vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I attempted to deposit {$800.00} into my XXXX account at a Hutnington ATM on XXXX XXXX in XXXX at XXXX XXXX. I make withdrawals there, I did not know I couldnt make a deposit there. When I tried to deposit the money, the ATM spun out a bunch and did not deposit my money. It said there was an error and to take my cash and card but it never opened the cash hole. I called the number on the atm immediately and they told me they could not help me. After this issue, the atm machine was down and said it could not do withdrawals or deposits. It did not give me a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX XXXX One Main financial Does NOT have any option but to pay by bank account online, and I have to spend 30 minutes + on a XXXX phone call to pay with debit. This is a major issue. My wife is a Joint account holder and says do NOT put the account numbers online, as they don't pull that day ( like a debit is direct and instant ) and we may and have faced NSF fees due to it not actually coming out the day it was submitted. we did it once, I have had many complaints lodged with Brightway OMF regarding this. What if I were deaf or mute? How would I pay by debit? If my wife said no as a joint account holder, I must listen. I feel this is against ADA practices and that OMF should make changes. Also, I get paid on Sundays. OMF is not open on Sundays ... debit payment would work on Sunday online. Also, I would not ever be late to pay, as I do not have to waste time on the phone when I hate people in general, let alone calling to talk to some random and give my info each month. Request to hear every month my calls, that they have recorded, and see how every single month I ask for a fix, I explain my situation, and am completely ignored, never an escalation. After they reply to this, I will be following up with Florida 's AGs to complain about unfair business practices and to see if they are, in fact, breaking any ADA rules. If I were deaf, and or mute, I could NOT pay debit online and would be forced to do this one option : open a new account? NO, is OMF going to pay the bank fees each month for that? No! One of their agents on a call actually suggested I do that. What the actual XXXX? They may not respect marriage, but I respect my wife and her wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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: GA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-29 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable.

To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately.

This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification. I request a complete reinvestigation and the removal of any information tha
t can not be verified with documented proof.

This account shows paid in settlement yet continues to report CO months after being closed, which is inaccurate and violates FCRA 623 ( a ). A settled account can not keep updating CO. Please correct or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This notice regarding inaccurate information that continues to appear on my credit file. You have failed to properly verify the following accounts under FCRA 609, 611, and 623, which requires all reporting to be accurate and fully verifiable.

To date, you have not provided : Proof of verification Documentation from the furnisher Contact details of the person who claimed to verify Any evidence showing the information is correct If these accounts can not be verified with original documentation, they must be deleted immediately.

This is a lawful request for compliance with federal law. A verified response without proper documentation is not a lawful verification.

I request a complete reinvestigation and the removal of any information that can not be verified with documented proof.

This account shows paid in settlement yet continues to report CO months after b
eing closed, which is inaccurate and violates FCRA 623 ( a ). A settled account can not keep updating CO. Please correct or delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I XXXX XXXX XXXX want to request at this time under extraordinary circumstances the deletion of all past due payments on my account posted by your financial institution. My request is professional based upon the following criteria : I am an officer in the United States XXXX XXXX and have been XXXX for over two-years. My training has been rigorous for an exceedingly long time, and I had truly little room to attend my personal affairs. Having been recently married, my wife now manages all payments to my accounts. 
My service to my country deserves some consideration. 
Thank you for your attention to this matter. 
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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Flexible Finance, Inc.
State: MI

Complaint narrative:
Flex finance removed me from paying rent when it was fraud in my account t and I notified them never received a verify Income email it was no where on the flex app that I needed to verify income. No place to update me! Flex text me about payments but failed to text me then when this issue was out of my control! Poor customer service! And this how I pay my rent I am a single mother with children not right at all to just cut someone credit who had communicated when my account had fraud activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX of 2025 i made a purchase on my new citi card for the amount of {$560.00}. On XX/XX/year> i made my first payment of {$150.00}. In XXXX I paid the balance in full and zeroed my account only to be informed my initial payment wasreversed. This began a three month back an forth where i have never seen any credit to my truist bank. I have made well more than 10 phone calls. I was assigned a dispute case number XXXX. I was informed to send bank statements for XXXX and XXXX to prove no deposit from citi ever happened. I DID THIS THREE TIMES! In XXXX I received a letter ( dated XX/XX/XXXX ) from citi crediting {$150.00} and a late fee back to my account - back to zero. On XX/XX/XXXX I made a purchase and quickly paid in full and my app showed zero balance then in XXXX {$150.00} balance appears again. When I call they keep telling me i have not provided proof in the form of bank statements from XXXX and XXXX. I HAVE SENT THESE THREE TIMES!! Each time I call i burn an hour trying to make my point to no avail! I am completely FRUSTRATED!! 
Please Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-29 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 disputed a credit charge being fraudulent. Capitol one did not do a proper investigation and denied my dispute. But there is a call recording between me and capitol one where the agent on the phone told me the company is a scam and in legal dispute with capitol therefore they were blocking the charge on their end. Then the merchant changed their name and continued to charge my card without authorization. Capitol one has not done their job in investigating this matter and therefore I have been stuck paying in a charge I did not do business with and the company is a total scam! And ran off with my money I dont want them taking anymore money from anyone else this is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-11-28 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company
State: GA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 611, and 623, and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Reporting Standards. 
After reviewing my TransUnion credit file dated XX/XX/year> I identified multiple accounts reporting inaccurate, incomplete, inconsistent, and/or unverifiable information that violates the mandatory XXXX XXXX compliance structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 611, and 623, and the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Reporting Standards. 
After reviewing my TransUnion credit file dated XX/XX/year> I identified multiple accounts reporting inaccurate, incomplete, inconsistent, and/or unverifiable information that violates the mandatory XXXX XXXX compliance structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: KY

Complaint narrative:
XX/XX/2025, I received a call about an account that I was aware of, and the amount of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: WA

Complaint narrative:
XXXX agreed to remove the owing amount from Credit Control LLC from XXXX. However, on XX/XX/year> a new collection was created with 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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CFPB Complaint XXXX XXXX  Withholding Verified Funds Subject : XXXX XXXX Holding Verified {$5000.00} Beneficiary Check Complaint : I deposited a {$5000.00} life-insurance beneficiary check into my XXXX XXXX account XXXX The bank pulled the funds from the estate account, confirming the check was valid. Despite this, XXXX XXXX claims the check is fraudulent or unable to verify and has kept my funds on hold for 3 months. 

XXXX XXXX also reported me to XXXX, falsely indicating fraud, damaging my banking record. The banks fraud department verified the check with the issuing bank, yet my money remains inaccessible. 

This has caused financial hardship and stress. 

Request : Release my {$5000.00} immediately Correct my XXXX  record Compensate for fees or damages caused by the delay Consumer Information : ( Name, Address, Phone, Email ) Bank Information : 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