vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-09-25 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: NJ

Complaint narrative:
I am requesting updates to my personal information on my credit report. My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I ask that the following address be removed from my file as it is no longer my residence : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX. I also request that my employer information be updated to XXXX XXXX XXXX and reflected in my file. It is important that my credit report accurately reflects my current information. Credit bureaus are required under the Fair Credit Reporting Act to maintain up-to-date information, including 15 U.S.C. 1681c-2, which requires outdated information to be corrected or removed, and 15 U.S.C. 1681e ( b ), which requires that credit reports be maintained with maximum possible accuracy. I request that my file be updated accordingly and that a new copy of my credit report be sent to me once these changes are completed.

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 2025-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
My mother and I purchased new windows for our townhome approximately three years ago, with financing provided through Service Finance Company. My mother was the primary loan holder, and I was listed as co-signer. We made the agreed-upon monthly payments of {$130.00} consistently for several years. In XX/XX/year>, my mother sadly passed away from XXXX  XXXX. Despite this loss, I continued making the monthly payments on time until earlier this year. Unfortunately, without my mothers income, I began experiencing financial difficulty covering both this loan and the other household expenses. I contacted Service Finance Company to explain my situation and notify them of my mothers passing. The representative I spoke with seemed dismissive and only noted the account. A few months later, when I fell behind on payments, I again contacted the company to inquire about possible assistance. I was granted a deferment/extension, but a day prior, I discovered they had filed a UCC-1 lien against the property due to the missed payments. At no point was I notified in advance that the UCC-1 lien would be filed. The property in question is not even in my name, but in my late parents names. I find it deeply troubling that the company took such action without prior notice, especially considering the circumstances I am facing after the death of my mother. Service Finance Company has shown no empathy or willingness to work with me during this difficult time. I understand contractual obligations exist, but I also believe compassion and transparency are essential in customer service. Filing a lien without warning, particularly under these circumstances, feels predatory and unfair. I am filing this complaint in hopes of holding Service Finance Company accountable for their lack of communication, empathy, and support during a time of personal hardship.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX deposited {$250.00} in my checking account. I received notification from XXXX XXXX app that the deposit was credited to my account. On XX/XX/XXXX I checked my balance and saw the balance was {$260.00}. on XX/XX/year> I paid XXXX credit card bills. I also withdrew {$140.00} in person in the branch office located at XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX returned the funds {$250.00} to XXXX XXXX causing my account to be overdrawn and causing my credit cards to charge late fees and caused me financial hardship. XXXX refused to explain what they did. XXXX XXXX 'reversed " the loan. I have asked why this happened but neither company has given me a reasonable explanation. I believe it was an error on behalf of BMO bank. But this has caused continued errors and financial hardship and PHYSICAL pain due to continued actions by BMO Bank

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint : Navy Federal Credit Union mismanaged my accounts, mishandled my funds, created unauthorized accounts, and blocked access to my money. 

Key Issues & Timeline : XX/XX/year> : My checking and savings disappeared from the app. Attempts to open new accounts were denied. 
XX/XX/year> : Received {$4100.00} financial aid and made a XXXX XXXX purchase. XXXX XXXX held the authorized funds, blaming the merchant, who confirmed the bank was holding the money. 
XXXX XXXX  issued a {$1000.00} provisional credit, later reversed, and removed an additional {$410.00} from savings, creating unauthorized negative balances. 
XX/XX/year> : Received another {$1800.00} financial aid check, used for XXXX ( rent ). XXXX XXXX  falsely claims this caused negative balances, despite sufficient savings. 
XX/XX/year> : XXXX new accounts ( checking + savings ) appeared without my authorization. 
My account has now been set to accrual-only, preventing me from accessing my remaining funds, even though I still have approximately {$1000.00} plus incoming work deposits. 





Transaction Summary ( estimates ) : Previous overdraft balance : {$500.00} Balance : {$500.00} XX/XX/year>XXXX XXXX XXXX deposit : + {$4100.00} Balance : {$3600.00} XX/XX/year> XXXX XXXX purchase : {$1400.00} Balance : {$2200.00} XX/XX/year>XXXX XXXX XXXX deposit : + {$1800.00} Balance : {$4000.00} XX/XX/year> Rent / XXXX  : {$1800.00} Balance : {$2200.00} XXXX : {$210.00} Balance : {$2000.00} XXXX  : {$100.00} Balance : {$1900.00} XXXX ( estimate ) : {$900.00} Balance : {$1000.00} I have spoke with over XXXX people, and they all have been giving me the runaround. The fraud department said its because of the XXXX XXXX purchase XXXX of the supervisors that I spoke with all said it was because XXXX XXXX. Someone even stated that it was XXXX processing time and it couldve been a possible system glitch but theyre still holding me liable for this negative balance and they also took the {$410.00} out of my account and none of this stated that there was provisional credits. There were anything being taken out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year>, I deposited XXXX into my XXXX Checking Account using an ATM at their Branch on XXXX XXXX in XXXXXXXX XXXX 
This deposit was the proceeds from the sale of my partner 's home. XXXX accepted my deposit and subsequently placed a hold on my account. The funds are currently held in an suspense account. When I contacted XXXX, they said they needed to verify the source of funds which was from the sale of my partner 's home and they needed her green card documentation. My partner XXXX XXXX had an expired green cards but provided XXXX with a copy of the application for the new card. The green card application clearly states at the top that the notice presented with a copy of the expired card and a notice of the application for a new card can serve as her status. When I presented this to XXXX Bank, they still would not release the hold on the funds. I understand that XXXX has a Know Your Customer/CIP Program as part of their BSA AML Policy, but the documents that XXXX and I provided with respect to the Green Card clearly meets the Federal Law criteria of a " reasonable investigation '' as to the customers identity and source of funds. It has been XXXX months that my funds are being improperly held by XXXXXXXX XXXX and it has caused both XXXX and I extreme hardship. We need the proceeds for life expenses. XXXX 's refusal to release the funds is an unfair practice and we request that they provide the funds back to us. 
The check was written on US Bank, We have now reached out to US Bank several times and we were told it is an " internal issue '' and they can not talk to us about it, meanwhile it has been XXXX months of this money not in our hands but in theirs. I/we can not pay bills that are owed and are falling further into debt because of this mess. We now need US Bank to release the check to XXXX XXXX XXXX so they can issue us another check and we can move on with our lives. HOWEVER!!! I would also like to persue being paid interest and damages from both XXXX XXXX  & US Bank because of this.

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 2025-09-25 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the late payment notations that have been reported to the credit bureaus regarding my student loan account for the period of XX/XX/year> through XX/XX/year>. 
I recently became aware of these delinquencies and was surprised to learn that my account had been reported as past due. At the time, I was unaware of the missed payments and therefore dispute the accuracy of this reporting. I am a full-time second-year medical student at XXXX XXXX University XXXX XXXX XXXX and have been actively working to responsibly manage my educational loans. 
Since this time, I have enrolled in an income-driven repayment plan and my account is now in good standing. Because the late payment reporting is inaccurate and does not reflect my current repayment status, I request that XXXX immediately investigate this matter and remove the late payment notations from my credit report. 
This inaccurate reporting is causing undue harm to my credit profile and negatively affecting my ability to secure financing necessary to continue my education. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this information and request its correction. 
Please confirm receipt of this dispute and provide written confirmation once the reporting has been corrected. If additional documentation is required, please advise. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and found inaccurate late payment reporting on my account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXXXXXX. 

The account is showing multiple XXXX late payments across all XXXX  credit reporting agencies : TransUnion : XX/XX/XXXX ( XXXX  days late ) Experian : XX/XX/XXXX ( XXXX  days late ) Equifax : XX/XX/XXXX ( XXXX  days late ) These late payments are inaccurate and do not reflect my actual payment history. My records confirm that payments were made on time, and this account should not show any delinquencies. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires reinvestigation of disputed accounts. 

15 U.S.C. 1681e ( b ) requires maximum possible accuracy.

15 U.S.C. 1681s-2 obligates furnishers to report only accurate information.

In addition, under the Truth in Lending Act ( 15 U.S.C. 1666b and 1637 ( b ) ), creditors must ensure that payments are properly credited and periodic statements are mailed not later than XXXX  days before the due date. 

Because this account has already been disputed and continues to report inaccurately, this constitutes an ongoing violation of the FCRA. Unless valid proof can be provided ( such as billing statements, payment records, or communications showing actual delinquency ), this account should be corrected to reflect Paid As Agreed, Never Late ( 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 2025-09-25 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:
I reviewed my credit report and found inaccurate late payment reporting on my account XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXXXXXX. 

The account is showing multiple XXXX late payments across all XXXX  credit reporting agencies : TransUnion : XX/XX/XXXX ( XXXX  days late ) Experian : XX/XX/XXXX ( XXXX  days late ) Equifax : XX/XX/XXXX ( XXXX  days late ) These late payments are inaccurate and do not reflect my actual payment history. My records confirm that payments were made on time, and this account should not show any delinquencies. 

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i requires reinvestigation of disputed accounts. 

15 U.S.C. 1681e ( b ) requires maximum possible accuracy.

15 U.S.C. 1681s-2 obligates furnishers to report only accurate information.

In addition, under the Truth in Lending Act ( 15 U.S.C. 1666b and 1637 ( b ) ), creditors must ensure that payments are properly credited and periodic statements are mailed not later than XXXX  days before the due date. 

Because this account has already been disputed and continues to report inaccurately, this constitutes an ongoing violation of the FCRA. Unless valid proof can be provided ( such as billing statements, payment records, or communications showing actual delinquency ), this account should be corrected to reflect Paid As Agreed, Never Late ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
In line with 15 U.S. Code 1681g, the removal of disputed accounts must occur within 15 days.

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 2025-09-25 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: FL

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

Company 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