vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii continues to take fees even after my check has been deposited- I have many over draft fees I call and ask them why they claim its from a past charge - they see I am living paycheck to paycheck and they continue to take fees putting me further negative in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
Subject : Request For Permanent Removal of Disputed accounts in RE : XXXX I have received a letter from TransUnion on XX/XX/year>, stating the disputed accounts will remain on my credit report without an explanation. I have sent TransUnion multiple letters to validate the legitimacy of the disputed accounts. This Is a formal demand under the FCRA 15 USC 1681 and the FDCPA of 15 USC 1692. I have disputed the Validity and or accuracy of the disputed accounts. I have demanded that TransUnion provided me with complete validation of debt, including the original creditor name, address, phone number, a complete chain of title showing legal right to collect, itemized history of debt, a copy of the original contract or other documents establishing my liability. TransUnion has not provided me the requested validation when they receive the furnisher 's information. Therefore, this constitutes in legal claims for statutory and actual damages, cost, and attorney fees under the FCRA, FDCPA and applicable state laws. TransUnion has blatantly disregard the laws of the FCRA and FDCPA. 
Sincerely, 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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Consumer : XXXX XXXX Issue : Electronic bill pay payments not applied Between XX/XX/year> and XX/XX/year>, I sent weekly {$30.00} electronic bill pay payments from my Suncoast Credit Union account to the U.S. Department of Education for federal student loans serviced by XXXX. Total amount : {$810.00}. 

None of these payments were applied. I have opened two complaints with XXXX. ( Case # XXXX and # XXXX ) Both cases were closed with no resolution. XXXX confirmed in writing in response to the second case I opened that it can not locate the payments and does not have XXXX access. Suncoast has failed to initiate recovery or indemnification. 

I have gone into the credit union on two different occasions. Both resulted in cases being open. There has been no follow up from either case. This is the first case # XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax 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 XXXX  and Equifax 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 non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IN

Complaint narrative:
Subject : Request For Permanent Removal of Collections in RE : XXXX I have received a letter from Equifax stating the disputed accounts will remain on my credit without an explanation. I have sent Equifax letters to validate the legitimacy of the disputed accounts four days ago. This is a formal demand under the FCRA 15 USC 1681 and the FDCPA 15 USC 1692. I have disputed the Validity and or accuracy of the disputed accounts. I have demanded that Equifax provided me with a complete validation of debt, including the original creditor name, address, phone number, a complete chain of title showing legal right to collect, itemized history of debt, a copy of the original contract or other documents establishing my liability. Equifax has not provided me the requested validation when they received the furnisher 's information. Therefore, this constitutes in legal claims for statutory and actual damages, cost, and attorney fees under the FCRA, FDCPA and applicable state laws. Equifax has blatantly disregard the laws of the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I dispute the following accounts listed under my TransUnion credit report as inaccurate : Charged Off : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have called Equifax many times over the past 6 months as well as I have sent Equifax 3 letters with action to correct the following : 1. Correct my name on my credit profile. ( Copy of ID and Social Security provided on the the three various letters sent to Equifax ) 2.Update my address to the one on my ID 3. Place a security freeze on my credit profile 4. Remove Credit file indicator Equifax continues to state they have not received the letters. The last letter was sent certified and Equifax has received. Correct Equifax address has been verified by Equifax and used. 

I am unable to access credit due to Equifax error. Request correction + freeze immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NV

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint regarding XXXX Credits improper handling of a billing dispute involving goods not as described. 
On XX/XX/year>, I used XXXX XXXX to purchase concert tickets from XXXX for {$350.00}. The tickets provided were materially different from those advertised, placing me almost behind the stage with an obstructed view rather than in front of the stage as purchased. 
I attempted to resolve this dispute through XXXX XXXX multiple times over the course of more than a year. XXXX XXXX repeatedly denied my dispute, citing timing and policy limitations, despite the fact that this was a misrepresentation issue that could not reasonably be discovered until attending the event. 
XXXX Credits repeated denials and failure to properly investigate the dispute prevented timely resolution and directly contributed to the delay. I believe XXXX Credit failed to conduct a fair billing error investigation as required under the Fair Credit Billing 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 2025-12-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I initiated a wire transfer from my bank to a customer of PNC Bank. PNC received the wire, but the funds were never credited to the beneficiarys account. PNC froze the receiving account and appears to be holding the funds in an internal suspense or compliance account. 
My bank initiated a formal wire recall and sent a XXXX XXXX message demanding status and return of funds. PNC Bank has failed to respond to any interbank communications, emails, or calls. 
Because the funds were never credited to the beneficiary, this was not a completed wire transfer. PNCs continued non-response is causing significant financial harm. I am requesting regulatory assistance to compel PNC Bank to formally respond and return the funds to the originating bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts listed on my credit report. These items are inaccurate or incomplete and I request their immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Below are the details : Charged Off Accounts : XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$24000.00} I.C. XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4700.00} Inquiries : XXXX XXXX A, XX/XX/XXXX Late Payment : 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 2025-12-22 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain items on my credit report, which I believe to be inaccurate and incomplete. Below are the details of the accounts in question, separated by credit bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$270.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$1100.00} Inquiries : XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX Date : XXXX Late Payments : DEPT OF XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-22 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: MA

Complaint narrative:
I am disputing the following accounts on my credit report that were inaccurately reported. These accounts are being reported as charged-off, late, or have an incorrect status that needs to be corrected. Below are the details of the disputed accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2025-12-22 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: United Consumer Finance, Inc.
State: MA

Complaint narrative:
I was sick in bed as Im XXXX with serious health conditions & also was in 2 major car accidents when I heard loud banging on the office door on the 1st floor I am on the second floor when a strange man with no name on the very old tow truck while my vehicle was on his lift he stated he was taking my vehicle when I had never received a phone call nor a email regarding this illegal repossession the man would not show me any paperwork as I informed the man everything is being recorded as I have security cameras that captured everything as well as I was recording on my cell phone I tried reasoning with the man & called the finance company & spoke to a manager their who was extremely disrespectful rude & unprofessional who continuously kept hanging up the phone on me as I asked more questions & even threatened me that if I call him back I will never get my vehicle back the strange repo man them took my vehicle gave me his personal phone # & told me I would also need to pay him about {$500.00} in witch I did I have recipes also including the XXXX I was charged by the finance company called united consumer finance witch is no Lon my finance company & I was switched without my knowledge to a different finance company called XXXX that I never agreed or signed any paperwork for them to take over my lease as the person name XXXX who was the finance worker sold me his personal vehicle off the car lot that is now closed for bankruptcy as well the car I have is a lemon with many issues & I never got anything fixed like I was promised & the old owner blocked my phone # as I cont to contact him for the issue concerning my vehicle I also have proff of all the text mess as well they have tried to repo my vehicle 3 different times on false information & poor communication on XXXX end I am asking for assistance on getting my money back & help from you in regards to this thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I dispute the following accounts and inquiries on my Experian credit report due to inaccurate information. 

Charged Off Accounts Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Inquiries Account Name : XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Name : XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX  Date : XX/XX/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