paid or paying as agreed '' with an entry of " XX/XX/XXXX ''. This status contradicts the consistent listing of XXXX late payments in the preceding years, suggesting that the account was brought current. 
The consistently reported " XXXX '' days late status appears to be a data entry error, a system malfunction, or a misinterpretation of account status codes. This inaccurate reporting is negatively impacting my credit score, and I request an immediate investigation into this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear TransUnion, Experian and Equifax, I've previously attempted to dispute this account ; with no resolution.

This letter serves as a formal dispute regarding inaccurate late payment information currently listed on my credit report for the following account : Creditor Name ( XXXX XXXX XXXX  ) Account Number ( XXXX ) : My credit report currently shows a consistent pattern of " XXXX '' days late payments for nearly every month throughout XXXX ( XXXX ) and XXXX ( XXXX ). This pattern is highly improbable and suggests a significant error in the reporting of my payment history for this account. It is not realistic for an account to be exactly XXXX  days late each and every consecutive month over such an extended period. 

Furthermore, my credit report also indicates a status of " Paid or paying as agreed '' with an entry of " XX/XX/XXXX ''. This status contradicts the consistent listing of XXXX late payments in the preceding years, suggesting that the account was brought current. 
The consistently reported " XXXX '' days late status appears to be a data entry error, a system malfunction, or a misinterpretation of account status codes. This inaccurate reporting is negatively impacting my credit score, and I request an immediate investigation into this discrepancy.

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 2025-04-09 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: CA

Complaint narrative:
This is a formal and urgent complaint that requires your immediate attention. My credit report contains inaccurate and misleading information that clearly fails to meet the legal requirement of maximum possible accuracy under the Fair Credit Reporting Act. These errors are having a severe and ongoing impact on my personal and financial well-being. I am demanding a full re-investigation without delay, and any unverifiable or incorrect entries must be corrected or permanently removed. This is not a request, it is a critical obligation that must be fulfilled immediately.

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 2025-04-09 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: MS

Complaint narrative:
fraud removed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts and inquiries : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX  XX/XX/XXXX {$200.00} XXXX. XXXX XXXX XX/XX/XXXX {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections and public records appearing on my consumer XXXX credit report. Here is a list of the following hard inquiries in question, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX. I have also included a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, public records, collections, or hard inquiries as reported. The aforementioned accounts, collections, public records and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, public records and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
Account in question : Account name DEPT OF EDUCATION/NELN Account number XXXX Balance {$120000.00} My student loan servicer has reported a XXXX and XXXX late payment on my credit report without showing any XXXX or XXXX delinquency prior to that. The payment history previously showed 'OK'/paid on time. 

This violates the Fair Credit Reporting Act Sections XXXX and XXXX, as well as XXXX XXXX industry standards, which require complete and accurate credit reporting. I have disputed this with both the servicer and credit bureaus, but the inaccurate data has not been corrected.

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 2025-04-09 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am disputing two inaccurate late payments being reported on my credit file by XXXX ( Account ending in XXXX ) for the months of XXXX and XXXX. These late marks appear on my credit bureau report, yet I paid on time and have documentation to prove it. I contacted the creditor, and a representative confirmed that the account should not show as late, acknowledging that I paid early and on time. However, this issue remains unresolved. 

In accordance with Section 609 and Section 611 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter thoroughly. Under Section 609 ( a ) ( 1 ) ( A ), I am entitled to receive a full disclosure of the information being reported and its sources. Furthermore, as per Section 611 ( a ), if this information can not be verified within the required timeframe ( typically 30 days ), you are obligated to remove or correct it.

Additionally, under the Truth in Lending Act ( TILA ), creditors must properly disclose information, and I believe there may be discrepancies in the manner these payments were reported. I demand the immediate investigation of this matter and request documentation that substantiates these late payments. If you can not provide such documentation, the inaccurate information must be deleted from my credit file in accordance with the law.

This also falls under Section 623 of the FCRA, which requires data furnishers to report accurate information and to promptly correct and update information when they become aware it is inaccurate. Failure to do so can result in enforcement action by regulatory bodies. 

Furthermore, under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), unfair, deceptive, or abusive acts or practices ( UDAAP ) are prohibited. Continuing to report false late payments despite having been notified and acknowledging the error may constitute a UDAAP violation. 

I am demanding full removal of these late payments immediately, and request written confirmation once this has been completed. If the matter is not resolved within the timeframes established by federal law, I am prepared to escalate this complaint further and seek all remedies available under 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