vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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 am disputing the following items reported by Equifax : CHARGED OFF XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I requested via XXXX XXXX XXXX  to close and transfer my HSA account from HSA Bank on XX/XX/year>. My HSA account at that time consisted of cash ( " {$8200.00} ), an investment in the XXXX  ETF Dividend Fund through their Choice Investment Option ( ~ {$8400.00} ), and an investment position in XXXX which HSA Bank has provided previously ( ~ {$43000.00} ). The XXXX position was transferred in kind within 3 days. The remaining funds have not been received as of XX/XX/XXXX, almost one month later. I contacted HSA Bank and was first told that they did not have record of the transfer, I asked for a supervisor and was then told that I needed to liquidate the Choice investment position before the transfer could be made due to it being proprietary ( which is questionable as it was a XXXX XXXX XXXX being transferred to a XXXX account ). They also said they could not transfer the cash position until the Choice position was liquidated. I liquidated that position in early XXXX. I still have not received the transfer however I've received messages from HSA Bank saying that my account has less than {$5000.00} in it and that a transaction was processed in excess of a {$1.00}. I have been unable to use the HSA account as the debit cards expired in XXXX and we have yet to receive replacement cards ( the primary reason we closed the account ). TMy HSA dashboard has alternately indicated the cash is there and also that the account is XXXX balance. The experience has been extremely frustrating and unneccesary, in light of the the speed at which XXXX complied it appears HSA is just holding onto my funds as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I was looking at my credit report through another card company this morning. I had a notification that one of my longest accounts had been closed. I searched and found it was my Citizen Bank credit card that I had for over 15 years. I knew I hadn't used the card in a while, but had not been notified via email or postal mail that my account was at risk of being closed. I immediately called Citizen 's Bank. I explained my situation and asked that they immediately open my account back up. I had a customer service agent state they would ask a supervisor. When the agent got back, he said they could not reopen my account, as it had been closed in XXXX. It is now XXXX. I asked to speak to that supervisor. I stated my story again and explained that I was NEVER notified to begin with, no email, no letter, nothing. All of my other cards have in the past sent both letters and emails if my card hasn't had purchases made in a while. If Citizen Bank had notified me properly, I would have immediately used the card and made sure to keep the account open. The ONLY letters they sent over the last year were promotions to open more accounts/credit cards. How come I received those but not something that was actually important to my account? The supervisor finally said they did send a letter back in XXXX, which I stated I never received. I explained again that I had this card for 15 years and that closing my account was not okay. They said there was nothing further they could do. They offered to have me open a new card and I said absolutely not I will never bank with you again after this. I've had little problems with Citizen 's Bank over the year with payments, those things I let slide, but this really angers me. 15 years of being a customer with them meant nothing to that company. Even after they closed the card I STILL didn't receive a notification. I could understand if I only had the card for a few years, but 15 is a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am disputing the following information on my Experian credit report. The accounts listed below are inaccurately reported, and I request that they be corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$63.00} Late Payments : XXXX  Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-18 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:
Please review the provided materials ; the questions arrived without prior notice and might not be approved.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Since XX/XX/XXXX I have not had access to my funds and they don't want to resolve the problem.

They say I have to wait, but they've had my money for more than 14 days. I have to pay my mother 's medical bills, and they're not giving me a solution.

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 2025-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I joined a website that is advertised a secure way to communicate with people whose identities have been verified with government Identification. However this is a LIE every person on the website is an employee of the website and their only is to steal your money, I already feel completely violated and horrible and now I feel like I'm being revictimized AGAIN!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law.

Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-18 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 previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-18 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: SC

Complaint narrative:
Complaint Regarding Incorrect Credit Reporting and Lack of Notification Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, XXXX, TransUnion and XXXX. This complaint concerns inaccurate reporting of a late payment on my credit report and the failure to provide proper notification regarding payment obligations.

This late payment is negatively impacting my credit score, causing higher interest rates, denial of credit applications and I cant apply for housing. I contend that I was never properly notified about any payment obligations for this account. I did not receive any initial statements, invoices, or reminders regarding upcoming payments. As a result, I was unaware of the payment due date and unable to make timely payments.

I request that the CFPB investigate this matter thoroughly. I am seeking the removal of the inaccurate late payment from my credit report and confirmation from XXXX, that they will provide proper notification of payment obligations in the future. 
Thank you for your prompt attention to 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 2025-12-18 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: NY

Complaint narrative:
i would like the immediate removal of these account and inquires from my credit report so my credit report can update accurately. 

ACCOUNTS XXXX XXXX XXXX XXXXXXXX XXXX INQUIRES XXXXXXXX XXXX XXXXXXXX XXXX Inquired onXXXX On record until XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am writing to have the following information remove from my credit report . the items that I need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that I did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

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 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint as a consumer who is attempting to correct inaccurate information on my Experian credit report. Upon review, I found several charged-off accounts and inquiries that I believe are inaccurate or unverifiable. 

* * Charged-Off Accounts in Dispute * * * XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$400.00} * XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$1400.00} * XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$0.00} * XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$640.00} * XXXX XXXXXXXX Account # XXXX, opened XX/XX/XXXX, balance {$130.00} * XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$640.00} I am requesting validation of these accounts, including proof of accuracy, balances, and authority to report.

* * Hard Inquiries in Dispute * * I do not recall providing authorization for the following inquiries : * XXXX XXXX XXXX  XX/XX/XXXX * XXXX XXXX XXXX XXXXXX/XX/XXXX If Experian can not verify these inquiries and accounts, I request they be removed in compliance with the Fair Credit Reporting Act.

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 2025-12-18 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: MD

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX Attn : Compliance / Legal Department [ Address ] Re : Cease & Desist and Demand for Deletion FDCPA & FCRA Dear Sir/Madam, I am writing regarding the following accounts that XXXX XXXX is attempting to collect or report : 1. Account Number : XXXX Charged off ; {$3800.00} written off ; {$1000.00} past due as of XX/XX/year> 2. Account Number : XXXX Charged off ; {$7200.00} written off ; {$2500.00} past due as of XX/XX/year> 3. Account Number : XXXX Charged off ; {$9900.00} written off ; {$7300.00} past due as of XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Paid, Closed 5. XXXXXXXX XXXX  Charged off ; {$1300.00} written off ; {$1300.00} past due as of XX/XX/year> Cease and Desist under FDCPA : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am formally requesting that you immediately cease all communication regarding these accounts. This includes, but is not limited to, phone calls, letters, emails, text messages, or any other form of contact. Any further communication after receipt of this notice will be considered a violation of federal law, and I will pursue all available legal remedies, including reporting to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

Demand for Deletion under FCRA : Under 15 U.S.C. 1681s-2 ( b ), you are required to investigate and ensure the accuracy of any information you report to consumer reporting agencies. I dispute the reporting of the above accounts as inaccurate, incomplete, or misleading. Therefore, I demand that you : 1. Immediately delete all inaccurate, unverifiable, or unauthorized information related to these accounts from all consumer reporting agencies ( Equifax, Experian, TransUnion, and any other agency ). 
2. Provide written confirmation that these accounts have been deleted and that no negative information will be reported in the future. 
3. Cease all collection activity unless you provide validated proof of the debt in accordance with federal law. 

Please be advised that failure to comply with this request will result in formal legal action, including claims for damages under both the FDCPA and FCRA, as well as complaints filed with regulatory authorities. 

This letter serves as a formal notice of my rights under federal law. I expect written confirmation within 30 days of receipt. 

Sincerely, XXXXXXXX XXXX XXXXXXXX Prejudice All Natural Rights Reserved

Company response to consumer: Closed with explanation