vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Summary : Fifth Third Bank closed my long-standing credit card account without any notice, causing harm to my credit history and refusing to provide proper resolution or regulator information despite multiple escalation attempts. 
XXXX XXXX  In XX/XX/year>, I discovered that Fifth Third Bank had closed my long-standing consumer credit card account ( one of my oldest trade lines ) without providing me with any prior notice. At no time did I receive a letter or email notification regarding the closure. The account was in good standing with no negative history. The banks failure to notify me of the closure has caused direct harm to my credit profile, including reducing my available credit and shortening my credit history, which negatively impacts my ability to qualify for new credit and obtain favorable terms. 

After discovering the closure, I immediately contacted Fifth Third Bank through their online chat system. Over the course of multiple conversations on XX/XX/year>, I repeatedly requested that a formal complaint be filed, that a supervisor review my case, and that I be provided the information necessary to contact the appropriate government regulator. I was disconnected multiple times mid-conversation and forced to restart with new agents, requiring me to re-explain the situation over and over. 

When I finally reached a supervisor, I was told that once a credit card is closed, there is no way to reinstate it, despite my repeated requests for the bank to reopen the account and correct my credit reporting. The supervisor confirmed a case number was created but refused to provide the name of the banks regulator. This is despite the fact that, by law, banks are required to disclose regulator information in their account-opening documents. 

Fifth Third Banks failure to provide legally required closure notifications, combined with its poor handling of my complaint and refusal to acknowledge or remediate the issue, has caused material harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
froze my credit in XX/XX/year> because someone tried to open a credit union account in my name i filled a police report. because I froze my credit XXXX have not applied for any credit but recently lifted freeze to apply for a loan and saw this debt collection of {$4000.00} to XXXX credit card that doesn't exist. i only buy XXXX products. I called debt collection agency the company doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX Date XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-28 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unisa, Inc
State: AL

Complaint narrative:
I am filing a complaint regarding what appears to be a fraudulent and inaccurate debt collection attempt related to XXXX XXXX and their partner, XXXX. 

Here are the key details : I was accepted into XXXX XXXX program on XX/XX/XXXX, with classes scheduled to begin on XX/XX/XXXX. 

I verbally withdrew from the program within the first week and never attended classes. 

After that, I received no further class emails or participation notices beyond the orientation message dated XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX emailed me to confirm that my withdrawal would be processed automatically, with a prorated balance of {$0.00} due ( see attached proof ). 

From XXXX through XXXX, I received no other communications regarding any outstanding balance or financial obligations. 

Recently, in XX/XX/XXXX, I received a letter from XXXX claiming that I owe {$30000.00} to XXXX XXXX. This notice is questionable and inconsistent : The top of the letter states {$30000.00} due by XX/XX/XXXX, but further down lists {$1200.00} as the principal amount due. 

This debt has not appeared on my credit report to date. 

I attempted to contact both XXXX XXXX and XXXX by phone to dispute the claim but have been unable to reach a representative. 

The XX/XX/XXXX email clearly shows I had no financial obligation to XXXX XXXX, and my lack of enrollment or class participation since XXXX further confirms this. I believe this is a false and misleading collection attempt, potentially violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) if reported.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I began submitting my disputes to Equifax/Experian/TransUnion regarding inaccurate accounts on my credit report on XX/XX/year>. I can include all of the letters I sent. It has been over 6 months, and I have not received any response, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and ensure the credit bureaus provide a proper response and correct any inaccurate information. If not, these accounts should be removed due to them hindering me from obtaining loans and financing. Thanks for all of your 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I began submitting my disputes to Equifax/Experian/TransUnion regarding inaccurate accounts on my credit report on XX/XX/year>. I can include all of the letters I sent. It has been over 6 months, and I have not received any response, as required under the Fair Credit Reporting Act ( FCRA ). Please investigate and ensure the credit bureaus provide a proper response and correct any inaccurate information. If not, these accounts should be removed due to them hindering me from obtaining loans and financing. Thanks for all of your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently noticed an account on my credit report that I did not open or approve. This account was created without my knowledge and is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under XXXXUSC XXXX. 

Account Name : NCB XXXX XXXX Has violated my Rights XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 
XXXX U.S.C XXXX section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without writing Instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : No consumer reporting agency may make sny consumer report containing any of the following items of information any other adverse item of information, other than Records of convictions of crime which antedates the report by more than XXXX years XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating consumer to any 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 2025-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: WA

Complaint narrative:
My late mother passed away in XX/XX/year>. Since her passing, I have been in communication with XXXX XXXX XXXX, providing all requested documents and information so that her vehicle could be handled properly. Despite my repeated efforts, I received no further correspondence or direction from the company for months. 

On XX/XX/year>, the vehicle was repossessed in the middle of the night without any prior notice to our family. Because no warning was given, we were unable to remove expensive and irreplaceable personal belongings from the car before it was taken. 

This action occurred after I had already submitted the documentation XXXX XXXX XXXX requested, and while I was still waiting for a response from the company. The lack of communication followed by the sudden repossession has caused unnecessary hardship and emotional distress for my family, who are still grieving the loss of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is an account being reported under my name that I did not open. I have no connection to this account and suspect it is a result of identity misuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I noticed I had unauthorized inquiry on my credit score. It wasnt not me. Can youll please get this resolved. 

Inquiry details XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
they are calling everywhere making threats and asking unprofessional questions of my where abouts its scary and its harassment and i have full communication with them on trying to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
b'Planet Home Lending assumed my mortgage from XXXX  in XXXX 2025. The company offers paper billing which I elected.  However, after the first bill received on XXXX, which was due on XXXX, they continually do not send the bill in a timely manner to be received and payment to be mailed back.  \nThe XXXX  bill, which was due XXXX XXXX. was not received until XXXX XXXX.  It was dated XXXX XXXX XXXX.  The XXXX bill, which was due XXXX XXXX, was not received until XXXX XXXX.  I was dated XXXX XXXX.  Today is XXXX XXXX  and the bill due XXXX XXXX has not been received.  I called and the Customer Service person says that the statement was issued on XXXX, and I should receive it on XXXX  XXXX oXXXX XXXX  XXXX.  Since the payment is due on XXXX this leaves no time for me to mail them my payment.  I said this to her but she just kept repeating that I would get the bill in XXXX  to XXXX  business days.  I requested to speak to a supervisor and as I am typing this I have now been on hold for XXXX XXXX XXXX waiting to speak to a supervisor.  \nWhen the customer service person took the call, I said I was calling because I had not received my bill which is due XXXX.  She asked "Is that from your insurance company?"  I said "what?"  She said "is this about a refund?\'  She obviously did not know what a bill is.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I was contacted by Source Receivables Management regarding a debt from XXXX. The notice did not provide enough information to verify the debt and did not inform me of my right to dispute the charges. Because of this, I was unable to confirm whether the debt was valid or accurate. Despite this, the debt is appearing on my credit report. I am requesting that the company verify the debt properly and remove it from my credit report if they can not provide proper documentation.

Company response to consumer: Closed with explanation