vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
XXXX XXXX sent me a cashiers check of {$25000.00} the first time which everything went fine, 2 weeks later she sent me another for {$25000.00} which was to go for bills, then old national bank at XXXX which XXXX is the regional  manager made the money available but when I wanted to make transfers and withdrawals they said I cant use the money and they put it on hold. Its been over a month now, theyve talked to XXXX, XXXX told them to release the money to me that shes the one who sent it but they refused they keep lying and the worst part is they cant even tell me how long the investigation is going to take, I lost my Dog XXXX in the process of all this because I couldnt get her the meds she needed because the bank put my account on hold for no reason and its been months now, no matter the investigation it doesnt take long, XXXX who sent the money called them but XXXX and her friends keep lying to me. They dont do their work at old national bank, theyve try to steal peoples money especially the regional manager over there at XXXX IL

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 2025-11-01 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of my accounts with XXXX XXXX  ( account ending in XXXX ) and XXXX XXXX XXXX XXXX XXXX account ending in XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} on my credit report. After reviewing my credit history in detail, I have identified reporting inconsistencies that misrepresent the true status of these accounts and could negatively affect my creditworthiness. I am requesting a thorough reinvestigation of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Section 611 ), which grants consumers the right to dispute information they believe is incomplete or inaccurate and obligates the credit reporting agency to conduct a reasonable reinvestigation of any disputed data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
My bank account was opened on XX/XX/XXXX with an initial deposit of {$21.00}, followed by XXXX scheduled direct deposits of approximately {$1500.00} each. Without any notice, the account was frozen. I had to call on XX/XX/XXXX to find out why, and I was instructed to upload my paystub and drivers license, which I promptly did. When I followed up on XX/XX/XXXX, I was informed that the initial instructions provided by E * TRADE were incorrect and that I now needed to submit my Social Security card, drivers license, and an external funding account bank statement. During that same call, my husband was told something differentthat they needed the funding account statement along with my Social Security card and drivers license. We requested that the initial call be reviewed due to these conflicting instructions, and we have not received any follow-up. On XX/XX/XXXX, I spoke with a representative named XXXX XXXX, who stated that my drivers license upload was not acceptable because it was a scanned XXXX  instead of a photo, although we were never informed that scans would not be accepted. Representatives also refused to provide the names of the prior employees we spoke with. As a result of this ongoing miscommunication and lack of consistent guidance, two of the {$1500.00} direct deposits were rejected and delayed, causing financial inconvenience and stress. The repeated conflicting information, lack of proper training, and failure to resolve this issue demonstrate a significant breakdown in communication and consumer service. I am requesting a full review, correction of the account freeze issue, and confirmation that future deposits will not be disrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very frustrated to see that inaccurate late payments are still appearing on my credit report this morning, even after I checked again. I do not understand why they have not been removed. Please review the documents I submitted immediately so this can finally be resolved and I can stop stressing about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I see that incorrect accounts are still appearing on my credit report and they have not been removed. I urgently ask that the documents I attached be reviewed carefully so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In XXXX, I graduated from college with 8 federal student loans. Because of the pandemic, income levels, and repayment plan, I had {$0.00} payments from XXXX of XXXX, continuously until today. My payments are still {$0.00} under my current repayment plan. In XX/XX/XXXX, before the start of higher interest rates, I was able to pay over {$17000.00} towards paying off my student loans. I paid 5 of the loans in full. When I contacted the XXXX XXXX XXXX, and my loan servicer, XXXX, they both stated that the 5 loans were paid in full and all payments were on time. I have reconfirmed this recently as well. TransUnion and more recently Experian have stated that I have missed payments and that the loans were settled for less than the full balance. This is wrong. First, it is impossible to make a {$0.00} payment late. Second, both the Department of Education, who own the loans, and XXXX, my loan servicer have confirmed the loans were paid in full, and that no payments were missed.

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 2025-11-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Pomelo Technology US Inc
State: GA

Complaint narrative:
I sent money from XXXX to XXXX via XXXX money trasfer app, with transaction number XXXX Source currency : USD - {$1300.00} Designation Currency : INR - XXXX Send from my XXXX bank ( XXXX XXXX account to my XXXXXXXX XXXX  account ( XXXX XXXX ) The XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ET Its been more than 48hrs there is no update on the transaction.

I followed up so many times every time I speak to them, they say that escalated and finding a resolution for that, but there is nothing seems to be happening. They advertise that the money will be sent within a few minutes right now its a few days and there is no update. I even asked him to cancel the request so that I can re-get the money back to my account even that is not happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
The original loan was not mine but was my daughters, XXXX XXXX. I co-signed for the loan. XXXX filed for bankruptcy and the loan was supposed to be charged off but Navient didnt charge it off but converted the loan to my name. At that time the balance on the loan was supposed to be approximately {$8800.00}, but Navient was erroneously showing the balance as approximately {$14000.00}. Then Navient had a class action suit filed against them and they were ordered by the court to not try to collect on any of their loans at that time. After 2 years, Navient reported the loan on my credit report as a charge off. It should not be on my credit report at all, but should have shown as a charge off on my daughters, XXXX XXXX, credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I paid more than {$24000.00} to a XXXX  facility for XXXX and XXXX that was never completed. The clinic abruptly terminated all services on XX/XX/year> while my pet was still in active treatment and then refused a refund. I submitted detailed evidence to XXXX XXXX XXXX and Synchrony Bank ( CareCredit ) proving that services were not delivered and that the business violated New York XXXX regulations. 
Each company denied my disputes without meaningful explanation and failed to provide copies of their investigation or decision records, contrary to the Fair Credit Billing Act. I specifically requested written verification of the evidence reviewed, but all three companies sent only generic denial letters. My accounts and credit were negatively affected even though the charges were for undelivered 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 monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I am sending this letter to formally request that the following information be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ] : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: DC

Complaint narrative:
In XXXX, I graduated from college with 8 federal student loans. Because of the pandemic, income levels, and repayment plan, I had {$0.00} payments from XXXX of XXXX, continuously until today. My payments are still {$0.00} under my current repayment plan. In XX/XX/XXXX, before the start of higher interest rates, I was able to pay over {$17000.00} towards paying off my student loans. I paid 5 of the loans in full. When I contacted the XXXX XXXX XXXX, and my loan servicer, XXXX, they both stated that the 5 loans were paid in full and all payments were on time. I have reconfirmed this recently as well. TransUnion and more recently Experian have stated that I have missed payments and that the loans were settled for less than the full balance. This is wrong. First, it is impossible to make a {$0.00} payment late. Second, both the Department of Education, who own the loans, and XXXX, my loan servicer have confirmed the loans were paid in full, and that no payments were missed.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
CFPB, I am filing this complaint because I feel that Oportun did not give me a fair or reasonable opportunity to obtain a loan or participate in their credit-building programs. I initially reached out to Oportun because of their public claims that they help individuals who are looking to establish or improve their credit through responsible lending practices. Their advertising and mission statement emphasize helping people who may have limited credit history or are trying to rebuild their credit profile.

However, when I applied, my experience was completely the opposite of what was promised. I was denied almost immediately without being given a fair chance to demonstrate my financial situation, income stability, or repayment ability. It felt as though the decision was automated and made without a real review of my individual circumstances. No one from Oportun reached out to verify any information or to ask for supporting documentation that could have strengthened my application.

This experience was not only frustrating but also discouraging, because I was specifically seeking to use Oportuns services as a way to build my credit responsibly. The companys entire model is supposed to focus on inclusion and opportunity, yet I was excluded without even being given the opportunity to prove my eligibility. This raises serious concerns about how Oportun screens or pre-qualifies applicants, and whether their processes are consistent with fair lending standards. 



Why this is concerning Oportuns actions appear to contradict their publicly stated mission of helping underrepresented consumers gain access to credit. I am aware that Oportun markets itself as a community-focused lender that helps people with little or no credit history start building their financial reputation. When a company with that stated purpose denies someone without any explanation or opportunity for reconsideration, it calls into question whether they are acting in good faith or potentially discriminating based on automated or algorithmic data that doesnt fully reflect a persons real creditworthiness. 

In addition, the lack of transparency around the denial was troubling. I was not provided with any clear breakdown of the specific factors that caused the rejection. There was no guidance or communication explaining how I could improve my eligibility or whether I could reapply in the future. For a company that claims to promote financial inclusion and education, this lack of support and communication is unacceptable.

Company response to consumer: Closed with explanation