vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Urgent Demand for Credit Information Rectification - Potential Legal Consequences for Violation of 15 U.S. Code 1666b and Other FCRA Regulations I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report as outlined in my previous letters dated XXXX. Despite my repeated requests and the provision of ample documentation, the incorrectly reported late payments on myXXXX XXXXXXXX XXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.remain unaddressed. 



As previously warned, in accordance with the draconian 15 U.S. Code 1666b, creditors are obligated to dispatch periodic statements, containing all details mandated by section 1637 ( b ), a minimum of 21 days prior to the looming payment deadline. Furthermore, the despotic Fair Credit Reporting Act ( FCRA ), particularly sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, decrees that credit reporting agencies and information providers rectify any erroneous or insufficient details in credit reports and guarantee the utmost accuracy of information within consumer files. 



Moreover, I delved into the Protection Against Non-Payment of Obligations Act ( PAANL ), highlighting the imperative nature of creditors to meticulously adhere to punctual dispatch of statements to prevent inequitable repercussions on consumers. 



I am gravely displeased with the persistent disregard for these regulations, leading to the unfair portrayal of tardy payments on my credit report, detrimentally impacting my credit score and causing considerable anguish. This egregious behavior flagrantly infringes upon my rights as stipulated by the FCRA. 



I am extremely displeased with the presence of this erroneous data and demand immediate correction within a span of 10 days from the date of this notification. The following is a breakdown of the payments that have been impacted : Date of the dreaded late payment : XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MO

Complaint narrative:
I worked for XXXX for 37 years. I XXXX 4 years ago and normally receive a pension check on the first of each month. XXXX contracts with XXXX XXXX to disperse pension checks. We received a letter on XX/XX/XXXX saying our bank information had changed on XX/XX/XXXX, which we knew nothing about this. This letter delivered by the XXXX was the only notification we received. They didnt call us, didnt text or email us, just a letter sent through XXXX. We called XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and informed them that the bank account information was incorrect and they were about to send the electronic funds transfer to the wrong bank. XXXX XXXX contacted XXXX ( XXXX XXXX ) on a recorded line with me on the phone and neither company would contact the fraudulent bank to request a hold on the funds and return it. XXXX XXXX said they need a Reclaim Request from XXXX before they can do anything. The XXXX Supervisor said they haven't dealt with a problem like this and she didnt have procedures for what to do. Even though XXXX didn't submit a Reclaim Request, XXXX XXXX requested the fraudulent bank to return the EFT ( electronic funds transfer ) on Friday XXXX, five days after notifying them and XXXX. XXXX said the first request to reclaim the funds was refused and they were sending a second request to the bank. XXXX XXXX has had several major Data Breaches in XXXX and XXXX, however they still have not taken responsibility. I have spent countless hours on the phone with them and XXXX and still have no payment and have no " next steps ''. My house payment and car payment are past due and really need help! 

In the process of me contacting XXXX XXXX, they changed my bank information back to my account on XX/XX/XXXX. The only notification I received was a late letter on XX/XX/XXXX confirming my account information changed. The only notification I receive from them is a letter sent through the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
In late XX/XX/year>, I enrolled at XXXX XXXX ( formerly known as XXXX XXXX ) in XXXX, Texas, to pursue an XXXX XXXX Unfortunately, on XX/XX/year>, XXXX XXXX abruptly closed all of its campuses nationwide, including the XXXX location, due to financial difficulties, loss of accreditation, and changes in Department of Education requirements. 

Although it was stated that an official notification was sent via email, I never received any correspondence regarding the closure. Since then, I have made multiple attempts to contact MOHELA to resolve the issue, but have not received any resolution. 

I am currently still repaying this student loan, despite the fact that I was unable to complete the program, earn any credits, or receive a degree or certificate. The continued existence of this loan on my record is negatively impacting my credit score, and I feel trapped in a situation that I believe to be unjust and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-14 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
I am submitting this complaint regarding the mismanagement of my federal student loans by AidVantage ( on behalf of the U.S. Department of Education ) and my unresolved requests for loan forgiveness or cancellation due to ongoing financial hardship. 

Since experiencing a significant reduction in income, I have repeatedly sought relief through repayment assistance, deferment, and forgiveness programs. I requested information about eligibility for loan discharge, including hardship-based cancellation and income-driven repayment plans, but I either received no response or was provided incomplete and unclear guidance. As a result, my loan balance continued to grow, adding to my financial and emotional distress.

I also have concerns about potential FERPA violations and the mishandling of borrower data. I suspect that my student loan information may have been improperly accessed or used by third parties, including companies affiliated with XXXX XXXX, such as XXXX ( formerly XXXX ). This raises serious privacy concerns and undermines the legal protections I am entitled to under the Family Educational Rights and Privacy Act.

I am requesting a full investigation into how my loans were managed, whether proper relief options were offered, and whether my personal information was shared without consent. I am also asking for assistance in obtaining full cancellation or discharge of this debt due to hardship and mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank closed my XXXX card account with notice based on false information of a delinquent account on my credit report.

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 2025-04-14 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: PA

Complaint narrative:
I am writing to raise serious concerns about several inaccuracies I have discovered in my credit report. Upon careful review, I identified numerous issues, including incorrect account listings, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I urgently request your support in addressing them.

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 2025-04-14 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: PA

Complaint narrative:
I am writing to raise serious concerns about several inaccuracies I have discovered in my credit report. Upon careful review, I identified numerous issues, including incorrect account listings, unauthorized inquiries, inconsistent billing details, and accounts that do not belong to me. These errors are negatively affecting my financial well-being, and I urgently request your support in addressing them.

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 2025-04-14 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 am formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX of this year, I attempted to switch banks by depositing a cashier 's check for {$4700.00} in the XXXX XXXX  branch of the PNC Bank. By XX/XX/year>, my balance, according to my accounting, was {$4100.00}. I made an online charge on that date of {$240.00}. And a week later, I received a notice from that bank that my account was overdrawn by that same full amount, indicating that I had no funds left in that account. Needless to say, I was dumbfounded and called that branch of the bank and asked to speak to the Manager. I don't know if the man they connected me to was the manager or not ; he sounded very young. I thought he would be alarmed by my story, but he was not at all, and just went on for some time in a cheery tone of voice and assured me that my account was in perfect order and I should not worry. The very next day, I received another form from that bank that my account was overdrawn by {$3.00}! Clearly, someone had emptied that account! That is all the money I have in the world, and my sole source of income is Social Security, which as you know is now in danger from this administration. I plan to go to the bank and ask for a printout of that account from XX/XX/XXXX to the present, but thought I would report it to you first, since they may simply refuse to provide one to me. I am female and XXXX, not that formidable a problem as they might see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 am formally disputing the following negative items on my credit report : XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: OH

Complaint narrative:
ED Financial/XXXX  appeared on my credit report and I do not have any association with this company what so ever. I have never signed up or any services or anything with this company. I would like for them to remove any mentions off my credit report, discharge and close account that has been created without my permission as this is a violation of my rights and invading my privacy of information. I consider this account with them as fraud. This account is tarnishing my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-14 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: MD

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: WA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-14 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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