vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, I deposited a cashiers check in person at the XXXX, Texas branch of Navy Federal Credit Union. At the time of deposit, the teller informed me that a two to five business day hold would be placed on the funds. 

Because the deposit was a cashiers check, I contacted Navy Federal Credit Union the same day to discuss funds availability and requested escalation to the appropriate compliance or regulatory department. I was informed that the regulatory department does not communicate directly with consumers. 

On XX/XX/XXXX, the next business day after the deposit, I received an email notification from Navy Federal Credit Union stating that the deposited cashiers check would be subject to a hold of up to five business days. 

No written exception notice or regulatory basis for extending the hold beyond next-day availability was provided at the time of deposit or in the email. 

Navy Federal Credit Union failed to properly apply Regulation CC ( 12 C.F.R. Part 229 ) regarding funds availability for a cashiers check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
In 2020, I fully paid off my federal student loans using proceeds from a home refinance. The loans were satisfied in full and closed.

During the COVID-19 federal student loan relief period, the government allowed borrowers to request refunds for payments made during that time. I contacted my loan servicer to ask about this refund program before requesting it.

I specifically asked whether requesting a refund would result in my loans being reinstated or whether I would be required to repay the refunded amount in the future. I was explicitly told by the loan servicer that I would not have to pay the refunded amount back and that it was part of the federal relief/forgiveness measures.

I was not informed verbally or in writing that accepting the refund would reinstate my student loans. I was not required to sign or acknowledge any agreement consenting to loan reinstatement or interest accrual.

Based on the information provided by the loan servicer, I accepted the refund in good faith.

After the refund was issued, the loan servicer reinstated approximately {$20000.00} in student loan debt and is now attempting to collect this b
alance with interest. This directly contradicts the information provided to me at the time I requested and accepted the refund.

I relied on the loan servicers representations when making my decision. Reinstating this debt after the fact without informed consent, written disclosure, or acknowledgment constitutes misrepresentation and has caused financial harm.

I am formally disputing the validity of this reinstated debt and requesting CFPB assistance in requiring the loan servicer to provide documentation showing that I was properly informed that the refund would reinstate my loans, or to correct the account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Coinbase refused to credit a valid XXXX refund after reissuing my debit card, then locked and deactivated my account following contradictory XXXX  and XXXX instructions. Despite full compliance and 6+ hours of contact, Coinbase retained refunded funds and denied access.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing this dispute regarding the following accounts that are listed on my credit report. These accounts have been charged off or contain incorrect information, and I am requesting that the credit bureaus take the necessary steps to resolve these issues. The accounts in dispute are as follows : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a remittance request through AXOS Bank to transfer {$100000.00} to a XXXX account for a normal business transaction. I provided AXOS Bank with the transaction agreement, and AXOS Bank agreed to the remittance. However, although {$100000.00} has been deducted from my AXOS Bank account ( Checking XXXX ), the funds have not yet reached the designated recipient 's account. Therefore, I filed a request for forced withdrawal of funds. AXOS Bank indicated they would assist me and informed me that they had accepted my application. On XX/XX/year>, I spoke with XXXX XXXX, an executive at AXOS Bank, who told me he would respond no later than XX/XX/year>, and promised to refund my {$100000.00} if he did not respond by then. However, I am currently unable to contact XXXX XXXX, and he has not given me any response within the stipulated time. When I contacted AXOS Bank again, they said they were unable to help, my forced withdrawal request has made no progress, and I still have not received any assistance. AXOS kept making excuses and never gave me a clear answer or a concrete solution. Having exhausted all other options, I contacted the Consumer Financial Protection Bureau ( CFPB ) to handle the matter. I hope they can resolve this issue as soon as possible and ensure my funds are smoothly returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are two accounts from Bank of America on my credit report that are not mine and I think that they are fraud. Please help me to remove those fraudulent accounts from my credit report as I'm a victim of identity theft. The fraud accounts are the following : BANK OF AMERICA XXXX # XXXX Date opened - XX/XX/XXXX {$1100.00} BANK OF AMERICA XXXX XXXX XXXX Date opened - XX/XX/XXXX {$1900.00}

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 explanation
Consumer complaint received 2025-12-23 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number 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 2025-12-23 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: TN

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to delete and correct inaccurate personal information on my credit reports, even after I followed their dispute process and provided all required documentation. 

I contacted all three credit bureaus and submitted my Identity Theft Report number, along with my correct name, phone number, date of birth, email address, and current address. This information was provided so the inaccurate personal information could be removed and updated. 

Even after receiving this information, none of the credit bureaus made any corrections or deletions. The incorrect personal information is still being reported and has not been blocked or removed. 

Their failure to act violates the Fair Credit Reporting Act. The bureaus did not take reasonable steps to ensure my information is accurate, did not properly investigate my dispute, and did not block or delete information related to identity theft after receiving a valid identity theft report. 

Because of this, I continue to experience issues and risk further harm due to inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to delete and correct inaccurate personal information on my credit reports, even after I followed their dispute process and provided all required documentation. 

I contacted all three credit bureaus and submitted my Identity Theft Report number, along with my correct name, phone number, date of birth, email address, and current address. This information was provided so the inaccurate personal information could be removed and updated. 

Even after receiving this information, none of the credit bureaus made any corrections or deletions. The incorrect personal information is still being reported and has not been blocked or removed. 

Their failure to act violates the Fair Credit Reporting Act. The bureaus did not take reasonable steps to ensure my information is accurate, did not properly investigate my dispute, and did not block or delete information related to identity theft after receiving a valid identity theft report. 

Because of this, I continue to experience issues and risk further harm due to inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met. 
The account that must be blocked and removed immediately is : XXXX - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, TRANSUNION continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

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 2025-12-23 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: TX

Complaint narrative:
I have no affiliation with these accounts and request their removal within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MN

Complaint narrative:
Experian has failed to conduct a reasonable reinvestigation of multiple disputed accounts despite written disputes submitted on XX/XX/year>, and XX/XX/year>. 

The disputed accounts include : XXXX XXXX  XXXX XXXX XXXX ( incorrect charge-off balance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inconsistent reporting vs. other bureaus ) These accounts remain inaccurately reported. Automated verification without independent review does not meet the FCRAs reinvestigation requirements under 15 U.S.C. 1681i. 

I am requesting CFPB intervention to require Experian to properly reinvestigate and delete any information that can not be verified as accurate.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is an update incase you came across my last complaint on the CFPB complaint database. 
Theres an attachment file below showing this issue had already been resolved I am submitting an update regarding my ongoing complaint against Ally Bank concerning the unjustified restriction of my account. 

On [ insert date ], I spoke directly with an Ally Bank investigator regarding my request to close the account. During the call, the investigator : Asked if I wanted to close my account, to which I responded yes. 
Then laughed and stated, No, not until this issue is resolved, seemingly referring to the so-called XXXX XXXX matterwhich has already been fully resolved and is unrelated to any current issue. 
Followed by saying, Ill be closing the account once resolved, without providing any clear timeline for resolution. 
Subsequently hung up abruptly, without offering further explanation or support. 

This behavior demonstrates misrepresentation of facts and unreasonable delay in resolving the matter, leaving my account restricted indefinitely without justification. Such conduct is unacceptable and potentially violates federal consumer protection and banking regulations. 

I request that the CFPB Review Ally Banks handling of my account restriction and their misrepresentation of the issue. 
Take appropriate action to ensure a prompt resolution and allow me to either access or close my account as requested. 
Document this update as part of my ongoing complaint.

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