vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
I disputed a XXXX XXXX account on my Experian credit report. Experian completed its reinvestigation and reported the account as verified, but did not provide any explanation of how the information was verified. 

Experian did not disclose who was contacted, what documentation was reviewed, or how the accuracy of the information was determined. A generic statement that the account was verified does not demonstrate that a reasonable investigation was conducted. 

Because Experian failed to explain the method of verification or provide evidence that the disputed information was properly investigated, I believe Experian did not meet its obligations under the Fair Credit Reporting Act. 

I am requesting that Experian either provide a complete explanation of the verification process used for this account or remove the 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 explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Protas, Spivok & Collins. LLC
State: MD

Complaint narrative:
A notice of cease and desist, as well as certified proof of contract was sent to, Protas, Spivok & Collens , LLC. on XX/XX/year>. However, they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
ON XX/XX/year> AT XXXX I WENT TO MY M & T BANK ON XXXX XXXX XXXX, XXXX NY XXXX XXXX WHICH I HAVE BEEN A VALUE CUTOMER FOR OVER XXXX YEARS TO MAKE A WITHDRAWEL AND SHE STATED I SHOULD OPEN A REGULAR SAVINGS ACCOUNT AND TRANSFER MOST OF MY FUNDS TO THAT ACCOUNT BECAUSE I COULD BE INVOLVED IN A SCAM WITH SO MUCH MONEY IN MY CHECKING ACCOUNT. I THEN SPOKE TO THE ASSISTANT VICE PRESIDENT AND BRANCH MANAGER XXXX XXXX TO OPEN A REGULAR SAVINGS ACCOUNT WITH INTEREST. SHE THEN STATED THAT I WAS PRE-APPROVED FOR A SAVINGS ACCOUNT AND THEN I ASKED IF IT IS GOING TO EFFECT MY CREDIT REPORTS BECAUSE I WORKED HARD FOR SO MANY YEARS TO BOOST MY XXXX SCORES FROM XXXX. SHE THEN STATED NO BECAUSE YOU ARE PRE-APPOVED. SO I TRANSFERED MY FUNDS INTO THE SAVINGS ACCOUNT. I FEW DAYS LATER I RECEIVED A NEW CREDIT CARD FOR MY SAVINGS ACCOUNT AND WHEN I TALK TO THAT PERSON AT XXXX ) XXXX Friday, XX/XX/year>, XXXX XXXX  TO ACTIVATE MY ACCOUNT SHE STATED WHAT WAS MY LINE OF CREDIT. I STATED TO HER WHAT ARE YOU TALKING ABOUT. I DO NOT HAVE A LINE OF CREDIT, IT WAS SUPPOSE TO BE A REGULAR SAVINGS ACCOUNT. I ASKED TO SPEAK WITH A SUPERVISOR AND SHE REFUSE TO DO SO. I THEN TERMINATED THE CALLED BACK AT THE SAME XXXX AND I AGAIN ASKED FOR A SUPERVISOR AND THEN WAS TRANSFERED TO XXXX AND I EXPLAINED THE SITUATION AND THEN SHE DELETED THAT LINE OF CREDIT ACCOUNT AND SHE OPENED MY NEW SAVINGS ACCOUNT ATTACHED TO MY CHECKING ACCOUNT SO ALL I HAD TO DO IS SWITCH TO EITHER XXXX AND I STATED ANOTHER. I THEN FILED A COMPLAINT WITH HER TO RECEIVE COMPENSATION FOR WHAT THE VICE PRESIDENT DID TO ME AND GAVE ME A CLAIME # XXXX. A DAY LATER I THEN CHECKED MY CREDIT REPORTS TO SEE IF THAT VICE PRESIDENT COMMITTED MORE FALSE STATEMENTS, AND SURE ENOUGH I NOW HAVE A HARD INQUIRY ON MY XXXX  CREDIT REPORT ( SEE ATTACH ). I THEN CALLED BACK AT XXXX # XXXX AND TALKED TO ANOTHER SUPERVISOR AND I FILED ANOTHER COMPLAINT AGAINST THE VICE PRESIDENT AGAIN AND THE CLAIM #. XXXX. XXXX STATED TO THEM THAT I HAVE A DISABILTY WITH XXXX  XXXX AND THIS HAS CAUSE ME WITH XXXX  XXXXXXXX XXXX XXXX XXXX. SEE ATTACH.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA Bank has added unnecessary long holds & wait times via deposits & transfers to my checking account. These deposits come through my external banking accounts. However, in the past USAA has placed unnecessary fraud alerts on my account or denied infrequent disputes made against organizations. When Ive transferred funds, not once has the monies never been available, & theres absolutely no signs of fraud. Also, not having funds available immediately didnt occur until I started transferring/sending money ( re : home repairs ) to a business that doesnt have an American name.

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 2025-12-24 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: GA

Complaint narrative:
I have been caretaker for my now passed mother for the last 6 months, meanwhile trying to work full time job in between multiple hospitizations & DR.appts.On XXXX XXXX, I started seeing overdraft fees come up because of some automatic payments, so I promptly went on the app & removed the overdraft protection from my account & unlinked my savings account as the o/d funding option. 
Since XX/XX/XXXX, I have been charged XXXX overdraft fees. What is XXXX XXXX of having the " option '' to remove it, if you are going to just keep doing it anyway?? Customer service was NOT helpful, crediting me for XXXX fees. Thats it. 
I did not ask for this service, yet am being charged almost {$1000.00} for it.

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 2025-12-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Unisa, Inc
State: OH

Complaint narrative:
I am disputing a debt serviced by Unisa Inc. for XXXX XXXX. The school 's XXXX of XXXX XXXX stated in writing that there was 'no activity ' for XXXX and XXXXno loans drawn ' for late XXXX. However, Unisa 's own records show a {$4000.00} disbursement on XX/XX/XXXX and a {$510.00} disbursement on XX/XX/XXXX. I was not enrolled at the college during the XXXX disbursement. The school is attempting to collect a {$4400.00} balance while failing to credit over {$4500.00} in received loan funds to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
These accounts do not belong to me in any form and must be removed within 15 days per USC 1681g.

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 2025-12-24 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: PA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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:
THESE INQUIRIES WERE NOT APPROVED BY ME. I DID NOT GIVE PERMISSION AND WAS NOT AWARE OF THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: Freeway Funding, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Date : XXXX Credit Report Dispute XXXX XXXX XXXX Report Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information appearing on my XXXX credit report pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
After reviewing my credit file, I have identified the following accounts reporting information that is inaccurate, unverifiable, or incomplete : FREEWAY FUNDING INC Account # XXXX Reported as charged off with a balance of {$18000.00} Inaccurate balance and improper ongoing charge-off reporting Incomplete and inconsistent payment history FREEWAY FUNDING INC Account XXXX XXXX Reported as charged off with a balance of {$730.00} Excessive late payments reported without proper verification Inaccurate status and balance information Under FCRA 611 ( a ), I am requesting a full investigation into these accounts. Please provide the method of verification, including the name, address, and telephone number of any furnisher that verified this information. 
If these accounts can not be fully verified with competent evidence, they must be deleted immediately from my credit file as required by law. 

Please complete your investigation within the 30-day timeframe allowed under the FCRA and provide me with updated copies of my credit report reflecting the results. 

Sincerely, 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 2025-12-24 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:
These accounts are not connected to me and must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
These accounts are not mine and should be promptly removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> at approximately XXXX I went INDSIDE citibank to make {$2000.00} deposit using the atm. Upon entering the cash, the atm started making noises. My card was even stuck. It printed out a receipt but it doesnt have the money deposited on it. I asked a worker to come over and check it and she said that the money was stuck and that I will have to call citibank customer service in order to get the money back, which i did the same day. On XX/XX/XXXX I received a letter saying that my claim has been denied because the person that submitted my claim said that it was a check that was deposited when I never told him that. Then I filed another claim stating that it was cash not check and it got denied again. Now they took {$2000.00} from my SAVINGS to replace the provisional credit they gave me. I don't understand how my claim is denied if there is cameras everywhere. In the building, on the Atm. You can clearly see me depositing {$2000.00} into the atm and there is witnesses everywhere. This happened in XXXX XXXX illinois 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 monetary relief
Consumer complaint received 2025-12-24 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:
These accounts are not my liability and must be taken off within 15 days under USC 1681g.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Information Solutions , Inc . 

This letter constitutes a formal dispute and Cease and Desist notice regarding the following account appearing on my Experian credit report : Creditor : XXXX  XXXX Account Type : XXXX  XXXX XXXX  Account Number : XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I dispute the accuracy, completeness, and verifiability of this account. I am requesting that Experian conduct a lawful investigation and cease all reporting, reinvestigation, and communication related to this account unless and until you can provide competent, documented proof that the information is accurate and legally reportable. 

This includes, but is not limited to : Proof of my contractual obligation Proof of ownership or assignment Proof of accuracy and reporting authority If such documentation can not be produced, you are required by law to delete this account from my credit file immediately. 

Any continued reporting of disputed information without proper verification may constitute willful noncompliance and expose Experian to liability under the FCRA. 

Please provide written confirmation of deletion or verification results. 

This notice is sent with full reservation of all rights. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XX/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 2025-12-24 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: CA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA.

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW.

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
They charged me an annual fee and after that they charged me three late fees every month and then sent me a letter telling me that they had reduced my credit. In this time they never sent me an email never sent me a paper letter never sent me a notification never gave me a call never texted me never made any contact I have the another credit card with this exact same company and I make the payments every month this one had no notification of the charges, but they just kept applying late fees and now when I called to deal with it they said well we've already canceled the card so there's nothing we can do. It's being turned over to collections so I'm very frustrated to say the least

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I got an alert from XXXX XXXX saying that a credit inquiry was started with Synchrony bank with XXXX  as the source. I did not authorize this. I called them and the person who answered the phone transferred me to a different number that was not in service. On XX/XX/XXXX I got a notice from XXXX  that a new account was started called SYNCB/XXXX  WALMART XXXX XXXXXXXX XXXX  as XXXX source. I did not authorize this nor was I aware. I looked it up and found out its with WalMart XXXX and its a credit card, which I know personal information such as XXXX is needed to even open an inquiry with. The date I received the alert was XX/XX/XXXX but it says the account was started XX/XX/XXXX. The account balance was {$0.00}. I called the XXXX department XXXX Synchrony bank who told me they would close the account and issue a fraud alert to all the credit unions. I also received an alert from XXXX  on XX/XX/XXXX that a new trade was started with source being XXXX, then a new account alert on XX/XX/XXXX with XXXX  as the source. I called XXXX  XX/XX/XXXX to confirm this was the same account/issue. I reported it as identity theft and received a call from XXXX on XX/XX/XXXX during which the agent told me she would also issue a fraud alert to all credit unions and send me other tips to protect myself. My account with XXXX  was already locked/frozen but I also did it with the other XXXX credit unions that day. I called XXXX to ask if they could make sure the account was closed. They only looked it up through my name and didnt ask any other info and told me that there is no account under my name. I am disputing the account with all XXXX credit unions.

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 2025-12-24 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:
Please go over the supplied documentsthe questions arrived without advance notice and could be unapproved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
Rausch Sturm claimed I owed debt to XXXX XXXXXXXX XXXX XXXX. I never owed XXXX XXXX XXXX XXXX. We went to court over it. They garnished my wages which put me behind on all of my bills. I received an exemption through the court and the case was done. Im still constantly receiving letters and emails from rausch sturm saying that I owe money. They have not answered any calls or emails, they didnt even show up in court. I received the exemption, almost got evicted, missed work and am behind on all of my bills and they are still harassing me without reason. The case was ruled in my favor.

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 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Care Credit by Synchrony Bank. In XXXX In the chat I requested my " Current /payoff balance with current interest '' - Was given same number as statement balance : {$670.00}. Was told there would be no more interest and that was the current payoff amount including interest. So I paid the XXXX same day. Was reassured that would be the last charge and no interest was due. But they Lied and changed trailing interest anyway. They also reduced my credit limit from {$750.00} to {$250.00} immediately after I paid off the card- Then tried to charge me {$11.00} trailing interest anyway. Also this interest owed comes from these two old promotion balances that have been paid off, but they somehow have one that says {$8.00} terminated and the other says XXXX for a total interest charge of XXXX that posted on XX/XX/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 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CT

Complaint narrative:
Cash App suspended my account without explanation and is holding my funds. Support refuses to provide a reason and only states I will be contacted by email, which has not occurred. This is causing financial hardship and prevents me from accessing my own money. Is been like this the account for 3 years and is no explanation and I cat access to my money or even refund.

Company response to consumer: Closed with explanation