vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 7 days stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX date XX/XX/year> amount {$200.00}

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 non-monetary relief
Consumer complaint received 2025-04-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In the early hours of XX/XX/XXXX around XXXX XXXX  I made two deposits at the XXXX XXXX XXXX  in XXXX Ohio. My first deposit for {$600.00} went through fine. My second deposit for {$500.00} was taken by the atm and then a message saying your cash was not taken in time. To protect your accounts, Ive pulled your cash back in. Contact your financial institution. This is now the THIRD time within a year and a half that this has happened to me. I eventually get my money back but have to wait days ( up to 10 ) to get my money back. I immediately took a screen shot of the screen. Then the atm wouldnt give me my card back for about 6 minutes. Eventually the arm did give me my card but no receipt. I logged into my banking app and requested a call from Huntington customer service but the app said I was at the max amount of requests?!? Ive only ever requested a call back when the atm eats my money. So later that day when the bank opened up I called that locations office and asked to speak with a manager. None were on duty. I asked to speak to XXXX XXXX locations manager. There were none at that office. So I called the XXXX number. I spoke to someone who did file a dispute for me but I wanted a credit to my account. Im tired of their crummy ATMs making me have to wait for my money. So they put a manager on the phone who filed the dispute as urgent. This was on XX/XX/year>. Today is the XXXX of XXXX and still no money. So I called the local branch on XXXX at XXXX XXXX  and asked to speak with a manager. I was told they were currently helping someone else. I left my info for him to call me back when he was finished helping someone else its XXXX and still havent received a call. So I called the XXXX number again and spoke to a lady who filed another urgent dispute. I was told I should have e my money by XX/XX/XXXX. I get that they have to investigate and do what they have to do. I dont get how this keeps happening only at the XXXX Ohio XXXX. This is a multi XXXX dollar company whose CEO makes over XXXX XXXX dollars a year but I cant get a credit for my own money? So now Im going on my XXXX day without my medication that I needed and without my car payment money. The last time it happened I had to go days without groceries and no gas. And no one cares as long as I doesnt cost Huntington a XXXX. They need to take some of those XXXX and invest in new functioning ATMs in XXXX. Im reporting this bank for faulty ATMs and keeping my money from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-22 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: GA

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 2025-04-22 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:
XXXX'Stephanie Birdwell XXXX XXXX XXXXPLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142(B)(4)-5-1002.142(B)(7), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX  BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX  OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTSXXXX 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 2025-04-22 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 am submitting a complaint to dispute inaccurate names and addresses on my credit file. 
XXXX XXXX XXXX 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 2025-04-22 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am reporting Fifth Third Bank for freezing access to my account and refusing to release my available funds, despite multiple confirmations that the balance was cleared and accessible. 

My account was unexpectedly closed due to a previous check that had already been addressed and reversed. On XX/XX/year>, I deposited a government-issued unemployment check for {$520.00}, which was confirmed by phone support on XX/XX/XXXX as cleared, with a total available balance of {$630.00}. I have also had a {$250.00} direct deposit hit the account since the closure, and I was able to use part of it before the account was locked down without warning. 

Despite visiting the branch in person, the staff told me they were unable to release the funds due to a fraud hold and stated that the funds may be withheld for XXXX more business days even though the manager herself confirmed the funds had cleared and was surprised by the restriction.

I now have no access to online banking, debit card, ATM, or customer service chat, and the bank refuses to escalate my request or allow me to speak with a supervisor. Ive submitted a complaint to Fifth Thirds Office of the President but have not received any resolution. 

I am facing severe financial hardship as I can not access my own money. I need the CFPB to help ensure Fifth Third is held accountable for : 1. Failing to notify me properly about the closure and restrictions 2. Continuing to accept deposits and then freezing funds 3. Refusing to release confirmed available balances 4. Violating their own policy on availability of government-issued checks I am requesting the immediate release of my funds and a formal investigation into their handling of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
Why do transunion and XXXX keep reporting this when XXXX XXXX agreed it was inaccurate please remove this late payment for XX/XX/scrub> 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 2025-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX instructed his team of Department of government Efficiency ( DOGE ) officials to gain access to the department of education private information, including my financial aid data that contains my personal information. Since My information has been compromised I want to file a 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: OH

Complaint narrative:
They sent an email to my wife who is not a signer or guarantor on the loan along with the amount owed. I believe this is a violation See following From : Bounce AI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Regarding your debt from XXXX XXXX Reply-To : XXXX Bounce logo Outstanding balance alert Your Line of Credit balance of {$8800.00} with XXXX XXXX is now being handled by Bounce AIreview your available settlement and flexible payment plans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I recieved a letter in the mail dated XX/XX/year> stating that my Indigo XXXX Acct enig in XXXX which I recently opened had a temporary block placed on it until I sent in Identity Verification Documentation of one of the following : * Unexpired state issused drivers license * Unexpired U.S Passport * Unexpired U.S Military card which reflects name & DOB * Unexpired permanent resident card or resident alien card I was instructed to mail or fax the documentation via the letter recieved. 

On Tuesday XX/XX/year> at XXXX EDT my fax was confirmed as recieved by the complany. Today XX/XX/year> I called the company to vefiy that my account was unblocked at which now they are telling me that I need to resend the fax, at which I already paid to do, and this time include a signature on all documents faxed in. The letter dated XX/XX/year> does not state anyhing about signing any of the Identity verification documents and now the comapny refuses to unblock my card although I have complied with all instructions in the letter. I have to pay for faxes and I should not have to pay again due to the company failing to include this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
The account is too old and the balance is incorrect.

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
New information attached. I need these questions answered. 
How was check altered? 
Why hasnt chase pulled the check back? Why hasnt navy federal contacted chase on the matter of the check?

Why is navy federal holding the check?

Why is the check showing cashed and not returned? 

I contacted XXXX and they told me they do not issue hold harmless letters for checks I have also attached the email from the insurance company staying at the check is still showing cashed and not returned

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SOFI TECHNOLOGIES, INC.
State: AK

Complaint narrative:
I applied for a personal load through Sofi and was denied due to failure to verify my identity. Sofi claims it was a failure to identify my co-applicant. My co-applicant did not receive any notification from SOFI that more information was needed, and if identity verification was needed then it is not logical that our credit scores would be checked not once but twice, as I now have 2 hard inquiry 's on my credit report from SOFI. My co-applicants credit was also checked and now has a hard inquiry as well. 
In the denial letter it clearly states that my credit score would not be affected by this denial, however due to the XXXX hard inquiry 's it has negatively affected my and my partners scores. 

I again ask that these inquiry 's be removed from my credit report, as SOFI failed to inform us that more information was needed to process this loan application. I have phone and email records to prove this fact and no communication was sent to me within the SOFI app either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: OH

Complaint narrative:
I requested for XXXX to report the CORRECT BALANCE. I paid my balance down to {$3800.00}, and they still reported A HIGH, INCORRECT BALANCE!!!

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 2025-04-22 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: OH

Complaint narrative:
I requested for XXXX to report the CORRECT BALANCE. I paid my balance down to {$3800.00}, and they still reported A HIGH, INCORRECT BALANCE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$300.00} / XXXX XXXX XXXX XXXX. {$710.00} Account 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 2025-04-22 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-22 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: WA

Complaint narrative:
I DO NOT RECOGNIZE ANY OF THESE ADDRESS PLEASE REMOVE 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation
State: OR

Complaint narrative:
Patenaude & Felix a debt collection company is saying I owe money on a credit card with XXXX XXXX XXXX XXXX. I sent a letter asking for a copy of any document or agreement or contract with my signature. They did not respond. I called XXXXXXXX XXXX XXXX XXXX. they have no record of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-04-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation