vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a negative report from regions bank on my credit over seven years old that the credit bureaus will not take off, and Ive disputed it several times. They wont even let me dispute it anymore

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
I sent a dispute letter the account was removed on XX/XX/year> then reinserted with a new account number. I honestly think that someone who works there is trying to ruin my credit because it doesnt make sense everytime its removed its reinserted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX filled a dispose oh me in XXXX of XXXX. I have since had my case dismissed XX/XX/year>. On XX/XX/year> I told I owed XXXX and the debt was sold to a collection company being that I have a court dismissal. I am disputing a debt and no one is following up with me. I have since had XXXX XXXX XXXX  remove the debt. XXXX XXXX states they will not remove the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
In early XX/XX/year>, my Home Equity Line of Credit ( HELOC ) with Fifth Third Bank was frozen due to an identity theft alert. I immediately resolved the identity theft issue, removed the fraud alerts and freezes from all three credit bureaus, and my credit score has since fully recovered to above XXXX. 

Despite providing all requested documentation and repeatedly contacting Fifth Third Bank over the past 2.5 months, my HELOC remains frozen and inaccessible. I have been told that the system or computers are preventing the line from being reactivated, and that no one can provide a timeline or explanation for the continued freeze. Supervisors have also been unable to give any status updates or resolution path. 

This ongoing freeze is causing financial harm because I use my HELOC as my primary mortgage-replacement product. I am unable to make principal-lowering transfers or access my available credit, forcing me to keep funds idle in checking instead of reducing my balance. I estimate this has caused unnecessary interest expenses for several months. 

I am requesting CFPB assistance to obtain a clear explanation from Fifth Third Bank and a timely resolution of the HELOC freeze. I would like the bank to either ( 1 ) immediately reinstate normal draw and payment functionality, or ( 2 ) provide a specific reason and timeline for continued restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account with Bank of America was blocked without any prior notice. After the account was closed, the bank sent a cashiers check with my remaining balance to an old address where I no longer live. I immediately notified the bank multiple times that I do not live at that address and can not access the check. 

Despite this, Bank of America refused to cancel or stop payment on the check and told me I must wait 121 days before they can reissue another one. During this time, I have no access to my own funds due to an error that I did not cause. 

The person who currently lives at my old address is refusing to answer calls or messages and is withholding my mail. This creates a risk of mail obstruction, and I informed the bank of this. Bank of America still refused to provide a reasonable solution or reissue the check to my correct address. 

I am requesting that the CFPB assist in resolving this issue. I am asking Bank of America to immediately place a stop payment on the original check and reissue a new check to my current and verified address. The banks refusal to provide access to my funds and their insistence on a 121-day waiting period is an unfair practice and leaves me financially harmed. 

I am providing all my updated address information and can verify my identity. I simply need access to my own funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
Chase Bank Elder Financial Exploitation Fraud Request Purpose of This Request This document formally requests that Chase Bank investigate and reimburse losses caused by elder financial exploitation involving XXXX XXXX, age XXXX, who has documented cognitive impairment. 
Summary of Fraud XXXX was manipulated by a scammer into sending money. She did not understand the transactions and lacked the capacity to provide informed authorization. 
What We Are Requesting 1. Reclassification of all disputed transactions as elder financial exploitation.

2. Reimbursement of unauthorized transfers and improperly paid checks.

3. Application of protective restrictions preventing XXXX from making withdrawals or account changes. 
4. Written confirmation of the investigation and outcome. 
Detailed Visit Log Chase Branch Interactions Visit 1 XXXX XXXX We explained ongoing exploitation and provided the POA. Banker refused to use POA and said we must bring XXXX and XXXX. No protections added. 
Visit 2 XXXX XXXX POA denied again. We brought XXXX and XXXX as instructed. Separate account opened, but no restrictions applied. We were not informed XXXX retained access and she moved money out. 
Visit 3 XXXX Branch POA denied again. Staff claimed it was invalid ( missing initials, not notarized ). Told to bring XXXX back for notarization. No protections added. 
Visit 4 XXXX XXXX Brought XXXX again. Staff refused to notarize original POA. New dual-POA notarized. Brought detailed fraud documentation. Banker refused action and would not provide written denial. Referred to another banker, then to complaint department. Callback received but conversation incomplete. 
Addendum : 2023 Forged & Unendorsed Checks In 2023, multiple checks were written from XXXX account to a scammer. These checks were not written in her handwriting and were not endorsed on the back, yet were still paid by Chase and later stamped 'FORGED. ' This constitutes improper payment and demonstrates prior notice of exploitation.

Request for Protective Restrictions We request that Chase implement safety restrictions preventing XXXX from making withdrawals, account changes, or opening new accounts due to her documented incapacity. POA authority should be recognized for all decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I received a XXXX ( Synchrony ) Walmart credit card in the mail that I didnt open. I called XXXX twice to fix this issue and said that I didnt open this, and it must be a mistake from the Walmart app. They never told me there was outstanding balance. This card was open XX/XX/2025. Each time they said they would handle it, and didnt. I called Sychrony the first week of XX/XX/2025 and this is how I found out. Synchrony said they would handle it, and nothing has happened yet. This card made purchases sent to somewhere in Illinois with a balance over {$5000.00}. I live in West Virginia. This has been devastating because I have been house hunting. My credit score was nearly XXXX, and now has dropped to XXXX. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am disputing an inaccurate XXXXXX/XX/XXXXaccount that is being reported byXX/XX/XXXX, and Equifax. I submitted disputes directly to the credit bureaus and filed a complaint with the CFPB. The CFPB forwarded my complaint to XXXX XXXX, and the furnisher informed the CFPB that it can not respond to the complaint. 

This means the furnisher refused to provide ANY documentation to verify the debt. Because the furnisher refused to respond to a federal regulator, the information being reported on my credit file is unverified. 

The credit bureaus are still reporting this account even though XXXX XXXX did not provide : a lease agreement move-in or move-out documents an itemized final bill an accounting ledger proof of responsibility any supporting documents The continued reporting of an unverified account is harming my credit and interfering with my ability to qualify for a mortgage. This does not meet the FCRA requirement of maximum possible accuracy. 
The furnisher failed to respond and could not verify the account. 
The credit bureaus continue reporting an unverified collection tradeline. 
This violates the FCRAs reinvestigation and accuracy requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
XXXX XXXX was a victim of identity theft I've suppliedXX/XX/XXXX Transuion XXXXXX/XX/XXXXAND XX/XX/XXXXXXXX with proper documentation to remove all adverse actions on my credit report such asXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Those accounts were suppose to be removed within 4 buisness DAYS According to FCRA these companies failed to comply and remove those items from my credit report in which I'm not seeking compensation for {$20000.00} for emotional Stress I will file a legal suit asap if these accounts are not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. 
Please help me get these accounts removed Immediately portfolio recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I reported a fraudulent charge on myXX/XX/XXXX account for {$1600.00}. That was posted on XX/XX/year>. TheXX/XX/XXXX did not investigate this fraudulent charge and did not provide us with an explanation of their findings. Many other fraudulent charges were made on my other Citibank account as well.

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 2025-12-09 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: UT

Complaint narrative:
Under fcra 6 23 a5 experian transunion and equifax are allowing a charge off fromXX/XX/XXXXon my credit report that has been reaged and the date of first deliquency is inccorect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I opened a Zales credit account with a promotional deferred-interest period. At no point did I receive any clear notification that the promotional period was ending. 

As a result, a large deferred interest charge was suddenly added to my account. I contacted customer service, a supervisor, and the Account Specialist department. They all stated the charge could not be removed, even though I never received proper notice and was prepared to pay the balance in full. 

I am disputing the deferred interest because the required notice was not provided. The interest appears to have been added without clear communication, and Comenity representatives have refused to correct it. 

I am requesting that the deferred-interest charge be removed so I can pay off the account and close it in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
I am submitting this follow-up regarding a dispute I filed about Experian, Equifax, and TransUnion because multiple items on my credit report remain inaccurate despite previous submissions and documentation. The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account shows a {$0.00} balance but is reported with incorrect names, including XXXX and XXXX XXXX XXXX XXXX and inaccurate addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXXXXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ; and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX These errors violate the FCRA 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), and I request a full reinvestigation, correction, or deletion of all unverifiable information.

Company response to consumer: Closed with explanation