vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
I am wanting to have these accounts removed from my credit report. I didnt authorize them. 

XXXXXXXX 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 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 2025-12-18 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: CA

Complaint narrative:
The way my record appears now isnt accurate. Please look into it and adjust it so its correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: PA

Complaint narrative:
I received a notice from the company that I owed a debt to XXXX XXXX, which I already paid XXXX XXXX. I filed a complaint with you guys against them and they haven't answered for over a month. They will not take a call, they hang up on me and they can't be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : URGENT Possible Unauthorized Access, Immediate Account Closure Requested, Release of Funds by Mail Bank : Bank of America Account Type : Business Advantage Fundamentals ending in XXXX Consumer Information : Name : XXXX XXXX XXXX Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Complaint Details : I am submitting this complaint as an urgent escalation regarding my business checking account. Due to ongoing restrictions and lack of clear communication from Bank of America, I am now concerned that there may have been unauthorized access or activity on my account. At this point, I am unable to obtain clear information or meaningful assistance regarding the status of my funds. 

I contacted Bank of America only to check the status of my account and an incoming client deposit. The transaction with my client was conducted in person and over the phone with the client, not with the bank. After the deposit posted, I attempted to wire {$45000.00} to myself for legitimate business purposes related to fulfilling a marketing contract. 

Following this, my account was restricted and placed on a reported XXXX probation based on an assumption of potential fraudulent activity. I have not been provided with any evidence, timeline, or resolution, and I am now unable to access or properly return funds. This situation places me at serious risk of breaching fiduciary and contractual obligations. 

Given the uncertainty around account access and the inability to obtain clear answers, I am requesting immediate closure of the account. 



Resolution Requested ( Immediate Action Requested ) : 1. Close the account immediately, effective today.

2. Mail a check for the remaining balance to the following address on file request : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. Confirm in writing that the account has been closed and that no further transactions or activity can occur. 

I am requesting closure and release of funds as a protective measure due to the possibility of unauthorized access and the banks inability to provide clarity or resolution in a reasonable timeframe. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT 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

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 2025-12-18 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My account was accessed through XXXX XXXX on multiple cards without my permission or knowledge. I have tried to resolve this issue its been a nightmare. Additionally my information was accessed through the dark web and as of XX/XX/year> I got confirmation my stuff was accessed including my social security number, bank accounts and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
Hello I am a victim of a fraud attempt on my credit cards. Please find the merchant transaction named XXXXXXXX XXXX XXXX XXXX XXXX I do not know which card this happened on however, I know i was targeted by this merchant who successfully stole my bank account and credit card information. 

Please open the fraud case.

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 2025-12-18 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: CA

Complaint narrative:
I REQUEST CORRECTION OF THIS ERRONEOUS LATE PAYMENT.

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 2025-12-18 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: MD

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I paid XXXX XXXX to tow my car XXXX XXXX XXXX to have my car fixed. Prior to me paying for the tow, I let the guy know not to share where my car was going with management from XXXX  because theyre stopping my car from being worked on. I was followed from XXXX XXXX XXXXXXXX to XXXX XXXX bank. I couldnt drive my car far because its still smoking. There was a car sitting there while I was waiting on the tow. Once the tow driver arrived, the car pulled off. I even informed the driver on what was going on. I called quick tow on XX/XX/year> letting them know that I was aware that they shared information on where my car was being towed. The guy that I spoke with sounded just like the guy that I spoke with multiple times earlier on XX/XX/year>. He claimed hes just a dispatcher and I have to speak with someone from another shift. I told the guy I was going to dispute the charge with Chase. The guy reached out to XXXX  letting them know that I was aware of whats going on. Chase claims department was going to dispute the charge, put me on hold came back saying that I needed to speak with the merchant. I told them that I spoke with the merchant. One of the agents said she filed a claim but they wouldnt be able to move forward with the claim. Which doesnt make any sense because private information was shared after I asked the company not to share information. Although I shouldnt have to tell them not to share private information, this is something that they should know. My car is being dropped off at the shops, but since the towing companies are sharing information with XXXX, XXXX  is preventing my car from being worked on. Chase was also and still is sharing private information with XXXX. Every complaint that Ive filed with you all involves XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information on my credit report, as I believe it to be inaccurate and incomplete. Below are the details of the accounts I am disputing, separated by each credit bureau : CHARGED OFF 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 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the information on my credit report, as I believe it to be inaccurate and incomplete. Below are the details of the accounts I am disputing, separated by each credit bureau : CHARGED OFF 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 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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
on XXXX XXXX the settlement company wired {$600000.00} which represented the full payoff amount including per diem interest directly to Newrez. Newrez acknowledge receiving these funds on the date. instead of applying the funds, notifying me or my closing attorney of any alleged shortfall, Newrez held the entire {$600000.00} for approximately 11 days until XXXX XXXX, an then they returned the wire. During those 11 days Newrez continue to accrue interest on my full loan, Newrez assessed late charges, I was required to pay interest to two mortgages companies a the same time, I receive no notice that my payoff was allegedly " short '' until after late fees and interest had already accrued. Newrez later claimed that payoff was insufficient due to an escrow shortage created by Newrez own tax disbursement made on XXXX XXXX, the same day they received the payoff wire. This escrow activity was entirely outside of my control. Despite this, Newrez did not promptly notify me or my closing agent, did not apply partial funds, did not return the funds immediately, did not act to prevent avoidable financial harm. Newrez admitted in writing that they retained the payoff funds for 11 days before returning them, yet claims no servicing error occurred and refused to return interest or late charges. I believe this conduct constitute unreasonable mortgage servicing, a failure to timely handle payoff funds, and a failure to prevent avoidable fees and interest, in violation of federal servicing standards. As result I suffered interest charged while Newrez held my full payoff funds, late fees assessed, double interest payment to two lenders ( Newrez and XXXX ), significant financial stress and administrative burden.

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 2025-12-18 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:
Can you check this entry? It seems late and possibly mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I disputed a specific XXXX XXXX XXXX account on my TransUnion credit report that was closed on XX/XX/year>, yet continued to be reported with ongoing monthly non-payment and derogatory status updates after closure. 

The account reflects a {$0.00} balance and {$0.00} past due, making continued reporting of delinquency inaccurate. 

After multiple disputes, TransUnion responded but failed to address this issue. Instead, their response discussed unrelated and undisputed accounts and did not explain or correct why a closed account with no balance continued to be reported as delinquent. 

This does not constitute a reasonable investigation and leaves inaccurate information on my credit report in violation 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 non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Yes i can't have access to my account because they have restrictions on it, because I thought I had a legitimate job and when I deposited the check they gave me the bank put restrictions on my account and I found out it was a scam and I told them everything about the employment website where I got the job and offered to give them all the emails and information that I have from the job. Which the job was suppose to be with XXXX XXXX. I feel that it wasn't my fault and that I should be punished for something that I got scammed for. And also they continue to get my account balances wrong. They dont match up with what my account was saying online. And when I call and tell them they just continue to tell me something else when im looking at my account online while im on the phone with them. Some of my deposits dont get posted for 2 days and them my balance says one thing after I deposit cash into my account at the atm, and my online account will show a different balance. Im very upset with the bank. Cause I've gave them all the information. If I could I would change banks but because my car is financed through them that's why I stay. Because of the restrictions I can't even get my skip a pay payment on my car. They make things very difficult for a member. I never gave out any of my information so I dont know why my account has to be restricted till over a month or two. These rules need to be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
The current report doesnt give a clear or accurate picture of my financial habits. Id appreciate a review and any fixes needed.

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 2025-12-18 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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