vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
XXXX 's website did not, and does not, support the ability to track stedent loan deferrments accurately, and as a result, provides midleading and incorrect information to consumers which adversely impacts credit ratings. 

I took out a student loan on my son 's behalf in XXXX. This loan had been in deferrment for several years. Although the loan is in my name, my son had agreed to be responsible for this loan and the contact information on the loan was in his name. He received notification from XXXX  that he needed to begin repayment of the loan and reached out in XX/XX/XXXX. My understanding from talking to XXXX was that the loan actually became due sometime XXXX but there were still deferrments applied to give people an opportunity to set up arrangments. My son attempted to contact XXXX but since the loan was in my name, they would not talk to him. He contacted me but i was on a month long vacation to XXXX. I returned from XXXX the end of XXXX with the intent to resolve this issue. I contacted XXXX XX/XX/XXXX and made a payment to get the account current. I also reviewed my credit report and saw that the account, per Experian, was current through XX/XX/XXXX. A few days later, I recived notification from Experian that my credit score had deopped over XXXX points. When I reviewed my credit report at that time, the XX/XX/XXXX payment from XXXX  still showed current but the XXXX reporting period, which had just posed, showed XXXX XXXX passed due. I contacted both Experian and XXXX to understand how that could have happened since the account went from current to XXXX XXXX passed due immediately. XXXX attempted to explain the deferrments which seemed to be applied and unapplied from XXXX XXXX to XX/XX/XXXX. XXXX 's report seems to have translated the deferrments into either " no report '' or " current '', both of which are incorrect. I filed XXXX disputes with Experian. The first one resulted in them updating the XX/XX/XXXX payment to also be XXXX XXXX  past due and the second one, where I asked them to explain how something can go from current XXXX month to XXXX XXXX past due the next month was closed with no action taken by Experian.

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 2025-07-02 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: TX

Complaint narrative:
Experian has willfully refused to correct or validate disputed items on my credit report.

Despite my XX/XX/XXXX Final Notice, XX/XX/XXXX XXXX  Demand ( with XXXX request ), and clear ID submissions, they continue to report : - XXXX late payments ( XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ) in violation of 15 USC 1666 ( b ). 
- XXXX XXXX XXXX XXXX collection ( XXXX XXXX ) without debt validation ( FDCPA 1692g ) or proper communication ( FDCPA 1692c ). 
On XX/XX/XXXX they again stalled by claiming my SSN was not legible. This pattern of delay is a direct FCRA violation ( 1681i ).

I request the CFPB investigate and require removal of these items.

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 2025-07-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report. I am a victim of identity theft, and there are accounts and inquiries listed that I did not authorize. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized items. Ive attached a list of the disputed accounts, a copy of my FTC Identity Theft Report, and proof of my identity.

Please investigate and confirm in writing once the items have been removed. Thank you for your prompt attention.

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 2025-07-02 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: IL

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I saw today that I received XXXX overdraft fees of {$34.00}. XXXX for a transaction for XXXX for {$5.00} and the other one for {$8.00} for XXXX. These are setup as ACH transactions and when I saw that these transactions had taken place. I had some money sent through XXXX and did a transfer for both. I didnt want more overdraft fees because of these transactions. I called Chase and told them what had happened with my account and what I had done to avoid this and these are bank errors. They stated they are not bank errors and nothing can be done. I also filed a complaint with them as well because its ridiculous I had the money put back into my account the same day the transactions took place to avoid an overdraft fee because my account was already in the negative. I was told this still took place because my account was already overdrawn. It doesnt make sense, thats putting me in the hole even more. I can see if I didnt put the funds right back into the account when the transactions took place but I did. This doesnt help the customer at all having their system and procedures setup this way. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Multiple issues with TD Bank unfair restrictions, incorrect credit reporting, unresolved duplicate payment record, and discriminatory practices I am submitting a formal complaint against TD Bank due to multiple serious issues that have significantly affected my credit and overall financial situation. 

First, while I was traveling abroad, TD Banks security system required XXXX verification in order to access my online banking. Even though I entered the correct password, I could not log in because XXXX verification was mandatory. This restriction made it impossible to update my expired credit card information. As a result, an automatic payment of just {$2.00} failed and was reported as a late payment on my credit report for several months, causing my credit score to drop by more than XXXX points. Although I contacted TD Bank, I only received copy-paste robotic responses. 

Second, even though I use my TD Bank credit card within the United States, I constantly receive " International credit card usage '' alerts. I am using my credit card in the XXXX, so I do not understand why I receive these messages are they charging me extra fees because of this? 

In addition, despite having paid my credit card balance in full in the past, TD Bank mistakenly charged me twice. I contacted them and filed a complaint, but they ignored the issue until I filed a complaint with U.S. government agencies. Only then did they refund the overcharged amount. However, even after the refund, TD Bank did not properly update my credit report, and the late or unpaid mark continues to damage my credit score. 

Finally, I believe that TD Bank unlawfully engages in discriminatory practices by targeting XXXX XXXXXXXX speakers and vulnerable customers in a sneaky, unethical, and malicious manner. They attempt to take advantage of these customers, knowing they may have difficulty defending their rights. A detailed investigation will prove that I am right. Unfortunately, I believe TD Banks senior management lacks the ethical standards and professional competence necessary to provide proper customer service and acts in violation of the law. 

Requested Resolution : Removal of the {$2.00} late payment mark from my credit report as a goodwill adjustment. 

Correction of the old duplicate payment error from years ago, showing that my balance was fully paid and that no late payment occurred. 

Identification of customers affected by TD Banks discriminatory practices, a full audit of the bank, the implementation of corrective measures, and appropriate penalties. 

I am requesting {$3000.00} in compensation for the financial and emotional harm I have suffered. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
They illegally added a collection account o my credit and I dont understand why because I never to XXXX XXXX to obtain my XXXX XXXX I got my XXXX from XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-02 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: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-02 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: IL

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Complaint Title : Barclays Not Honoring Instant Elite Gold Status Reward on XXXX Credit Card Complaint Description ( Copy/Paste ) : I applied for the XXXX XXXX Credit Card through Barclays on XX/XX/year>, and received the card on XX/XX/year>. The credit card is advertised with a clear benefit : cardholders receive XXXX XXXX XXXX XXXX with XXXX XXXX  after their first posted transaction. 

I made a {$600.00} purchase the very same day the card arrived. Since then, I have made over {$1400.00} in total purchases. However, the promised Gold Status has not been applied to my XXXX XXXX account even after 17 days. 

I contacted Barclays support multiple times : Initially, they claimed the reward was not on my account. 

After I escalated the issue and pressed further, the representative acknowledged that she could now " see the reward '' but could not explain why it had not been fulfilled. 

She created a case and said it might take up to two billing cycles ( about 6090 days ), despite the instant language in all promotional materials. 

This is a clear case of misleading marketing and poor reward fulfillment. If a reward is advertised as " instant, '' it should not take weeks of back-and-forth calls and waiting multiple billing cycles to receive it. 

This has caused me significant frustration, especially since I also purchased the XXXX XXXX from XXXX with the expectation of having status perks right away. Barclays and XXXX have both failed to coordinate or provide timely support. 

I am requesting that Barclays be held accountable for : Failing to fulfill advertised credit card rewards Misleading language regarding instant benefit delivery Lack of clear customer support 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 2025-07-02 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: IA

Complaint narrative:
My identity was stolen and someone opened several fraudulent accounts in my name

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conduent Incorporated
State: AZ

Complaint narrative:
I became unemployed. I was told that the money would come from the unemployment agency to a card called Way2Go. I received this card in the mail. I activated this card properly. I applied for unemployment benefits which appeared in the Way2Go account online. I attempted to make a transfer. The money said that it was cleared from my Way2Go account. Then XXXX XXXX later it would reappear. I called the number on the card for support. There is in no way any clear indication of how to reach a human being. Online I found a trick that when it asked for your social security number, enter all zeros, and finally it rings you to a human. The human said that I needed to send a bunch of verification information including bank statements and driver 's license front and back to confirm addresses and become allowed to make these transfers to my XXXX  XXXX XXXX. I sent this email to the address that they had me do so and I did not hear back. I called a week later and they say that I did not send the right information. There was no feedback loop to tell me this. I had to investigate it myself. They did not know on the phone what information was lacking. They said that they would put me in touch with a troubleshooting technician who would call me within XXXX XXXX They even selected a XXXX XXXX slot to await the call. The call never came. Several more calls to this number indicated that they were very inundated with these sorts of calls and that I would just need to be patient. I waited another week and still no call to help me through determining exactly how to confirm that my bank was legit and at this card could make transfers. I call again today and I receive news that this is a common problem and I'm told to go to XXXX where they can give me {$1000.00} cash for a fee or to my bank which will also charge a fee. The person I spoke to was deeply unhelpful provided no way forward and I'm thinking to myself. This is a government agency that has used this service called Way2Go and at every turn people are unhelpful to do the most basic thing which unemployment insurance is supposed to provide which is immediate funds for those in need. I wanted to raise this issue from a higher level because these people are completely avoiding a responsibility and the state should not be subjecting people who are in stressful situations such as regional unemployed to the now XXXX weeks long hassle that I have had to endure and I'm sure many are enduring as well as I read about similar experiences online. I still have XXXX way to transfer funds without going to a third party and paying a fee. This is alarming. Btw this is via the state of Arizona. The number called is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX * Balance : {$1400.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
these credit bureaus allowed my credit to be pulled without my consent. these companies took advantage by pulling my credit numerous amount of time in a small amount of time, ive put in for a removal 5 times and these bureaus refuses to remove

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