vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a settlement check from my insurance company, with Regions Bank listed as the issuing bank. On XX/XX/year>, at approximately XXXX XXXX I visited the Regions branch at XXXX XXXX XXXX XXXX in XXXX, Indiana, to cash the check. 

I was informed by the teller that, as a non-member, there would be a {$20.00} check-cashing fee. The teller then stamped the back of the check, but shortly afterward told me that the bank could not cash the check. I was advised to contact the issuer of the check but was not provided any explanation as to why it couldnt be cashed. I asked the branch manager if I would have any issues depositing the check into my account at XXXX XXXX XXXX XXXX, and I was told no there should be no problem depositing it. 

Following that, I called the number listed on the check. I reached an answering service and was told no one would be available until Monday, XX/XX/year>, after XXXX XXXX  I followed up that Monday around XXXX XXXX  and spoke with XXXX, an accountant with the third-party company that issued the check on behalf of the insurance company. She explained that they only handle check disbursement and that Regions should be able to verify the check without issue, adding that the check was valid and verified, and I should be able to cash it. 

With that confirmation, I went to the Regions Bank branch at XXXX XXXX XXXX in XXXX, Indiana, and attempted to cash the check again. I was once more told there would be a {$20.00} fee, and the check was stamped a second time. However, I was again informed that the check could not be cashed, and that I would need to have the issuing party contact the bank directly. 

I called XXXX back and informed her of the situation. She said she would reach out to the insurance company to determine the issue. A few hours later, XXXX returned my call and stated that she had been told by the insurer that there is a note on the account explicitly stating that checks may not be cashed at the branch and must be deposited into a financial institution. 

I then attempted to deposit the check through my own financial institution ( XXXX XXXX XXXX XXXX ), but was informed that they could not accept the check because it had already been stamped by Regions making it appear that the check had already been cashed. At that point, I was unable to either cash or deposit the check.

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 2025-06-30 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: PA

Complaint narrative:
Despite being notified of the disputed status of these accounts, you failed to take appropriate action. Your continued reporting of these accounts is both negligent and damaging to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
Despite being notified of the disputed status of these accounts, you failed to take appropriate action. Your continued reporting of these accounts is both negligent and damaging to my financial standing.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice

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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I sent a written request for verification of an account being reported by Citi on XX/XX/year>, asking for documentation including a signed agreement and itemized breakdown. 

The company failed to provide this documentation. Despite the lack of proper verification, they are continuing to report the account to the credit bureaus, damaging my credit. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure the accuracy and verifiability of information reported.

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 2025-06-30 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} INQUIRIES : XXXX CARD Date : XX/XX/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because my rights as a consumer have been blatantly violated under the Fair Credit Reporting Act. I have disputed this account ( XXXX XXXX XXXX XXXX XXXXXXXX ) multiple times, yet it continues to remain on my credit report despite the fact that I did not authorize it, never consented to its reporting, and have received no legitimate documentation to justify its presence. This is a recurring issue that has not only damaged my credit score but has caused serious emotional distress, anxiety, and an overwhelming sense of frustration. I feel like Im being ignored and mistreated by the credit reporting agency that is supposed to ensure the accuracy and integrity of my consumer file. Under the FCRA, I am entitled to accurate information and a fair dispute process. The credit bureau has violated several federal laws by continuing to report these unauthorized accounts. Specifically, this is a violation of 15 U.S.C. 1681b, which prohibits the reporting of information without a permissible purpose. They have also violated 15 U.S.C. 1681e ( b ) by failing to ensure the maximum possible accuracy of the information they are furnishing. I exercised my rights under 15 U.S.C. 1681i ( a ) by filing a formal dispute, yet the bureau failed to perform a proper investigation. To make matters worse, I have repeatedly requested a detailed explanation of how this account was verified, and no meaningful response has been providedanother clear violation under 15 U.S.C. 1681i ( a ) ( 7 ). I continue to receive the same generic and unhelpful responses from the credit bureau claiming that the account was verified as accurate. Thats not an acceptable answer. I am demanding a full explanation of how this information was verified. If they can not provide that, then the account must be deleted immediately. Equifax 's actions demonstrate a pattern of willful and negligent noncompliance, which falls under 15 U.S.C. 1681n and 1681o. Their continued refusal to correct inaccurate, unauthorized, and unverified information is not only damaging to my credit, but its also unlawful. I am demanding immediate intervention, enforcement, and correction. I have suffered enough harm from their negligence, and I will not stop until my consumer report is corrected and my rights are respected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Reference : Account originally from XXXX XXXX XXXX | Amount : {$1700.00} | Reported : XX/XX/XXXX To Whom It May Concern, I am writing to formally request validation of the above-referenced debt, which your company claims I owe and which has been reported to the credit bureau . This letter is written in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Verification that you are legally authorized to collect this debt.

2. A detailed breakdown of the debt amount, including principal, interest, fees, and any other charges. 


XXXX. A copy of the original agreement or contract with XXXX XXXX XXXX that legally obligates me to this debt. 


XXXX. Proof that this debt is within the statute of limitations for collection in my state. 


XXXX. The name and address of the original creditor and any documentation proving the transfer or sale of the debt to your agency. 



Until this requested information is provided, please cease all collection activities, including reporting this item to the credit bureaus. Be advised that failure to properly validate the debt may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Please respond to this request in writing within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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 ran my credit and found some fradulent accounts on my credit repoorts.

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 2025-06-30 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: Oliphant United, Inc.
State: CA

Complaint narrative:
This letter serves as a formal Cease and Desist demand requiring your agency to immediately halt all collection activities and communications regarding the alleged debt associated with : Account Name : OLIPHANT USA - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-30 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: MD

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than XXXX days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within XXXX XXXXays, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

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 2025-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Meritize Financial Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account currently listed on my credit report related to a loan serviced by Meritize. This loan was obtained to enroll in a training program called XXXX XXXX, which has since rebranded as XXXX. 

This program used deceptive and fraudulent practices to secure enrollments and misled students regarding job placement, qualifications, and outcomes. Specifically, students were : Required to falsify resumes to apply for roles they were not qualified for ; Pushed to apply for senior-level positions while being sold an entry-level training experience ; Misled about the programs job placement success.

As a result, I am requesting the removal of this loan account from my credit report. The loan was issued based on fraudulent educational practices, which I can document through evidence and supporting testimonies from other impacted individuals.

This account has caused significant financial and emotional harm. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate this matter in accordance with federal law ; Remove the Meritize loan account and all related derogatory marks from my credit report.

Please notify me once your investigation is complete. I am attaching a copy of my government-issued ID, a utility bill to verify my address, and a copy of this dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit information. This unauthorized inquiry is causing me significant stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than XXXX days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within XXXX XXXXays, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-30 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 regularly monitor my credit report because maintaining a strong credit score is important to me. However, I continue to see false and inaccurate information that has yet to be correcteddespite raising this issue multiple times. This ongoing problem is not only stressful and exhausting, but its also unfairly damaging my credit and affecting my life.

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 2025-06-30 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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