vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have been a victim of someone writing checks off my account. The checks did not have my name or address on it. It did have my routing and account number and account number on it. I have requested for almost a year to have this resolved. I have been told XXXX will not give the money back. I do not bank with XXXX  I bank with Discover Bank I do not understand why I have to deal with XXXX. Discover bank should not have allowed these checks to be pulled out of my account. Discover made the mistake want XXXX  to fix it and me as the consumer is getting money stolen out of my account with no protection. I have file server affidavits as the have requested. I have sent in police report I have jumped through every hoop they have asked thinking this will get resolved. I spoke with them today XX/XX/year> and they have stated XXXX will not give them back the money but XXXX did not take my money discover released my money. After seen a check that wasn't mine. I out {$1000.00} dollars of my money have been put through so much with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Company : Credit Collection Services ( CCS ) Complaint : Illegal reinsertion of deleted account / No notice / Inaccurate reporting Summary : A collection account from Credit Collection Services was deleted from my credit report in XX/XX/year>. The same company has now re-reported the account with a new account number, new balance, and new date opened, but did NOT notify me of the reinsertion. This violates FCRA 611 ( a ) ( 5 ) ( B ), which requires written notice within XXXX business days when a deleted account is reinserted. 

I also never received a validation notice within 5 days of this new reporting, which violates FDCPA 809 ( a ). 

Details : Old balance was {$57.00} ; new balance is {$50.00} New account number is being reported No letter, no communication, and no explanation was provided This appears to be illegal reinsertion, re-aging, and inaccurate reporting Impact on me : This false reinsertion has lowered my credit score and is harming my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I tried to do a deed in lieu after failing to do a short sale of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with M & T Bank, XXXX M & T XXXX, XXXX Floor, XXXX, XXXX  XXXX. As an XXXX XXXX military member I thought the Service members Civil Relief Act ( SCRA ) would prevent foreclosure but the bank told me to XXXX off and that they will move forward with foreclosure after filling out all necessary paperwork for a deed in lieu. All I have left is to clean it and the bank was to take it but they refuse.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please evaluate the included materials ; the questions were submitted abruptly and may lack authorization.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested information about the {$300.00} refund shown on the merchants invoice because the funds were never returned to my account. I asked for proof that the refund was actually processed. The merchant stated that they could not return the funds because I opened a dispute with my bank ( Chase ). I initiated the dispute through the Chase app and the claim was denied without initially requesting evidence from me. Later, I submitted supporting documents, and Chase denied the claim again, but I still have not received the refund, and Chase shows no record of the credit being processed. I also requested an explanation as to why the merchant recorded a Refund {$300.00} in their system if the refund was never transmitted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is probably the 100th time im trying to get in contact with the dispute department from transunion. They have my student loans marked as delinquent when they were never delinquent they are current. XX/XX/2025 i started this process and I have not gotten a response as to why they keep denying my dispute.

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 2025-11-18 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: MD

Complaint narrative:
I am submitting this complaint because several fraudulent accounts and unauthorized inquiries are appearing on my credit reports, and the credit bureaus have failed to properly investigate my identity theft claims despite receiving all required documentation. 

I did not authorize or open the following accounts :XX/XX/XXXX Account XXXX ( Opened XX/XX/XXXX ), XXXX XXXX XXXX Accounts XXXX ( Opened XX/XX/XXXX ) and XXXX ( Opened XX/XX/XXXX ), andXX/XX/XXXX Account XXXX ( Opened XX/XX/XXXX ). These accounts were opened without my knowledge or consent and are the result of identity theft. 

I submitted written disputes along with an FTC Identity Theft Report and supporting documents as required under FCRA 605B. Despite this, the credit bureaus did not block the fraudulent accounts, did not provide the required method of verification, and did not supply copies of any original applications or contracts verifying that I opened these accounts. 

Additionally, multiple unauthorized inquiriesXX/XX/XXXXremain on my reports even though they were not initiated by me. 

I am requesting the CFPBs assistance because the bureaus have not complied with their obligations under the FCRA to properly investigate my dispute, remove fraudulent information, or provide verification of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi Im XXXX XXXX look is XXXX XXXX and the XXXX attack XXXX XXXX shes doing everything used XXXX against me shes is to dangerous shes stealing everything my life I m hearing two those ladies planning all what they done with my life the XXXX XXXX shes hacking my cellphones and stealing all my information my biometrics my pupils my fingerprints they stole my cellphone and the afternoon to spend money from my credit cards XXXX came to my house and take all my cards social security credit cards my debit my bank account the transfer the money to checks XXXX went to the post office to thelling them send my mail to a rent box the they rent and I went and the desk person doesnt want give to me my mail they stealing the mail they stealing my email address myXX/XX/XXXX they dont want me communicating with agencies the government to look for help to report everything they done XXXX went erasing my name to the post offices and shes eraser my address to the XXXX XXXX is went to theXX/XX/XXXX shes using my social security shes going to school and working in hob shes getting my plates desable for her car shes using my resume to getting school and shes gettingXX/XX/XXXX checks for social security in XX/XX/XXXX shes went to tell in the XXXX I abuse her but I dont see her for 10 years and shes fraud merry me to ask forXX/XX/XXXXand shes using my information using to my hospital archives shes resive check forXX/XX/XXXXin the XXXX shes lied they descharge me but I have XXXX I stayed in my house sick XXXX put from my cellphone camaras in my house and my XX/XX/XXXXand my living room and the kitchen in my car I take my cellphone clean and shes staking me Im and GPS and the text messages shes sending to people and her organization and sending me people to follow me to my house to threaten 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
One Main lists the account on the credit report as charged off! Under the FCRA to include 15 USC 1635 and 15 USC 1692g, income is not to be reported on credit reports. If they've charged off the account, I should've received a 1099C and I have not! They wrote this account off on their taxes as a loss and did NOT supply the appropriate documentation to me, the consumer! Again, INCOME is not reportable on credit reports. 

The balances are even different : Charge off amount {$9200.00} However the balance is listed as {$11000.00} Since there are 2 different amounts listed and I never received the appropriate 1099C, I demand that all reporting cease and the item be removed from ALL credit reporting sites... XX/XX/XXXX and XX/XX/XXXX as well as secondary bureaus! 

Date last reported is XX/XX/year>, past due Balance {$11000.00}, credit limit {$9200.00}, CHARGE OFF amount {$9200.00} If additional information is needed, please contact me directly so that I can provide partial account number and copy of report showing ALL errors! 

One Main Financial, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX partial acct XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding the repeated failure of the credit bureaus to respond to or properly investigate my credit report disputes. For several months, I have been submitting disputes regarding inaccurate information on my credit report, and despite following all required steps, my disputes have been ignored. 

I have sent multiple dispute lettersboth by mail and onlineyet I have not received adequate responses, investigations, or updates within the legally required timeframe outlined under the Fair Credit Reporting Act ( FCRA ). The bureaus lack of action has caused ongoing harm, including inaccurate reporting, credit denials, and unnecessary stress. 

I am requesting that the CFPB intervene to ensure : 1. The credit bureaus review and investigate all of my submitted disputes.

2. Any inaccurate, unverifiable, or outdated information is promptly corrected or removed.

3. I receive proper communication and documentation of the investigation results, as required by law. 

I have attached copies of my dispute letters. Thank you for your attention to this matter. I respectfully ask for your assistance in ensuring my rights under the FCRA are upheld.

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 2025-11-18 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: CA

Complaint narrative:
I am filing a formal complaint regarding the repeated failure of the credit bureaus to respond to or properly investigate my credit report disputes. For several months, I have been submitting disputes regarding inaccurate information on my credit report, and despite following all required steps, my disputes have been ignored. 

I have sent multiple dispute lettersboth by mail and onlineyet I have not received adequate responses, investigations, or updates within the legally required timeframe outlined under the Fair Credit Reporting Act ( FCRA ). The bureaus lack of action has caused ongoing harm, including inaccurate reporting, credit denials, and unnecessary stress. 

I am requesting that the CFPB intervene to ensure : 1. The credit bureaus review and investigate all of my submitted disputes.

2. Any inaccurate, unverifiable, or outdated information is promptly corrected or removed.

3. I receive proper communication and documentation of the investigation results, as required by law. 

I have attached copies of my dispute letters. Thank you for your attention to this matter. I respectfully ask for your assistance in ensuring my rights under the FCRA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am writing to dispute the following accounts listed on my Experian credit report as inaccurate and incomplete. These accounts are showing derogatory information that I believe is incorrect, and I request a thorough investigation and correction of these discrepancies. 

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Ive joined citizens Bank three weeks ago when I deposited my settlement payment from a law suit which was over {$13000.00} my account was under review for two weeks and they ended up clearing my account and giving me access again. However, today my account went back under review again. I can not access my account and in order to do that I have to go to the bank, which is very inconvenient for me because I do not like going into banks and I do not like being around people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
I asked for verification and validation of a debt that keeps getting resold. None of the companies send me what I requested and only sell off to next company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-11-18 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX falsely claimed to the CFPB that they were unable to respond to my original complaint because the issues involved pending or prior litigation. I checked with my county XXXX XXXX XXXX  and confirmed that no litigation exists. XXXX used this statement to avoid providing required validation under the FDCPA. I am requesting that the CFPB require XXXX Funding to provide full debt validation as required by law. Their claim constitutes a misrepresentation and an improper attempt to avoid responding.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America. On XX/XX/XXXX there was a XXXX withdrawal made from my account that I did not make. I filed the claim and they did not investigate it properly. I just asked them to reinvestigate it and I'm hoping it goes differently. The last XXXX digits of the transaction are XXXX. Please help keep bank of America accountable. Also I received this reference # XXXX Date : XX/XX/year> Acct number # XXXX Refund for stop payment on cashier 's check number XXXX acct number XXXX co no : XXXX cost XXXX and the random number XXXX " This is your only copy. Please RETAIN THIS INFORMATION FOR USE IN RECONCILING YOUR ACCOUNT.

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