vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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:
This account is reported as a charge-off with a {$560.00} balance across Experian, Equifax, and TransUnion. Since 2020, I have disputed this item multiple times with all three bureaus. Each time, the bureaus mark the account verified without providing any supporting documentation. Dates, amounts, and reporting fields have been altered inconsistently across bureaus, which proves the information is unreliable and inaccurate. The furnisher has never provided validation or proof of liability. This violates FCRA 611 ( a ) ( failure to reasonably investigate ) and 623 ( b ) ( failure to report accurately ).

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 2025-08-27 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Someone sent money to my account mistakenly and I didnt respond fearing it is fraudulent the person reported the transaction led to my account being suspended. I contacted my bank they debited the account and yet did not lift the suspension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Date : XX/XX/XXXX 2025 TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Inquiry XXXX XXXX XXXX  XXXX To Whom It May Concern, I am writing to formally request the removal of an unauthorized hard inquiry from my credit report. 

The inquiry in question is listed as follows : Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : [ Insert Inquiry Date ] Inquiry Type : Individual Location : XXXX XXXX XXXX, XXXX, DE XXXX Phone Number : ( XXXX ) XXXX I do not recall authorizing this inquiry, and to the best of my knowledge, I did not apply for credit with XXXX XXXX XXXX  XXXX at or around the time this inquiry was made. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries may only be made with the consumers explicit permission. 

If you have documentation of my written authorization for this inquiry, please provide me with a copy. Otherwise, I request that this inquiry be removed from my credit file immediately. 

Please investigate this matter and confirm the removal in writing. I have enclosed a copy of my identification and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION CREDIT CONTROL SERVICES , INC Re : Account # XXXX NOTICE TO CEASE AND DESIST COLLECTION ACTIVITY & DEMAND FOR DELETION OF CREDIT REPORTING To Whom It May Concern, This letter serves as my formal notice and demand under applicable federal law.

Pursuant to 15 U.S.C. 1692c ( Fair Debt Collection Practices Act ), you are hereby directed to immediately cease and desist all communication and collection activity related to the above-referenced accounts.

Additionally, under 12 C.F.R. 1006.6 ( c ) and 12 C.F.R. 1006.34 ( c ) ( Regulation F, implementing the FDCPA ), you are prohibited from engaging in unfair or misleading collection practices and must provide complete and accurate validation if you intend to pursue collection.

Further, I dispute the accuracy of the reporting of these accounts under : 15 U.S.C. 1681e ( b ) ( Fair Credit Reporting Act requirement to maintain maximum possible accuracy ), and 15 U.S.C. 1681s-2 ( a ) ( furnishers of information must not report information they know or should know is inaccurate ).

Because you have failed to demonstrate verifiable, accurate, and complete validation of these accounts, any continued reporting constitutes a violation of the above statutes.

DEMAND Immediately delete the above-referenced accounts from all consumer credit reporting agencies to which you have furnished data.

Provide written confirmation within 15 days of receipt of this letter that the deletions have been completed.

Refrain from any further collection activity or communication with me, my family, or my place of employment.

Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General, and to pursue all available civil remedies including, but not limited to, statutory damages, actual damages, attorneys fees, and court costs.

This letter is sent in good faith, with the expectation of your full compliance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Citizens Bank posted an overdraft fee to the checking account. The overdraft fee was the source of the overdraft. Citizens Bank then requested a deposit be made to avoid fee. Customer makes deposit. Citizens then processes transactions that it says was pending 2 days earlier resulting in another fee. Citizens Bank did not credit customer 's deposit, resulting in an additional fee. The issue is that Citizens Bank is debiting " pending '' debits but not crediting " pending '' credits in an effort to exploit it's customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
After the new law Student loans all loans were to come out of deferment. I had called first week of XX/XX/year> to figure what the payment amount would be for the XXXX sons I have that went to school and have loans under me. On the call the agent had placed the loans and helps reduce the upcoming payment which was suppose to be due on XX/XX/year>. On XX/XX/year> I had saw on my report a credit delinquency from AidVantage. When I had called in the first week of XX/XX/year> there agent said my account is in good status and no issues at all. And then was hit with this delinquency. I have called XXXX of times they agreed to removing all false reporting in my credit I was on a call for XXXX hours to figure all this out and they have delivered on their promise. 

I need help clearing this up as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check for {$1400.00} into my Bank of America checking account on XX/XX/scrub> 2025, at XXXXXXXX XXXX 

Under Regulation CC, banks are required to make at least {$220.00} of a check deposit available by the next business day unless a valid exception applies. 
As of today ( XX/XX/year>2025 ), Bank of America has placed my entire deposit on hold until Saturday, XX/XX/year>2025, at XXXX XXXX 
No funds have been released, including the required {$220.00}. 
I have not received a clear written explanation of which Regulation CC exception justifies holding my entire check. 

I am requesting that the regulator review whether Bank of America has complied with Regulation CC 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 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account with Equifax and TransUnion. Despite multiple disputes, XXXX has never provided validation or a chain of assignment proving they own this debt. Both bureaus continue to list the account as verified with inconsistent data across months. This is a violation of FCRA 611 ( a ) and FDCPA 807 ( misrepresentation ).

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-27 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: GA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their continuing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute submissions beginning in XX/XX/XXXX and a follow-up sent on or before XX/XX/XXXX, the credit bureaus have failed to correct or remove inaccurate and unverifiable information from my credit file. 

The following disputed items remain unresolved and unsubstantiated : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to receive the method of verification used in reinvestigation, including : The specific procedures followed.

The full name, title, and contact information of the person or entity contacted.

All documentation relied upon to verify the disputed items.

To date, none of this information has been provided. The continued reporting of these items without proper reinvestigation or verification demonstrates willful noncompliance with : 15 U.S.C. 1681i ( a ) Duty to reinvestigate.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
This credit report doesnt reflect my actual financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank
State: KY

Complaint narrative:
In the month of XXXX I contacted XXXX XXXX about a replacement card. They would not help me without having the card information which was impossible seeing that I didn't have a card. Eventually, the stated they would mail me a new card after confirming my identity. I also did an address change as I had just moved to a different state. A few weeks later I received a letter from them stating my card was suspended. On XXXX XX/XX/year>, I contacted them again spoke with the XXXX named XXXX. He stated that due to the address change the card was suspended and that I needed to verify my address with a bank statement that has my address. I requested to close the account. This bank is a predatory bank and will do their best to not help and prey on those that are trying to build their credit up using secured cards. Do not use XXXX XXXX. They are a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have had my XXXX credit card since XX/XX/XXXX, slowly building my credit. And as of XX/XX/XXXX, the score was at XXXX. When I received my statement for XX/XX/XXXX, however, I noticed my score had dropped all the way down to XXXX, yet I had paid all my credit card payments on time. I immediately did some research and went on Trans Union, and discovered fraudulent unpaid charges were the culprit. I saw that there were XXXX unpaid loans made from XXXX, a company I had never even heard of till that day. Apparently, these loans were being made over a year prior to me even receiving my credit card, so how can they be charging a card that hadnt existed yet? I received my credit card on XX/XX/XXXX, and the first of these loans was opened on XX/XX/XXXX. I also never made any loans with the company, or any student loans at all, all of my tuition was paid without taking out loans. The other day I received a notice that I owe {$1200.00} of loan payments that I did not make from XXXX, and as a result, my trans union account has been declared as delinquent. I also did some research on XXXX itself, and discovered it is apparently notorious for being bad at loans and payments, as almost every single review left on XXXX is XXXX star and filled with many complaints. I filed a dispute twice with Trans Union, but both times I was told the information was accurate and no actions were taken. XXXX in the process of trying to move, but unfortunately, without a good and accurate XXXX XXXX, I find myself in a bind.

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 2025-08-27 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: EdFinancial Services
State: VA

Complaint narrative:
I have had my XXXX credit card since XX/XX/XXXX, slowly building my credit. And as of XX/XX/XXXX, the score was at XXXX. When I received my statement for XX/XX/XXXX, however, I noticed my score had dropped all the way down to XXXX, yet I had paid all my credit card payments on time. I immediately did some research and went on XXXX XXXX, and discovered fraudulent unpaid charges were the culprit. I saw that there were XXXX unpaid loans made from Edfinancial, a company I had never even heard of till that day. Apparently, these loans were being made over a year prior to me even receiving my credit card, so how can they be charging a card that hadnt existed yet? I received my credit card on XX/XX/XXXX, and the first of these loans was opened on XX/XX/XXXX. I also never made any loans with the company, or any student loans at all, all of my tuition was paid without taking out loans. The other day I received a notice that I owe {$1200.00} of loan payments that I did not make from Edfinancial, and as a result, my XXXX XXXX account has been declared as delinquent. I also did some research on Edfinancial itself, and discovered it is apparently notorious for being bad at loans and payments, as almost every single review left on XXXX is XXXX XXXX  and filled with many complaints. I filed a dispute twice with XXXX XXXX, but both times I was told the information was accurate and no actions were taken. XXXX in the process of trying to move, but unfortunately, without a good and accurate XXXX XXXX, I find myself in a bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WV

Complaint narrative:
b'Ive used cash app for 3 1/2 years. I went to the gas station went to go Cash app. My husband and my cash app account said that it had been closed due to gambling. Ive never gambled filed an appeal. They have no evidence showing gambling and Im not the first person this has happened to.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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