vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email from Chase stating that my checking account ending in XXXX was restricted due to alleged suspicious activity and might be closed soon. 

I immediately attempted to contact the bank but did not receive a clear explanation or specific information about what activity was considered suspicious. The account contains approximately {$8600.00}, and I have not engaged in any fraudulent or unauthorized transactions. 

I am requesting that the CFPB investigate this matter and help ensure that Chase provides a transparent explanation and releases my funds promptly. I am prepared to provide copies of the email notice and any additional documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: KY

Complaint narrative:
On XX/XX/year> at XXXX XXXX  EST, I received a phone call from someone claiming to work for Shepards Outsourcing using the phone number ( XXXX ) XXXX. I told them I was unaware of any debts that I have in my name and to no longer call me by phone and only contact me by mail. I once again received a phone call from someone claiming to work for Shepherds Outsourcing on XX/XX/year> at XXXX XXXX  EST but this time from the phone number ( XXXX ) XXXX XXXX. I once again informed them to stop calling me and to only contact me by mail. On XX/XX/year> I received another phone call from someone claiming to work for Shepherds Outsourcing with another phone number, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My funds are being held hostage by bank of america. A direct deposit was submitted on XX/XX/year>. I can't access my funds on XX/XX/year>. According to the bank, they were in the process of closing my account.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-10 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: PA

Complaint narrative:
Even though the balance is cleared, late payment marks remain on the 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 2025-10-09 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: CA

Complaint narrative:
XXXX XXXX falsely reported a repossession on my credit report ( Account XXXX. XXXX ). I never opened, authorized, or had any relationship with this account. This is a clear case of identity theft and/or a reporting error. 
I have submitted a formal written demand to the credit bureaus ( Equifax, Experian, and TransUnion ) requesting the immediate and permanent deletion of this fraudulent entry under 15 U.S.C. 1681c-2, which requires removal of identity theft information within four ( 4 ) business days.

Despite providing a valid FTC Identity Theft Report, government-issued ID, proof of Social Security number, and proof of current address, the bureaus, particularly Equifax, have failed to properly investigate and delete the false information. This failure constitutes willful noncompliance under 15 U.S.C. 1681n, making them liable for statutory damages of at least {$1000.00} per violation, plus any actual damages.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Since XX/XX/year> through XX/XX/year>, Wells Fargo charged me approximately {$840.00} in overdraft fees on my checking account. The fees often stacked on the same day after small ( ~ {$10.00} ) debit or ACH transactions posted while deposits were pending, which pushed the account further negative and triggered additional fees. 

What I did I contacted Wells Fargo multiple times in XXXX and XX/XX/year>XXXX  to request refunds and to ask that transactions that would overdraw my account be declined instead. 
I asked to disable any overdraft service to avoid future fees. 

What the bank said Representatives told me they may still charge fees if my balance can not cover a transaction.

They refused to refund the recent fees ( {$580.00} in the last 2 months ), saying I had already received two courtesy refunds this year and they would not assist further. 

Why this is a problem The posting order and timing of holds allowed multiple fees to accrue quickly, creating a negative balance that produced even more fees. 
I am experiencing financial hardship. I have tried to stop overdrafts and asked the bank to decline transactions, but the fees continue.

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 2025-10-10 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of dispute particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numbers of time and reporting discrepancies my financial Institute and Zelle fail to investigate my claims they informed me that recover and lost funds is impossible and that tracking the transactions was infeasible the CFPB find indicate that Zelle has not only neglected to protect consumers but has allowed repeated offenders to exploit the system leaving users this vulnerable to scams this, lack of accountability and transparency is unacceptable and erase serious concerns about consumer safety

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

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Account number XXXX To : Columbia Debt Recovery XXXX, XXXX XXXXXXXX Subject : Cease and Desist / Request for Immediate Deletion from Credit Report Dear Columbia Debt Recovery, This letter serves as formal notice that I am requesting your company to cease all communication with me regarding any alleged debt in my name and to immediately remove any and all related accounts or entries from my credit reports with XXXX, XXXX, and XXXX. 
Pursuant to 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby notified that you must cease further contact with me except to confirm that you will comply with this request or to notify me of any specific legal action you intend to take. 
If the alleged debt can not be fully validated in accordance with the FDCPA, it must not appear on or be reported to any credit reporting agency. The continued reporting of unverified or inaccurate information is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
You are required to provide written confirmation of compliance with this request within 24 to 48 hours of receipt of this letter. Failure to do so will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney generals office, as well as considering all other remedies available to me under federal and state law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am writing to formally express my deep dissatisfaction with the handling of a recent issue involving a payment hold placed on my account and the subsequent lack of resolution following an escalate call back from, XXXX. 



Two days ago, I submitted a payment in the amount to pay of my gap card, which Barclays decided to place on hold without valid justification. When I contacted customer service for clarification, XXXX informed me that the payment was being held out of concern that the check might be returned. I found this explanation unacceptable, especially considering my long-standing payment history and the fact that I have never had a returned or delinquent payment with Barclays. 



To further verify the validity of my payment, XXXX contacted my bank directly. My bank confirmed that the funds were available and would be transmitted that same day. Despite this verification, XXXX still refused to release the hold. When I pressed for a valid risk assessment or policy-based reasoning, she was unable to provide one. 



This interaction was handled in an unprofessional and negligent manner. XXXX failed to properly research or execute a resolution, even after confirmation from my bank that the funds were legitimate and available. The result is a completely unnecessary disruption to my account and potentially, my credit utilization ratio and reporting. 



If this hold impacts my credit report or utilization rate in any way, I will consider this not only a gross mishandling of my account but also a serious breach of trust and financial responsibility on Barclays part. I intend to escalate this matter as far as necessary to ensure accountability. 



I am requesting an immediate release of the payment hold and written confirmation that my credit reporting will reflect the accurate and current balance. Additionally, I expect an explanation of the procedures followed and why this decision was made despite verified available funds. I do not want any bet call from XXXX. Someone who knows how to properly investigate risk and resolutions should have handled this complaint.

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 2025-10-09 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-09 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within XXXX  days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since XXXX business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

Company response to consumer: Closed with non-monetary relief