vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION
State: TN

Complaint narrative:
. 
Facts Within 3 days of my mothers passing I notified your institution of my mothers death and requested that her accounts be frozen until an executor was appointed. 
Despite this, XXXX unauthorized transactions occurred on XX/XX/year>, after her death : o {$8500.00} transfer at approximately XXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX  XXXX. ) o {$2800.00} transfer at approximately XXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX XXXXXXXX. ) o {$700.00} payment to a XXXX credit card at approximately XXXXXXXX XXXX ( Time Estimated due to lack of documentation requested multiple times from XXXXXXXX XXXX XXXXXXXX. ) These transactions were executed using my mothers phone after her passing. No executor had been appointed, and no authorization existed for these withdrawals. 
Evidence I have documented proof of these transactions. 
I possess a recording of the meeting when these accounts were designated with beneficiaries, and the individual who drained the account is on that recording assisting my mother in setting up the designations. 
Banks Conduct XXXX has repeatedly refused to provide requested documentation and accurate information, despite multiple inquiries. 
When questioned, XXXX representatives falsely claimed there was no record of withdrawals on XX/XX/XXXX, which is demonstrably incorrect. 
Recently, Amegy bank attempted to deposit funds into my account in an incorrect amount, further compounding the issue. 
Legal Position Failure to act upon notice of death and your refusal to provide accurate records constitute negligence, breach of fiduciary duty, and potential misrepresentation. These actions have caused financial harm to the estate and its beneficiaries.

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: LA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My partner died, XX/XX/XXXX He was a XXXX veteran, and I assisted him for XXXX  years. We decided to purchased our house together XX/XX/XXXX. 

Over the past XXXX years, I sent all the information Freedom requested from me over to them. They continued taking payments from me. Within this period of time I fell behind, because of the transition of my finances, losing my partner. 

It wasn't until XX/XX/XXXX, they decided to no longer receive payments from me, and decided to send a certified letter to the decease veteran, and " when he did not respond '', they proceeded with foreclosure on that basis. 

I have several response letters dating back over the last XXXX years, where I have made contact with Freedom, and they have responded in letters identifying my requesting successor of interest. Every time I called the person who answers says they can't talk to me or tell me anything about the account. 

The company has continuously denied not receiving death certificate, or copy of deed etc. I have tried to rectify and get a payoff which started at XXXX in XX/XX/XXXX, and the total given to me XX/XX/XXXX, is now XXXX. 

I have a foreclosure lawyer, I have tried to reconcile this, and every time I speak to a different Freedom Representative every time I have called. I have never had a central point of contact or case manager. They have said I may not assume the loan, nor can I be named Successor of Interest. I have been in my home almost XXXX years, XXXX without my partner. I am a XXXX XXXX XXXX who wants to remain in her house and in my community. 
Thank You

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXXre is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute XXXX XXXX decision to maintain a reported XXXX late payment for XX/XX/year>, which is inaccurate and unsupported by the accounts actual payment history. 

The final payment due date on this account was XX/XX/year>. I submitted my final payment on XX/XX/year>, which satisfied the XX/XX/year> payment obligation and resulted in the account being paid in full and closed. 

While this final payment XXXX have been made after the contractual grace period, I was never more than 30 days delinquent at any time during the life of this loan. Across all XXXX payments made on this account, none exceeded the threshold required to classify the account as 30 days past due under standard credit reporting definitions. 

Additionally, when I contacted XXXX XXXX by phone to discuss this matter, the customer service representative advised that they did not see anything in my payment history indicating that I was ever more than 30 days late. This verbal confirmation further supports that the reported XXXX delinquency for XX/XX/year> is not reflected in XXXX own internal records. 

Reporting a XXXX late payment for XX/XX/year> is therefore inaccurate and misleading, as : No payment was contractually due in XX/XX/year> The final payment applied to the XX/XX/year> due date The account never reached a delinquency of 30 days or more XXXX  own representative confirmed no XXXX delinquency appears in the payment history Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report information accurately and to correct or delete information that is incomplete or incorrect. Maintaining this derogatory mark constitutes inaccurate reporting and is causing measurable harm.

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: NJ

Complaint narrative:
I have noticed there are few accounts reporting that I didnt authorize

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a dispute regarding the following items listed on my credit report with the XXXX major credit bureaus : Equifax, XXXX XXXX XXXX. Below are the details of the accounts in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES No inquiries listed. 

POSITIVE No positive accounts listed. 

LATE PAYMENT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am being assesed extra charges each month even though account is in good standings. I asked as a good faith gesture remove rather than me making a dispute, the {$29.00} in fees. 

I also have asked repeatedly that they look into why i am not receiving my monthly bill in the US Mail. There was no request for email bill and i do not receive an emailed bill. 

They are taking advantage of customers when the loan gets close to due, because they already milked all the interest money.

Company response to consumer: Closed with monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
An open account on my credit report is being reported with a late payment that is inaccurate. This information does not reflect my true payment history. I disputed this error, but the credit bureau has continued to report the late payment without proper correction. This inaccurate reporting is harming my credit profile and does not comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
I have received multiple phone called from a number listed as " FCI '' at XXXX alerting me that they are reaching me ( using my name ) to collect a debt. I don't have any debts except my student loans, which are in forbearance indefinitely.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
NRA Group is in willful violation of Regulation F ( 12 CFR 1006 ) and the FDCPA.

Failure to Send G-Notice ( Reg F Violation ) : The respondent initiated communication via text message on XX/XX/year>, but failed to deliver the required written Model Validation Notice ( 15 U.S.C. 1692g ) within five days. A hyperlink in a text does not satisfy the 'written notice ' requirement absent my E-SIGN consent, which they do not have. 

Deceptive Communication : The respondent is using 'shady ' short-code text messages to solicit payment on an unverified debt, a tactic often associated with phishing, which prevented me from validating the legitimacy of the request. Additionally, each text they send contains a different phone number, adding even further to my suspicion of their legitimacy. 

Premature Credit Reporting Warning : I am aware of this agency 's automated practice of credit reporting at Day 30. Reporting this item prior to providing the legally required written notice would constitute a further violation of the FCRA.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate and correct inaccurate information on my credit report. 

Experian is reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) tradeline that does not belong to me. The account is reported as opened XX/XX/XXXX with an approximate balance of {$6700.00} and reflects a charge-off. I did not apply for or authorize this account and I dispute any liability. 

I previously disputed this tradeline with all credit bureaus and provided supporting information. Despite my dispute, they have continued reporting the account and/or responded that it was verified, without providing meaningful substantiation that the account is mine. Under the Fair Credit Reporting Act, a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information and must provide the consumer notice of the results of that reinvestigation. 

This same underlying account was also the subject of a CFPB complaint against the furnisher ( XXXX XXXX XXXX XXXX ) under Complaint No. XXXX. In that matter, XXXX claimed it sent documentation validating the account on XX/XX/XXXX, but I never received any such documentation ( no agreement, no statement history, and no proof of authorization ). Experian should not continue to report information as accurate when it can not be properly verified as belonging to me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian, Equifax, and Transunion for failing to properly investigate and correct inaccurate information on my credit report. 

Experian is reporting a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) tradeline that does not belong to me. The account is reported as opened XX/XX/XXXX with an approximate balance of {$6700.00} and reflects a charge-off. I did not apply for or authorize this account and I dispute any liability. 

I previously disputed this tradeline with all credit bureaus and provided supporting information. Despite my dispute, they have continued reporting the account and/or responded that it was verified, without providing meaningful substantiation that the account is mine. Under the Fair Credit Reporting Act, a consumer reporting agency must conduct a reasonable reinvestigation when a consumer disputes information and must provide the consumer notice of the results of that reinvestigation. 

This same underlying account was also the subject of a CFPB complaint against the furnisher ( XXXX XXXX XXXX XXXX ) under Complaint No. XXXX. In that matter, XXXX claimed it sent documentation validating the account on XX/XX/XXXX, but I never received any such documentation ( no agreement, no statement history, and no proof of authorization ). Experian should not continue to report information as accurate when it can not be properly verified as belonging to me.

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