vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 four 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 Date : XX/XX/XXXX XXXX TRUC Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 2025-09-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I asked for the escrow to be removed because the reps from Chase did not inform me how it applied to the loan, both told me I could opt out at any time. 
Chase told me that 4 months of my homeowners was being applied to my homeowners policy which never happened, I am attaching a letter from XXXX to this effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am reporting these accounts, that were NOT opened and neither authorized by me. This is going me insane ; I am very worried about and do not know what else to do. Is cumbersome to keep myself in this terrible process, is exhausting to have to ask in different ways about my results and nothing happen, every day is the same, without response, without solutions. I need your help, because this is affecting my peace, my normal life and also my future. Ive been in this process for a lengthy and awful time and theres no any positive solution, Im tired of this. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
First National Bank of Omaha failed to comply with federal law in handling my securities deposits and trust account instructions. 

Under the Federal Reserve Act Title Four Section 401 member banks act only as intermediaries for the Federal Reserve which is the true creditor. Section 518 requires that all Federal Reserve Notes must be backed by equal value collateral such as notes bills of exchange or other obligations. I provided a Bill of Exchange in the amount of XXXX XXXX XXXX as collateral along with my trust certificate. FNBO was obligated to process this deposit through Federal Reserve channels and ensure proper credit to my account. Instead FNBO failed to credit my account or provide lawful accounting. 

The XXXX XXXX XXXX also applies. Section XXXX XXXX requires a securities intermediary to act on entitlement orders of the entitlement holder. Section 8 507 allows the entitlement holder to compel compliance if ignored. Section 9 207 requires that collateral instructions must be followed. As entitlement holder and trust beneficiary I gave clear written instructions by email to have my FNBO account retitled in the name of my Living Trust. FNBO failed to honor these instructions.

Title 15 of United States Code provides consumer protections that were violated. The Truth in Lending Act requires disclosure of creditor identity. The Fair Debt Collection Practices Act prohibits misrepresentation of creditor status. The Federal Trade Commission Act prohibits unfair and deceptive practices. FNBO has violated these by misrepresenting itself as creditor and failing to disclose the Federal Reserve role while also refusing to provide proper trust accounting.

I have been patient and in honor at all times. I submitted all documents by email and requested written acknowledgment. Instead I received only phone calls at inconvenient times from an agent identifying as XXXX with no lawful resolution. FNBOs failure to credit my deposits and to comply with law has caused measurable harm financial injury and duress.

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 2025-09-15 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NM

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 

I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 

Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with TRANSUNION, the following fraudulent accounts remain on my credit report : XXXX XXXX XXXX XXXX  XXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 

I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet TRANSUNION continues to report them as mine without proper validation. 

I respectfully urge the CFPB to intervene and ensure that TRANSUNION complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmationofsuchaction.

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 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I have been requesting updates from Target Card Services regarding my dispute case since the beginning of XXXX. Every time I call, I am given the runaround and told it takes three months for them to file the dispute. This has caused me unnecessary stress, pain, and significant damage to my credit score. 

I have explained this situation to several associates, and all they have advised me to do is make payments so that the account does not go delinquent. I have been making small payments here and there, but the payments I made with my debit card have not been going through. I raised this issue with the associates as well, but they have not been helpful and continue to give me the runaround, while my credit continues to suffer. 

Because of this, I decided to write a cashiers check for the disputed amount of {$290.00}. I mailed this cashiers check on XX/XX/XXXX, and I was told it would take 7 to 10 business days to process. However, we are well past that timeframe. When I call to check on the status, I am repeatedly told that they have not received the check and that no payment has been applied to my account. 

At this point, all I am asking for is a resolution. Either they should cash my cashiers check for the amount due or provide me with a resolution to my dispute case. This ongoing situation has caused me unnecessary stress, and I strongly believe that Target, as a business, should not be treating its customers this way. 

I simply want this matter resolved, which is why I am reaching out to you. I truly hope this will make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-15 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: GA

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-15 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
I am a teacher with over 10 years of service in high-need classrooms and have been attempting to access Public Service Loan Forgiveness ( PSLF ) through my loan servicer, MOHELA. Despite meeting the PSLF eligibility requirements, my loans have not been properly credited : I am stuck at XXXX qualifying payments, and two of my loans are miscounted at XXXX and XXXX payments, even though I submitted documentation and requested recertification multiple times. 

Since XXXX, I have submitted complaints to MOHELA and have repeatedly called for updates. Each time I am told the issue is in process with no timeline, explanation, or resolution. I literally can not enroll in an Income-Based Repayment ( IBR ) plan because of MOHELAs convoluted processes, inconsistent instructions, and repeated delays. As a result, I have remained in administrative forbearance for months, despite being fully qualified for PSLF. 

I spend multiple hours each week contacting MOHELA and attempting to resolve the issue while continuing full-time teaching duties. This has created significant stress, wasted time, and financial uncertainty. All prior complaints, including those submitted to MOHELA and the FSA Ombudsman, have failed to result in resolution or meaningful communication. 

I am seeking assistance to : Correct the miscounted payments and ensure all qualifying payments are properly credited. 

Facilitate recertification of the two loans showing XXXX and XXXX payments. 

Allow enrollment in an IBR plan and ensure consistent, accurate guidance from MOHELA moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following 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 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
leaving placards on my door -- violating my specific request that all communications must be traceable electronic form. 

refusal to comply with my clearly stated preference that all communication must be via electronic ( email/secured portal ). 

I can see and respond to electronic communications within 24hrs All other forms results in unneeded delays, resulting in issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/year>, and it was successfully discharged. I already had a checking account with Navy Federal at the time. Navy Federal told me that once I received my discharge, I should call back so they could remove the bankruptcy alerts from my account. 

On Saturday, a Navy Federal representative reviewed my account and confirmed there were no issues. I was told all I needed to do was call back on Monday, and the alerts would be removed. When I called back on Monday as instructed, I was told the exact opposite that the alerts could not be removed at all. 

This is discriminatory and feels like punishment for filing bankruptcy, even though I have followed the law and successfully completed the process. I am being denied the ability to fully use my account or open a new one simply because I exercised my legal right to bankruptcy protection. Navy Federal has not provided me with any written policy that explains why these alerts remain after discharge, nor why I am being treated differently than other members in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts appearing on my TransUnion credit report, which are the result of identity theft. I never authorized the use of my personal information for any of these accounts, nor did I provide consent to open them. These accounts were created without my knowledge or permission, and I have filed an FTC Identity Theft Report to document this crime. I also submitted supporting documents including my government-issued ID and proof of address. 

The following accounts are fraudulent and unauthorized : XXXX XXXX ( Account ending in XXXX ) This account is reported as charged off with a balance of {$2700.00}. Although the date of first delinquency was in XXXX, the furnisher updated the tradeline in XX/XX/XXXX despite no legitimate activity. This appears to be an unlawful attempt to re-age the account, in direct violation of FCRA 605 ( a ) and 623 ( a ) ( 5 ). 

XXXX XXXX  ( Account ending in XXXX ) This account is also reported as charged off with a {$120.00} balance and a XXXX  in XXXX, but it continues to update as of XXXX. This is another impermissible instance of re-aging under the FCRA. 

XXXX XXXX ( Collection account ending in XXXX ) I have never initiated service with XXXX, signed any agreement, or authorized the use of my identity. As required by FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), no valid documentation has been provided to verify this account, and therefore it must be removed. 

Despite sending certified disputes along with my FTC report and ID, these accounts remain on my credit file. Their continued furnishing violates FCRA 605B ( a ) ( 1 ), 611, and 1681 ( a ) ( 4 ), and represents an ongoing breach of my privacy and rights as a consumer.

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