vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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:
I Discover that I am a victim of fraud. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account. The fraudulent inquiries include : XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> ; XXXX inquired on XX/XX/year> ; XXXX XXXX XXXX inquired on XX/XX/year> and XXXX XXXX  inquired on XX/XX/year> and the fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries and accounts are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I am filing this complaint against the credit reporting agencies for failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 6 ). My first dispute was submitted in XX/XX/XXXX, followed by a certified, notarized dispute letter mailed over 45 days ago, yet the agencies have failed to comply. 

Under 15 U.S.C. 1681i ( 6 ), you are required to provide the results of a reinvestigation no later than 5 business days after completion. To date, no results have been provided. The disputed items remain on my credit report, making you noncompliant with federal law. 

I am keeping a full paper trail for legal purposes. This letter will also be included in my documentation. Your failure to act has resulted in inaccurate and unverified information continuing to be reported, which is unlawful. These items must be removed immediately. 

The following accounts remain inaccurate, unverified, or unlawfully reported : XXXX XXXX XXXX This account was never late in XX/XX/XXXX. I was protected under the CARES Act, and the creditor has confirmed this. Update the account accordingly. 

XXXX XXXX XXXX XXXXXXXX You are reporting the incorrect balance and Date of Last Activity ( DLA ). Remove this account immediately. Note : XXXX  has already deleted this account. 

XXXX  XXXX XXXX This account is reporting the wrong open date and an incorrect balance. The account was settled. Note : XXXX XXXX XXXX have already deleted this account. 

XXXX  XXXX XXXX This account was never late in XX/XX/XXXX. I was protected under the CARES Act, and the creditor has confirmed this. Note : Equifax and TransUnion do not report this information. Update this account immediately. 

You are in continued violation of the FCRA by allowing unverified and inaccurate items to remain. I demand that these accounts be deleted or corrected immediately and that written confirmation of compliance be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported about me by your company, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, regarding civil liability for negligent noncompliance. 
The following item ( XXXX ) on my credit report is/are inaccurate or incomplete : XXXX XXXX XXXX XXXX NAVY FCU Despite my previous communication ( s ), in which I disputed this/these item ( s ) and provided supporting documentation, your company has failed to correct or remove the inaccurate information.

Under 15 U.S.C. 1681o, your company may be held civilly liable for actual damages caused by this negligent failure to comply with the FCRA, along with the cost of litigation and reasonable attorneys fees. I have suffered harm as a direct result of your failure to take corrective action, including but not limited to : Denial of credit, Emotional distress, Increased interest rates, Loss of financial opportunity.

If your company continues to neglect its legal obligations under the FCRA, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General, and, if necessary, pursue legal action to recover damages under 15 U.S. Code 1681o. 

Please consider this letter as formal notice of a potential claim and retain all relevant records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Fifth Third Bank regarding repeated fraud on my account and the banks insufficient response. 

At the beginning of XXXX, my Fifth Third account experienced fraudulent activity. Fifth Third reimbursed me for that incident, but it raised questions about whether my account had been properly secured afterward. 

Shortly after, on XX/XX/year>, I was the victim of a sophisticated scam where fraudsters impersonated Fifth Third Bank. These scammers referenced the earlier fraud incident and even claimed that branch managers may have leaked customer information. They convinced me my account had once again been compromised and instructed me to withdraw {$6100.00} in cash and deposit it into a XXXXlinked XXXX XXXX card. I was told this was a temporary account under their partner bank while Fifth Third investigated, and that I would receive a debit card in the mail to access the funds. 

I immediately reported this fraud to Fifth Third and provided : A police report ( Report # XXXX ) A fraud case number opened at the branch ( Case # XXXX ) Since then, I have made multiple attempts to contact the fraud department but have been disconnected or placed on indefinite hold. I was told to wait for a call back within 10 days but have not been contacted by an investigator or given any updates. XXXX and XXXX confirmed they can not release transaction details to me only Fifth Third can trace and recover these funds through the interbank process. 

My concerns : 1. Fifth Thirds security controls may not have been sufficient, allowing fraudsters to exploit my account information twice in XXXX month. 
2. The fraudsters used details from the first incident to convincingly impersonate the bank. 
3. Fifth Third has not provided communication, escalation, or investigation transparency. 

Requested Resolution : A full investigation into whether Fifth Third properly secured my account after the first fraud event. 
An update from Fifth Thirds fraud department with an assigned investigator and timeline. 
Recovery and reimbursement of the {$6100.00}, as I acted in good faith believing I was dealing directly with Fifth Third regarding account security. 

I urgently request CFPB assistance in holding Fifth Third accountable for securing accounts and protecting customers from repeated fraud events like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX MTR Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a victim of fraud since XX/XX/year>. I made Bank of America aware of the situation, with multiple calls, visits to my local bank and spoken to several people. I also have holds on all of my credit reporting agencies as well as holds on my Bank of America accounts. 

While Bank of America was aware of my Fraud case that was open, they sent several credit cards to XXXX XXXX in XXXX, XXXX. This is a Fraud account which I never approved. I have never had an additional person on my account.

Bank of America sent me multiple letters, which are attached, stating that they suspected Fraud on my Account in late XXXX.... but then approved a fraudulent balance transfer a week later. 

Bank of America then approved an XXXX $ Balance transfer from my account which should have been locked. The only way to access this account was if I went into my local bank and provided two factor authentication. I NEVER approved this balance transfer.

I opened a fraud claim against this balance transfer twice, both times it was denied stating I made this transfer from a verified device. Meanwhile, Bank of America was verifying the fraud phone number, email, and address of the fraudulent person. 

I refuse to pay XXXX $ for balance transfer I didn't make. It is ridiculous to me that Bank of America not only sent credit cards out to the fraud personnel, but allowed a balance transfer to happen while my account was supposed to be locked and closed.

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 2025-09-27 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: FL

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025 XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My Checking account was closed without notice by truist in which my paycheck gets deposited into every month which is approximately XXXX XXXX  each month. Now I have no way to receive my paycheck. And has caused great financial strain on my family

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 2025-09-27 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: TN

Complaint narrative:
I am writing to formally dispute an item on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete the item that may have been affected by this breach, as it can not be verified as accurate or legitimately associated with me. The specific item I am disputing is : Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/year> Balance : {$17000.00}

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 2025-09-27 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: FL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$270.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC, XXXX  XXXX {$780.00} LVNV Servicer : Resurgent Capital Servives L.P.

I am disputing the validation of three alleged debts currently owned by LVNV Funding LLC and sericed by Resurgent Capital ServivesL.P. I sent a legally binding Debt Validation Request and Cease & Desist Letter via certified mail on XX/XX/year> tracking number XXXX In response, the company sent only internal " Account Summary Reports '' and a denial of my dispute. These docunents are generated by their servicer and DO NOT CONSITUTE LEGAL DEBT VALIDATION as required by 15 U.S.C. 1692g. The company failed to providethe following essential documentation for any of the three accounts : 1. A copy of the original signed consumer credit agreement proving my contractual liability. 
2. The full, complete CHAIN OF CUSTODY/BILL OF SALE proving that LVNV Funding LLC legally owns the debt and has the right to collect. 
By reporting these accounts and attempting collection without providing proper legal validation, LVNV Funding LLC is violating the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have attempted to to contact XXXX over the phone through verbal conversation, but no success. Your company was negligent in the matter of taking my automated payments. There was a system error on your end that did not allow my payment to go through. I made a change to the principal only which I increased the principal to pay extra, which I have always done. Mind you I have never been late before either. Your company is refusing to resolve the issue and correct the late payment issue. And now your company is trying to steal nearly {$1000.00} per year in PMI when my PMI should be taken off ( and should have been taken off prior to your mistake ) but your company will not do it due to the error on the auto payment system. As I said, I have never been late in paying any bills and now youre trying to steal money from me and treating me like some negligent person. I will not idlely standby while your company steals from me. I do not agree with this decision at all. I feel very much taken advantage of. Also, your agent informed me that I was not allowed to record her on the phone which is legal in North Carolina and then she threatened to end all communication with me if I recorded her. I will be obtaining a lawyer if this is not resolved adequately. I dont care if it cost me thousands of dollars this is not right and I will not allow you to steal from me and treat me poorly. I look forward to your response in the matter and hopefully we can make some progress and I can put this very stressful event behind me. I will also be contacting the Better Business Bureau and the North Carolina commissioner of banks. If I do not hear back from you with a positive solution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I TRIED TO OPEN A CHECKING ACCOUNT AND COULD NOT, THE BANK TELLER INFORMED ME THAT I WAS IN 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 2025-09-27 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: Paypal Holdings, Inc
State: MO

Complaint narrative:
On Friday, XX/XX/XXXX, my sister tried to send me {$40.00} and my account was frozen. Now I'm unable to receive or transfer my funds. I have called and was unable to get unable locked. Was told it may take up to 7 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NC

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief