vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: WI

Complaint narrative:
I am writing to follow up on my previous dispute regarding some inaccurate negative accounts on my credit report. Despite my previous correspondence and the passage of a considerable amount of time, I have not received any response from your agency, nor has the disputed items been removed from 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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am the beneficiary of the custodial account ending in XXXX, established under the XXXX  Transfers to Minors XXXX ( XXXXXXXX XXXX ) XXXX I am XXXX XXXX XXXX, and under RSMo 404.051, I am the sole legal owner of these funds. 
Despite my visit to this branch on XX/XX/year>, when I was told there was no account for me, I have since received PNC documents showing that on XX/XX/year>, {$16000.00} was transferred out of account XXXX, and on XX/XX/year>, a new account ending in XXXX was opened under the custodians name. These transfers occurred without my authorization. 
This is a violation of Missouri law. Once the beneficiary reaches age XXXX, a custodian has no legal authority to withdraw or move funds. 
I am formally demanding that PNC Bank immediately : Reverse the unauthorized transfer, and ReleasXXXX the full balance to me, free of custodianship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the incorrect personal information that appears on my credit reports. The names, addresses, and/or identifying details being reported are inaccurate, outdated, and not associated with me. This false reporting creates confusion, exposes me to potential identity theft, and prevents the fair and accurate reporting of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, consumer reporting agencies are required to maintain credit files that are accurate, complete, and up to date. Since this personal information is incorrect and unverifiable, I demand its immediate and permanent removal from my credit file across all three bureaus.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was told my loan office that I had interlock lock on my file I send my license social and my bill several time still cant make a loan bc they claim they didnt receive my documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was told my loan office that I had interlock lock on my file I send my license social and my bill several time still cant make a loan bc they claim they didnt receive my documents

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 2025-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
In XXXX XXXX, I enrolled in autopay for my federal student loan with XXXX XXXX. I used bank account information that I had already verified with successful manual payments, ruling out any error on my part. 

Despite this, the autopay system failed to process scheduled payments for multiple months. I never received any error messages or failure notifications via email. The only communications were generic monthly statements. I received a single urgent payment reminder email on XX/XX/year>, but this was sent far too late to prevent the account from becoming severely past due. I made a full lump-sum payment of the past-due amount on XX/XX/year>, immediately after becoming aware of the problem. 

Prior to this incident, I had always maintained exceptional credit with a score of XXXX on Experian and had never had a late payment on any account. The delinquencies reported by XXXX are a severe anomaly that does not reflect my financial responsibility. This error caused my score to drop XXXX points to XXXX, with significant damage also reflected on my TransUnion and Equifax reports. 

When I contacted XXXX customer service for help troubleshooting, the response provided only basic instructions and a list of irrelevant deferment options, without any meaningful diagnostic help or acknowledgment of the autopay failure. 

This is not an isolated incident. My research has revealed numerous public complaints from other borrowers experiencing the identical issue, confirming this is a known, systemic defect in XXXX 's autopay system. 

Although the XXXX website now shows a different autopay status after many rounds of troubleshooting and my complaint submission, this does nothing to repair the severe financial harm I have already suffered. The company has refused to correct the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to file a complaint regarding misleading promotional financing terms connected to my furniture purchase from XXXX XXXX XXXX in XX/XX/XXXX. 

At the time of purchase, I was told that I would receive a promotional financing deal allowing me to pay no interest for up to 24 months. I was also informed that, once the promotional period ended, any remaining balance would begin to accrue interest moving forward. Based on this representation, I made consistent payments and successfully reduced my balance from {$3300.00} to {$1000.00} by XX/XX/XXXX. 

However, when I logged into my account to make a payment in XX/XX/XXXX, I discovered that my account balance had increased to {$3500.00}. I immediately contacted customer service, who explained that the promotional period had expired and that 24 months of deferred interest was added retroactively to my balance. 

This was never clearly disclosed to me at the time of purchase. I was led to believe that interest would only apply to the remaining balance after the promotional period, not that the full accrued interest would be applied retroactively if the balance was not fully paid off. 

As a result, I feel misled by the financing terms and now face a balance larger than my original purchase, despite diligently making payments. I request the CFPB to investigate this matter, as I believe these practices are deceptive and harmful to consumers. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
XXXX XXXX is reporting multiple alleged debts on my credit report that are inaccurate and inconsistent. One account ( No. XXXX * * * * ) lists XXXX XXXX Bank as the original creditor with a balance of {$850.00}. However, when I contacted XXXX XXXX, they confirmed that the account was charged off in XXXX for {$590.00} and later sold to XXXX. The balance reported by XXXX does not match the balance provided by the original creditor. 

In addition, XXXX is reporting another collection account ( No. XXXX * * * * ) with a balance of {$440.00} but no original creditor listed. Even if this account is related, the balances still do not align with the records I received directly from XXXX XXXX. I have attached the correspondence from XXXX XXXX to confirm this discrepancy. 

Under the Fair Credit Reporting Act ( FCRA ), information furnished to the credit bureaus must be accurate and up to date. Reporting conflicting balances and failing to identify the original creditor violates these requirements. Further, the account in question was charged off in XXXX, making it out of date and beyond the statute of limitations. This suggests the account has been improperly re-aged, another violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I am demanding the immediate deletion of both accounts from my credit reports due to these inaccuracies and compliance failures. I will also be filing a XXXX  complaint to document this issue.

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 2025-09-16 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: TX

Complaint narrative:
XXXX XXXX is reporting multiple alleged debts on my credit report that are inaccurate and inconsistent. XXXX account ( No. XXXX * * * * ) lists XXXX XXXX Bank as the original creditor with a balance of {$850.00}. However, when I contacted XXXX XXXX, they confirmed that the account was charged off in XXXX  for {$590.00} and later sold to XXXX. The balance reported by XXXX does not match the balance provided by the original creditor. 

In addition, XXXX is reporting another collection account ( No. XXXX * * * * ) with a balance of {$440.00} but no original creditor listed. Even if this account is related, the balances still do not align with the records I received directly from XXXX XXXX. I have attached the correspondence from XXXX XXXX to confirm this discrepancy. 

Under the Fair Credit Reporting Act ( FCRA ), information furnished to the credit bureaus must be accurate and up to date. Reporting conflicting balances and failing to identify the original creditor violates these requirements. Further, the account in question was charged off in XXXX, making it out of date and beyond the statute of limitations. This suggests the account has been improperly re-aged, another violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I am demanding the immediate deletion of both accounts from my credit reports due to these inaccuracies and compliance failures. I will also be filing a XXXX  complaint to document this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Its been a while but I just heard about you all So Regions Bank I use to have an account with them one day I use my XXXX XXXX card with my tax money on it at they ATM machine the money did not come out of the ATM so I go inside to tell the manager she began to tell me it was nothing she could do call my card an dispute it I did that so upon that happening I had to wait to get my money from them when they found out it was there machine mistake they put the money back on my card XXXX  Day later not just that but because I had that complaint she closed my Regions account without notifying me when my money was directly deposited into that account they told me that they had closed my account for whatever reason and mailed me my money days later never some what an inconvenience that was all my bill money was in there at that time

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 2025-09-16 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:
there are fraudulent accounts and personal information reporting on my credit report that do not belong to me. Equifax and Experian refuses to remove it off of my credit report. I have submitted all documentation to them. Under 605b the account should be removed within 4 business days of receiving the documents i provided due to identity theft.

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 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-16 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I have notified TransWorld on several occasions since XXXX  that they are illegally reporting a ghost debt, the original account was paid in full ( XXXX XXXX ) and multiple other collection agencies have attempted to collect on this same account in the past and been forced to remove it due to lack of proof of actual balance owed. This company is the third one I have requested proof and after multiple attempts send a cease and desist of collection actions with a 14 day demand letter. It has been multiple weeks with no action from the agency. I am asking that the line item be removed from my credit report for any and all credit reporting agencies and the company close the file and cease and desist any attempt to collect going forward AND are banned from selling the account to another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I have been trying for many days to do an international transfer, so they lock my account, then they say I can go with the transfer. I repeat, the same thing is happening again, now I'm on my fourth try, so I gave up and decided to open a complaint and ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CO

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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