vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX CO on XX/XX/XXXX with a balance of {$1500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-10-01 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: GA

Complaint narrative:
In accordance with the fair reporting the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian and noticed some things are incomplete and not accurate. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/year>, a fraudulent check was deposited into my Bank of America checking account. I did not create this check, and I did not personally endorse it. The check bears my name, but the endorsement signature on the back is not mine. It was written by someone else without my authorization. If compared with my genuine check endorsements on file, it would be clear that the signature is forged. 

When I discovered this fraudulent deposit, I immediately contacted Bank of Americas fraud department by phone to report the issue and requested that the account be closed to prevent further misuse. Bank of America confirmed the account would be closed, but the fraudulent check and resulting negative balance remain tied to my account history.

Since then, I have taken additional steps to resolve the matter, including multiple calls and emails to Bank of Americas fraud department to dispute the activity. Despite these efforts, the issue has not been corrected. I continued to see a negative balance of approximately {$9000.00} on my account. 

Recently, Bank of America seized {$10000.00} from my mothers separate locked savings account and applied it toward this negative balance. My mother had no involvement in this activity. She did not authorize or participate in the deposit or withdrawal of the fraudulent check. 

I am requesting the following resolutions : XXXX. An immediate return of the {$10000.00} seized from my mothers savings account. 
XXXX. Transfer of liability for the {$9000.00} balance solely into my name ( not my mothers ). 
XXXX. A hardship repayment plan so I can resolve this debt responsibly over time.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions. 

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me. 

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-01 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: FL

Complaint narrative:
You must delete the disputed accounts in compliance with 15 U.S. Code 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Texan Financial Services Inc
State: TX

Complaint narrative:
Told them I can pay lil bit anytime I got the money they said no u got ta pay all at once I said I can't afford that I'm on XXXX then I was gon na take a job at a prison they said we still gon na call you twice a day 6 days a week I said XX/XX/XXXX I'll pay it off they said we can't take that u got ta pay now I said I don't have the money right now I'll bring u XXXX or XXXX n they won't accept that they insisted on full payment only so they turned it over to collections a week ago but they are still calling demanding money n they add XXXX bucks a month interest XXXX is the manager at XXXX XX/XX/XXXXin XXXX XXXX TX they keep harassing me n I'm sick of it they won't take a partial payment till I get it caught up .they want full payment that's currently behind of XXXX dollars is what they are saying but each time they call it's a different price collector said it's a smaller price owed .n they keep pressuring on you to get more Everytime u make a payment is why it got up to over XXXX it would originally be payed off in XXXX of this year was originally a XXXX dollar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
The review inaccurately reflects my financial principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commetity capital bank ( XXXX credit card ) has been charging me multiple times after I requested to close my account. Every time I try to access my account, I can't log in to make payments due to them not sending me the physical card with information to log in. I called them several times to get this log in information, however they never send it and I end up making payments over the phone with additional fees. I called several times trying to close out my account and they never do. They have severely impacted my XXXX XXXX and I don't know what to do. XXXX an enlisted person in the United States military and I'm risking clearance with this bank impacting my debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a customer of XXXX XXXX XXXX. This company went bankrupt and my services were not complete. The companyt had a XXXX XXXX XXXX meaning you could request additonal aligners if the issue with your smile was not corrected to your satisfaction. I was in the process of a XXXXXXXX XXXX set of aligners when the company went bankrupt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX asked for pictures and they were processing new aligners when they went bankrupt. A company named XXXX XXXX XXXX started drafting an account for payments that were not authorized and my bank was able to reverese these even though they did it several times. I know have a company called XXXX XXXX  on my Experian and Equifax credit reports. I called them today and spoke with someone who said they even believed these were not valid debts but XXXX XXXX is pressing the collections based on the signed installment agreement, even though they know that these services have not been provided to the consumer. I even offered to pay half of the balance if they would remove the item from my credit but was told no. The balance is {$1400.00}. I want this item removed from both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Creditor has not provided me with a 1099C for my account that was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: MO

Complaint narrative:
They called me from the number XXXX, which appeared like it may be spam. They immediately started asking me for personal information, which I have been taught not to give. When I expressed confusion and asked for more information regarding the bill, the woman on the line got frustrated and said I can google their company. That doesn't help me confirm if the person I am speaking to is from the same company, and when I googled the phone number, nothing came up. I am still unsure if this is real or a scam, but she was quite rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Remove Iate payments as XXXX XXXX military and also remove identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Remove Iate payments as XXXX XXXX military and also remove identity theft

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase has repeatedly mishandled the establishment and management of a VA-required custodian account for my father, a VA XXXX XXXX resident with XXXX XXXXXXXX. Despite my existing Power of Attorney on his Chase accounts, the bank has lost or mishandled the same fiduciary documents multiple times, delayed account opening beyond the required deadlines, and then frozen the account without notice. This has blocked access to funds needed for essential care, rent, and bills, and placed my VA fiduciary compliance in jeopardy. 

Key XXXX  Repeated document mishandling : Required fiduciary paperwork had to be submitted at least XXXX times at the XXXX, NC, branch, and once again in XXXX. 

Unreasonable delays : The account was not successfully opened until XX/XX/XXXX, XXXX XXXX weeks after the first attempt. 

Account freeze without notice : On XX/XX/year>, the account was frozen without explanation, leaving funds inaccessible. 

Severe impact on dependent care : Funds are required for my fathers VA care attendant, my parents rent, and household bills. 

Failure to resolve despite multiple attempts : I have made XXXX in-person branch visits and numerous calls. In contrast, branch staff ( particularly the XXXX branch manager in XXXX ) have been helpful ; Chases broader system has failed to provide a resolution. 

XXXXTimeline of EventsXXXX XXXX of XX/XX/year> : Appointed fiduciary by VA ; required to open custodian account within 30 days. 

XX/XX/year> : Began process at XXXX, NC branch ; documents submitted. 

XX/XX/year> : XXXX to XXXX ; documents scanned again by another bank representative XX/XX/year> : The bank representative requested that the documents be resubmitted due to a scanning issue. 

XX/XX/year> : Called bank representative for status ; call not returned. 

XX/XX/year> : Returned to XXXX ; documents scanned a fourth time by the initial bank representative who assisted on XX/XX/XXXX. 

XX/XX/year> : Informed approval granted, but the account must be opened in XXXX due to my relocation for school. 

XX/XX/year> : Account opened at the XXXX branch with the bank XXXX. 

XX/XX/year> : Returned to the XXXX branch; met with the branch XXXX regarding VA XXXX. 

XX/XX/year> : Account frozen without notice. The bank manager informed me that the documents needed to be uploaded again. 

XX/XX/year> : Returned to XXXX ; issue unresolved. 

XX/XX/year> : Returned ; issue still unresolved despite the bank managers assistance. 

XXXX XXXX hardship : Funds for VA attendant care, rent, and bills remain inaccessible. 

Regulatory risk : My VA fiduciary compliance is jeopardized by Chases errors. 

Excessive burden : At least XXXX document submissions, XXXX in-person visits, and multiple calls have been required. 

Stress and disruption : My family has endured severe hardship due to Chases incompetence and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: McKenzie Management LLC
State: TX

Complaint narrative:
Reasoning for my account being closed and they said its confidential. I asked would i be able to get my money on the card due to I need it for medications. They said i would have to wait for 90 days when they will do an automatic review. 

I have about {$100.00} on the card and they said I would have to wait. Now if something would To happen cause i cant get my medications then it would be a problem.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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