vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
For the past week I've been trying to deposit a check using the mobile app. I've have done this numerous time in the past. However, this time I keep getting an error that says there is a problem reading the numbers clearly on the bottom. I can look at the photos I have taken, and this is absolutely no problem reading the number in the photo. On Monday, XX/XX/year>, I attempted to use the chat function to get help with tis issue. The chat is worthless. It doesn't answer any questions and just tells you to call with the issue. Why even have the chat if it's just going to tell you to call. There is no way to email the company. I prefer to have all my correspondence in writing to protect myself and the company. It seems some companies do want to do things in writing and that has e question how trustworthy they are. In the chat, I explained if I wasn't able to get answers via the chat that I would file a CFPB complaint to help get this resolved. The chat seemed to understand, or as good as they understood everything else. So that is the reason for my complaint. 

This is basically an online bank. They don't have a location near me for me to make a deposit. If they aren't going to allow me to make an online deposit, there is really no reason to even bank with them. 

For the record. I've tried multiple time over a few days. I've tried on different devices with the app. I've tried to reinstall the app. Nothing has worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am writing to express serious concern regarding a hard inquiry that has been reported on my credit file without my knowledge or consent. I have thoroughly reviewed my records and can confirm that I did not apply for any credit or authorize any financial institution or third party to access my credit report at the time the inquiry was made. The Fair Credit Reporting Act ( FCRA ) mandates that all inquiries into a consumers credit file must be conducted with a permissible purpose and explicit authorization. The absence of my consent renders this inquiry invalid and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I have continually asked for the re- investigation into the XXXX XXXX account on numerous occasions. Each time they are coming back verified when the information reporting is not reporting complete payment history and the fact it was re-aged in XXXX of XXXX but the account started in XX/XX/XXXX. In Experian and Transunion it is also reporting no data for XX/XX/XXXX to XX/XX/XXXX, which is also incorrect information when this account should be reporting on time payments. These are the things they are reporting as accurate and verified. When the investigation didnt correct the mistakes. CFPB has also sued these two credit bureaus for improperly handling investigations into issues that incorrectly been reporting and these two bureaus you continue to violate the FCRA federal law and the FDCPA federal law. These types of violations should never go unpunished. This has harmed my credit since XX/XX/XXXX for incorrect reporting and cause me not to be able to obtain things like a home because of the incorrect reporting and investigations into this matter. Im seeking punitive damages for years of mistakes from each separate entity. This has been hard and painful to bare when entities violate and false report information. This is why laws were set in place so these types of things dont happen.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift 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 explanation
Consumer complaint received 2025-06-26 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: GA

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$5100.00}

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 2025-06-26 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:
I am writing to report a serious issue with my credit report. I have identified multiple accounts that I did not open and never authorized. These accounts are completely unfamiliar to me and do not reflect my financial history or behavior. Their inclusion on my credit report is not only inaccurate but also extremely damaging to my creditworthiness and personal peace of mind.

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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
I am filling a complaint against First Horizon Bank here in Florida. We obtained a loan from them in XXXX of XXXX, which we faithfully paid on time each month, in XXXX, XXXX, we were able to pay the XXXX off in its entirety including any finance fees, Interest, etc., and balance of loan amount given to us by First Horizon Bank, we requested the Payoff amount and they provided that to us in which we sent Certified Funds to them after sending the funds, the balance on loan was {$0.00}, a week later or so, we received a letter from First Horizon Bank, stating that there was an escrow amount of {$1700.00} left in the escrow account, I called the Bank to find out when they would send me that overage, upon my call to them they stated there was no overage!, I proceeded to tell them that they sent a letter that there was that {$1700.00} dollars overage. I proceded to call the original finance manager that we got the loan from, and he wanted a copy of that letter which I emailed to him, he never responded to my email, but a week later we received another letter from the First Horizon Bank stating that they would send that overage and the Required Paperwork, Satisfaction of Loan document and the Payoff Documents Required by Law, that Law requires the Bank to send us those Documents within 30 days .We have never received anything from them only letters stating that they would send!. This has been going on since XX/XX/XXXX when we paid off the loan, here it is in XX/XX/XXXX, just a runaround, and we are Senior Citizens, it appears that there violating the Law, and Taking Advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-26 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:
Tried to fix issues with accounts that are not mine with two different companies reporting inaccurate information on my credit report, Always came back as verified. I have now filed an FTC report and will include it witht his complaint.

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 2025-06-26 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: GA

Complaint narrative:
Tried to fix issues with accounts that are not mine with two different companies reporting inaccurate information on my credit report, Always came back as verified. I have now filed an FTC report and will include it witht his complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I am submitting a complaint regardinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to misleading information that significantly impacted my financial situation and career prospects. 

In XXXX, I enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX based on assurances from XXXX XXXX representatives that graduates would secure immediate employment in the film industry with competitive salaries. I was led to believe that my investment of approximately {$50000.00} in federal student loans would result in a stable and lucrative career. However, after graduating in XXXX, I faced months of unemployment and ultimately had to accept minimum-wage jobs unrelated to my degree, earning only {$17000.00} annually. This stark contrast between the promised outcomes and my experience has caused severe financial strain, making it impossible for me to repay my loans. 

Additionally, I was assured that my community college credits would transfer seamlessly to XXXX XXXXXXXX, which was a crucial factor in my decision to enroll. However, none of my credits were accepted, forcing me to take additional courses and incur more debt than anticipated. This misrepresentation of credit transferability has further complicated my financial situation and extended the time required to complete my education. 

I have attempted to resolve these issues directly with XXXX XXXX XXXX but my concerns have not been adequately addressed. The misleading information provided during the recruitment process has resulted in significant emotional distress and ongoing financial hardship for over 15 years now. I am finally seeking relief through the Borrower Defense to Repayment program due to the substantial misrepresentations made by XXXX XXXX XXXX 

Key Details : Enrollment Date : XXXX Graduation Date : XXXX Total Federal Loans Incurred : Approximately {$50000.00} Actual Entry-Level Salary : {$17000.00} Credit Transfer Status : 0 % of community college credits accepted I appreciate your attention to this matter and look forward to your assistance in addressing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-06-26 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2025 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2025 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX TransUnion

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 2025-06-26 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: GA

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 reporting agency, 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

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 2025-06-26 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood restricted my account for no reason, and now I can not trade, can not withdraw my account and my account is basically frozen for no legal reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
YES A WHILE BACK XXXX XXXX  HAD SENT ME OUT A CHECK SO I CAN CASH IT AND GET THINGS THAT I NEEDED AND IF COURSE I HAD TO PAY IT BACK BY PAYMENTS AND AFTER I GOT THRU WITH THAT ONE THEY WAS SAYING I HAD MONEY AVAILABLE THAT I CAN GET EVERYTIME I PAY ONE OFF AND THE REASON I GET THE MONEY CAUSE I BE STRUGGLING AND STRUGGLING FROM TIME TO TIME SO I HAD A NEW LOAN OUT AND I WAS PAYING ON IT REAL GOOD AND THEN I STARTED STRUGGLING TO PAY IT CAUSE I DON'T HARDLY GET MY XXXX CHECK AND I JUST WORK PART TIME AND THAT LITTLE CHECK AIN'T ENOUGH AND I BEEN TRYING TO TALK TO THE MANAGE ABOUT MY SITUATION BUT SHE IS REALLY NOT TRYING TO HEAR IT I JUST SENT HER SOME MONEY ON MY ACCOUNT LAST WEEK AND I TOLD HER I WILL TRY TO SEND SOME MORE ON THE XXXX WHICH IS TOMORROW SO I CALLED HER THIS MORNING AND TOLD HER THAT I GOT TO GO TO MY XXXX RECERTIFY IN THE MORNING AT XXXX AND I DON'T KNOW HOW LONG I'M GON NA BE THERE BUT I COULD SEND A CHECK BY MAIL BUT SHE SAID OH IT AIN'T GON NA MAKE IT THERE BY THE XXXX I CAN LIVE MY HOUSE AND COME BACK TO THE JOB AND TAKE YOUR PAYMENT BY PHONE AND I TOLD HER WHAT'S THE DIFFERENT THAN ME SENDING A MONEY ORDER AS LONG AS SHE GETS THE MONEY THEN SHE SAID WHY YOU CAN'T PUT IT ON THE CARD LIKE YOU BEEN DOING AND I TOLD HER I CAN'T CAUSE I GOT XXXX XXXX TOMORROW SHE NOT TRYING TO HEAR IT AND I NEED TO TALK TO THE HEAD PEOPLE I NEED SOMEONE TO HELP ME OUT.

Company response to consumer: Closed with explanation