vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
An individual deposited a portion of their Tax return into my savings account in the amount of {$1800.00} and in the amount of {$250.00}. These were payments they were sending to me for money they owed me. However, my bank Pen Fed Credit Union has permanently restricted me access to my account and has stated that I violated their policy by providing my account number to someone else. They will not allow me access to the funds, stating that the tax refunds into my account does not have my name on it and that the person that the tax refund came from is not a member of the account. So Pen Fed Credit Union is refusing to give me access to the funds and they are also refusing to send the funds back to IRS. I have requested and called over 3 times telling them to just send the funds back to IRS. They refuse to do so. They are telling me that the person must have IRS to either recall the funds or submit a " hold harmless ''. I told the individual that ... they called IRS twice so far, and IRS told him that they do not recall funds or file " hold harmless '', and that the banks should return/reject funds if the names do not match. 
Pen Fed is still refusing to do that. This is not okay, and this fraud being conducted by Pen Fed, because basically they are saying they are going to keep the funds if the IRS does not contact them for the funds. The money does not belong to Pen Fed.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-02 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-02 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-02 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: SC

Complaint narrative:
The bureaus keep reporting incorrect information on my credit report without any verification of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: SC

Complaint narrative:
The bureaus keep reporting incorrect information on my credit report without any verification of debt

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 2025-04-02 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 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 explanation
Consumer complaint received 2025-04-02 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: NJ

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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
XXXX original complaint. Company has been reporting my 90-120 days late since XXXX, while I was making trial payments for a modification due to incorrect information given at the time the loan. Was sold to XXXX. Now they have sold the loan again to XXXX XXXX. I have made ALL PAYMENTS AS AGREED since they finally completed their paperwork and set up a 3 month payment trial and modification that was for medical forbearance after ONE LATE PAYMENT. There was NEVER a 90 day delinquency. I can not get a job now or even apply to refinance and I am desperate for this to be corrected. XXXX originally sent a response saying they never reported me late in the first 60 days so the complaint was not valid. I am disputing the CONTINUED report owns even as recently as XX/XX/year> as a 90-120 day delinquency when they SOLD THE LOAN in XXXX to XXXX XXXX. They should not even have reported delinquency at all as I have complied with all their orders and requested .info while out dealing with a major health emergency. Please help this has DESTROYED my credit- I went from a XXXX XXXX a XXXX showing 90 days late still for the last 4 months while I was PAYING as agreed

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 2025-04-02 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: MI

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 2025-04-02 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: PA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: DE

Complaint narrative:
I am submitting this complaint because I disagree with XXXX Investigation 's results, which were too quick and improper. XXXX XXXX ( XXXX ) did not look if the college or the collection agency had respected the rules and obligations under the FDCPA. They did not attempt to contact me before they placed a debt collection on my credit report that has been impacted my credit score. I was a XXXX  at XXXX XXXX XXXX in New Jersey for the Fall XXXX semester, and was sponsored by a private sector. I enrolled for classes that semester by signing a one-page document to the college : " XXXX 's Financial Responsibility. '' The signed document explained that my tuition was paid ; it also explained if in the event that my sponsor is denied to pay my tuition, I will be responsible to the tuition back immediately. It was not the case, my employer was paid my tuition. Due to my family problems, I withdrew a class one week or two before the final exam. Due to my withdrawal, the college charged my student account instead. I completed and took the final exam. Again, due my family separation, as of XX/XX/XXXX I no longer lived in New Jersey. The college and the XXXX XXXX  had never attempt to contact before reporting this collection. I only received a very first letter from the collection agency on XX/XX/XXXX while they already placed a debt collection on XX/XX/XXXX with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
The credit account is with XXXX. I had a promotional interest-free deal for 2 years to pay for XX/XX/XXXXXXXX. I made regular payments for 1 year and 9 months. I began asking them to close the account more than 2 months before the promotion was to end and to send me a final amount due. They did not send the information, nor did they close the account. I called them XXXX more times in the next month, and each time, they said they had no record of the previous call, but they would close the account and send me a final bill. By the fourth call, I was irate and demanded again that they send me the final bill. They waited another XXXX weeks to close the account ( days after the promotion ended ) and assessed over {$2000.00} in interest fees. I paid the principal amount ( total of over {$4000.00} ). I informed them that I would not be paying the interest. They now call me regularly and have dinged my credit report. I have sent them 1 notice to remove the fees, close the account and undo the negative report to my credit agencies in XXXX. I told them if they contacted me again, or reported it to the credit agency, I would file a formal complaint. They did not remove the fees and end this, and they have reported me to the credit agencies. I am now filing a formal complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I applied for the Chase XXXX XXXX card and didnt get an email about a status update. I called twice and the automated line said my application was still processing. The third time I called it said it could t find my application. It took many options but finally spoke to a representative who said it was denied and they didnt know why and could t tell me why. I called again later and was told by another representative that they needed to verify further information and that I could have appealed the decline, but because the first representative didnt share that information with me, I missed the deadline. I was advised to apply again, which I did, then was approved. My wife received the card in the mail for me, as I was traveling. I called to activate the card and was told the account had been locked. It took several days, more than 20 phone calls, a lot of misinformation, being hon hold for tens of hours, having apologies from managers, to find out they needed specific information from me for some sort of fraud check. I sent them the information and explained that I was traveling. I changed the phone contact number and asked that they make a note to call me if any further information was needed. Instead they closed the account without notice as agreed. I was told to apply again, which I did, and I was then declined again. Now with many hours wasted I have two credit report checks affecting my credit score and have not had my account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: MOHELA
State: NJ

Complaint narrative:
I am writing to formally dispute a charge or action related to my student loan account ( XXXX ). I have reviewed my loan statement and identified a discrepancy that I would like to address. Specifically, inaccurate amount, would like for it to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
My Equifax credit report is incorrect. My Address, and payment history, account information are all incorrect for multiple accounts. Several accounts are missing from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I filed a formal dispute with TransUnion and complaint with cfpb regarding inaccurate information on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), TransUnion is required to investigate and respond to my dispute within 30 days. 

It is now over 30 days, and I have not received any resolution or investigation results from TransUnion regarding my dispute. This is a clear violation of the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates a consumer reporting agency to conduct a reasonable investigation and respond within 30 days of receiving a dispute.

I for the the CFPB complaint regarding this issue on XX/XX/XXXX. TransUnion responded to that complaint with a vague message stating : We received your complaint

about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request.

This response is noncompliant, as it does not address my original dispute or explain why they failed to complete their investigation in the 30-day timeframe as required by law. Instead, TransUnion is using the CFPB complaint as an excuse to delay their legal obligations.

I am requesting that the CFPB investigate this matter further and take appropriate action to ensure TransUnion complies with the law and processes consumer disputes in a timely and lawful manner.

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