vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

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 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to access my Regions bank online account. The system immediately blocked my access, displaying a security message that read : " Account locked. For your security, weve locked your online account to prevent unauthorized access. '' I immediately called the customer service line ( XXXX ) provided on the screen. The representative informed me that they were unable to assist and instructed me to contact the branch where the account was originally opened. 

I contacted the original branch, but the staff there stated they could not help over the phone and that an in-person visit was mandatory to restore access. I explained that I opened the accounts in XXXX but relocated several years ago and now reside in California, making an in-person visit impossible due to the distance. However, the original branch staff refused to provide any remote assistance over the phone. 

I called the main customer service line a second time to explain my inability to travel to the branch. The representative again insisted that they could not offer a remote solution and that I must contact the branch. This clearly demonstrates the bank 's staff are passing the problem back and forth without offering any resolution. 

I have been a loyal Regions Bank customer for XXXX years. I check my accounts online at least twice a month and have made no unusual transfers, making the lock completely unjustified. I maintain XXXX accounts with a combined total of {$2100.00} ( Checking : {$1700.00} ; Savings : {$450.00} ). The bank 's policy requires an impossible in-person visit to a branch thousands of miles away, which has effectively frozen the entirety of my money. This unreasonable barrier is preventing me from accessing the essential funds I rely on.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The Bank of America allowed fraudulent pending charges to post to my account despite my warning and now refuse to reverse the charges. 

At approximately XXXXXXXX XXXX. on XXXX XXXX on the XXXX corner of the intersection of XXXX and XXXX in XXXX I was a victim of a deceptive practice scam. Within XXXX hour of the charges appearing I called the Bank of America help line to alert them to the {$35000.00} worth of fake charges. Despite this, the charges posted to my account and Bank of America refuses to reverse the charges.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian Information Solutions , Inc. has repeatedly and unlawfully reinserted a fraudulent XXXX XXXX  tradeline on my credit report despite having full evidence of identity theft and invalid documentation. After initially deleting the account under an FCRA 605B identity-theft block, Experian re-added it four separate times the latest reinsertion occurred on XX/XX/2025. 

Experian refuses to provide the required written furnisher certification or any disclosure of what evidence was used to justify each reinsertion, violating FCRA 611 ( a ) ( 5 ) ( B ) and 611 ( a ) ( 7 ). The only document ever referenced by XXXX XXXX  the so-called original application is invalid : it contains a wrong phone number, incomplete fields, mismatched dates, no E-SIGN audit trail, and no verified identifiers linking me to the account. I detailed all these defects in a certified letter sent to Experian and XXXX XXXX, yet Experian ignored my analysis and reinstated the account anyway. 

The PDF packet I submitted documents this pattern, including screenshots of inconsistent reporting between Experian and XXXX, XXXX flawed application, and multiple monthly statements lacking any proof of ownership, signature, or funding source. Despite these facts, Experian continues to republish the fraudulent data directly contradicting my FTC Identity-Theft Reports # XXXX and # XXXX, police report # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and multiple federal complaints already on file. 

This behavior demonstrates willful noncompliance and concealment of reinvestigation procedures in violation of FCRA 605B, 607 ( b ), 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 7 ), and 623 ( b ).

PLEASE VIEW THE ATTACHMENT THAT SHOWS ALL THE ERRORS IN THE SO CALLED " ORIGINAL SIGNED APPLICATION '' AND YET EXPERIAN CONTINUES TO IGNORE

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 2025-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
This submission is associated to case ID XXXX. 

Following my original CFPB submission, I received a call from an AmeriHome supervisor who apologized and stated that " it appears someone dropped the ball on our end '' and that my loan modification was now under review.

However, within the following days I received four contradictory written notices, including an inaccurate denial : XX/XX/2025 Written notice that my loss-mitigation application was complete and under review XX/XX/2025 XXXX written confirmation that application was complete and under review XX/XX/2025 XXXX asking if we need assistance due to missed payments XX/XX/2025 Denial letter containing incorrect statements that we are unemployed and that there are property liens ( we are continuously employed and there are no liens ) The denial contradicts both the supervisors statement and prior written notices. 

This demonstrates : Inaccurate and unsupported borrower data, Conflicting internal servicing actions, An improper denial during an active review, Servicer-acknowledged error ( dropped the ball ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have submitted multiple verified disputes to Equifax, Experian, and TransUnion regarding inaccurate and duplicate accounts and unauthorized hard inquiries appearing on my credit reports. 
Each bureau has repeatedly failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i and 1681s-2, instead responding only with redundant identity verification requests despite already receiving complete proof of identity and supporting documentation. 

A final demand was delivered to all three bureaus on XX/XX/year>, identifying the following accounts and case evidence : XXXX XXXX XXXX XXXX {$2100.00} Closed XX/XX/year>XXXX  Inaccurate/ Not Owner XXXXXXXX XXXX {$1700.00} Closed XX/XX/year> Duplicate Entry Inaccurate/ Not Owner ( Case XXXX ) XXXX XXXX XXXX {$5700.00} Removed by Court ( Case XXXX ) I also disputed unauthorized hard inquiries from XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 

Despite repeated certified submissions, the bureaus have continued reporting the same inaccurate information and have failed to provide any verification documentation proving its accuracy. This pattern of delay, obstruction, and duplication demonstrates willful non-compliance with FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have submitted multiple verified disputes to Equifax, Experian, and TransUnion regarding inaccurate and duplicate accounts and unauthorized hard inquiries appearing on my credit reports. 
Each bureau has repeatedly failed to conduct a lawful reinvestigation as required under 15 U.S.C. 1681i and 1681s-2, instead responding only with redundant identity verification requests despite already receiving complete proof of identity and supporting documentation. 

A final demand was delivered to all three bureaus on XX/XX/year>, identifying the following accounts and case evidence : XXXX XXXX XXXX XXXX {$2100.00} Closed XX/XX/year>XXXX  Inaccurate/ Not Owner XXXXXXXX XXXX {$1700.00} Closed XX/XX/year> Duplicate Entry Inaccurate/ Not Owner ( Case XXXX ) XXXX XXXX XXXX {$5700.00} Removed by Court ( Case XXXX ) I also disputed unauthorized hard inquiries from XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX 

Despite repeated certified submissions, the bureaus have continued reporting the same inaccurate information and have failed to provide any verification documentation proving its accuracy. This pattern of delay, obstruction, and duplication demonstrates willful non-compliance with FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ), and 623 ( b ).

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 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
This is an adjacent complaint to my former complaint XX/XX/year>. Capitol One also closed my 360 savings account, which was in place prior to checking account closed yesterday! Why? Theres no explanation from management per phone call. They simply do not know why! 
I find it funny they have a class action lawsuit pertaining to these 360 savings accounts, and now just before settlement, they chose to close it with no warning, no call, nothing! Are they Looking for reasons to close peoples accounts?

The way this was handled is so unfair, and has created many losses for me. 
Why cant a business like Capitol One reach out or notify there customers prior to blindsiding them with such. Very disappointed, and will be seeking legal advisement You can tell the management feels this was done unfairly with poor customer service! However, all they can say is, XXXX sorry, but nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. Account number : DEPT OF EDUCATION/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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXXXXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened a Capital One credit card account using my name and personal information without my authorization. I am a victim of identity theft, and this fraudulent account is now being reported to the credit bureaus as a charge-off. 

I have never applied for or used any Capital One credit card. I discovered this account while reviewing my credit report and immediately contacted Capital One to dispute it. Despite my dispute and explanation that the account is fraudulent, Capital One continues to verify the account as valid. 

I am requesting that Capital One conduct a thorough investigation into this matter, remove the fraudulent account from my credit report, and provide written confirmation that the account does not belong to me. 

This ongoing reporting of a fraudulent account is damaging my credit and causing financial harm. I am seeking assistance from the CFPB to ensure that Capital One properly investigates and corrects this error in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a computer from Dell XXXX XXXX on XX/XX/year>. Later, I learned that unless I opted to go paperless with my billing statements I would be charged a fee of {$2.00}. I called Dell and asked to speak to a supervisor, I spoke to XXXX. I noted that I was an XXXX XXXX XXXX XXXX  and that without a monthly statement I was likely to miss payments and then would be subject to late fees. 
Comenity charges an interest rate of 35.99 % and now they want to charge a fee of {$2.00} per month to receive a statement. In my view this is unfair and exploitative. I requested a waiver and was refused. People live hectic lives and have illnesses they have to deal with and can't always remember to log on to their computers to check the balances of their accounts. If I have no wi-fi or my computer malfunctions, it may also add to the problem. There's no reason for this fee except greed.

Company response to consumer: Closed with monetary relief