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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S.

Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which w
ere obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding this matter

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid off my {$120000.00} student loan and my credit score went down XXXX points. Nonsensical.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My vehicle was traded in on XX/XX/year>. 
XXXX was originally due XX/XX/year>. XXXX XXXX is reporting the XX/XX/year> payment as XXXX  days late. Official payoff of that loan was completed XXXX XXXX. The XXXX  day late payment for XX/XX/year> is incorrect. 
They are also reporting XX/XX/year> as late and this was covered by a XXXX  month payment extension. This needs to be corrected. 
However since I'm not an active customer of XXXX XXXX they are not able to allow me to communicate with them. I've hired a XXXX party credit repair service with still no resolution.

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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My vehicle was traded in on XX/XX/year>. 
XXXX was originally due XX/XX/year>. XXXX XXXX is reporting the XX/XX/year> payment as XXXX  days late. Official payoff of that loan was completed XXXX XXXX. The XXXX  day late payment for XX/XX/year> is incorrect. 
They are also reporting XX/XX/year> as late and this was covered by a XXXX  month payment extension. This needs to be corrected. 
However since I'm not an active customer of XXXX XXXX they are not able to allow me to communicate with them. I've hired a XXXX party credit repair service with still no 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 2025-04-22 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: MS

Complaint narrative:
My vehicle was traded in on XX/XX/year>. 
XXXX was originally due XX/XX/year>. XXXX XXXX is reporting the XX/XX/year> payment as XXXX  days late. Official payoff of that loan was completed XXXX XXXX. The XXXX  day late payment for XX/XX/year> is incorrect. 
They are also reporting XX/XX/year> as late and this was covered by a XXXX  month payment extension. This needs to be corrected. 
However since I'm not an active customer of XXXX XXXX they are not able to allow me to communicate with them. I've hired a XXXX party credit repair service with still no 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 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 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: NY

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 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: NY

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

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

Complaint narrative:
discovered an unauthorized and inaccurate collection account on my credit report from Equifax Information Service LLC associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, Equifax Information Service LLC has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been experiencing a serious and ongoing issue with Regions Bank since XX/XX/scrub> 2025. I have attempted to send a {$680.00} payment via XXXX, but the transaction continues to be blocked, causing the payment to fail repeatedly. 
This situation has not only been extremely stressful but has also caused considerable embarrassment. The recipient only accepts XXXX, making it imperative that this payment be completed promptly. 
Over the past several days, I have contacted Regions Bank support and spoken with approximately ten different agents. In addition, I have visited a branch in person three times in an effort to resolve the issue. Unfortunately, none of these attempts have been successful. Each representative has provided the same unsatisfactory explanationeither that I should " continue trying until it goes through '' or that it is " an internal glitch. '' One representative even disconnected the call, which was especially frustrating and unprofessional. 
As of today, XX/XX/year>2025, this issue remains unresolved. I am urgently requesting immediate assistance to resolve this matter and allow the payment to go through without further delay.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Consumer Center XXXX XXXX Number : XXXX XX/XX/year> CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX CFPB case # XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, Ml, XXXX XXXX Whom It May Concern : This correspondence is in response to the complaint XXXX XXXX XXXX XXXX ( " XXXX '' ) received from your office on XX/XX/year> on behalf of the consumer ; XXXX XXXX, in which the consumer disputes the alleged inaccurate reporting of bankruptcy record case number XXXX listed on their file. Thank you for your patience while we reviewed this matter and prepared the appropriate response. 
In an effort to resolve the consumer 's concerns, XXXX initiated a dispute, and that investigation was resolved as of XX/XX/year>. During our investigation, XXXX located and removed the following records from the consumer 's file with XXXX : Bankruptcy Record : Bankruptcy record case number XXXX A resolution letter outlining the results of our reinvestigation and the consumer 's statutory rights was mailed directly for their review. 
Relation to the nationwide consumer reporting agencies. Please note when information is removed from consumer reports provided by XXXX as a result of a dispute or request, that change is only applicable to the reports generated by our company. Although XXXX XXXX XXXX XXXX ( " XXXX XXXX Management '' ), a XXXX XXXX, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, Experian, and TransUnion, XXXX XXXX XXXX 's role is limited to providing its customers data it retrieves from courts, including updates to existing records. These bulk records are not consumer reports as defined under the FCRA. Therefore, our customers make the final decision regarding whether or not to include a particular record in their result and are unaffected by the results of our reinvestigations. 
Disputed bankruptcy record case number XXXX submitted to credit bureaus. XXXX is a reseller of credit reports from the three nationwide consumer reporting agencies Experian, Equifax, and Transunion and follows the reinvestigation requirements outlined in the Fair Credit Reporting Act ( " FCRA '', 15 U.S.C. 1681 et seq. ) for disputes of the information therein. XXXX submits disputes to the originating consumer reporting agency and forwards the results received from the nationwide consumer reporting agencies to the consumer when the nationwide consumer reporting agencies completes their reinvestigation.

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: NJ

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 2025-04-22 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In XX/XX/year>, my partner was involved in a life-threatening car accident. During this time, I contacted XXXX XXXXXXXX XXXX by phone to request a deferral or hardship accommodation on my auto loan due to the emergency. I was advised that someone would follow up with me, but was not instructed on how to get further assistance. 

When I was finally able to follow up again, I was told that the 30-day late mark had already been reported and there was nothing that could be done. I explained the circumstances multiple times and asked for a goodwill removal or escalation. Despite my documented outreach and efforts to communicate in good faith, the bank continues to deny my request.

This 30-day late is the only derogatory mark on my credit and is now jeopardizing my ability to secure housing. Ive stayed current on all payments since the incident and have provided documentation related to the accident. I believe this mark is an unfair representation of my payment history and that the bank failed to follow through on my original request for assistance. Their investigation shows where they called to follow up while I was physically in the hospital caretaking, but I called back to solidify arrangements and their investigation doesnt have anymore information about my requests that I consistently made up through XXXX of this year. 

I am asking the CFPB to investigate this matter and request that XXXX XXXX XXXX correct the inaccurate reporting or offer a goodwill removal based on the documented hardship and communication timeline.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a previous complaint against bank of america alot of complaints the most recent a transaction was made by XXXX again they let go through again even though the funds wasn't there, but previously im going to add the same attachment where the merchant said the transaction wouldnt go through because the funds wasnt there I'm asking for the funds to be put but like previously, i emailed the executive like they've told me but no response see attachement, this needs to stop asap. i screen shot the previous 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 monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX  Date Updated XX/XX/XXXX High Balance {$2600.00} Original Creditor XXXX XXXX XXXX  Past Due {$2600.00} Pay Status >Collection<

Company response to consumer: Closed with explanation