vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX went to M & T bank on XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX to deposit checks. I put 26 checks into the ATM it was depositing the checks when it returned 12 checks and then restarted. It said technical problem can not return your card. It also kept the other 14 checks which amounts totaled {$4300.00}. the machine restarted did not return my card and kept the checks. Contacted the branch and was told they do not service the ATM, contacted brinks and was told they can not speak to me because I am not a costumer of them.

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 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MN

Complaint narrative:
I recieved a credit XXXX XXXX XXXXXXXX us bank credit card and I did not apply for it. Concerned about fraud I called US bank who informed me that an application was submitted on XX/XX/year>. When I informed them that I did not apply for the card the customer service sent me to a supervisor who could give me more information. The supervisor told me that a US Bank Banker submitted the application and asked if I had requested it. I informed her that I had not spoken to a US bank banker in years. She submitted the account as 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 non-monetary relief
Consumer complaint received 2025-12-21 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: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for continued inaccurate credit reporting and failure to comply with federal law following my XXXX XXXX XXXX filing. 

I filed for XXXX XXXX XXXX protection on XX/XX/year>. XXXX was formally notified in writing and provided with my attorneys information. Despite this notice, XXXX has continued to report late payments occurring after the bankruptcy filing date on my credit reports. 

This reporting is inaccurate and misleading. Accounts included in an active XXXX XXXX XXXX should not reflect post-petition delinquencies. Continued adverse reporting after notice constitutes improper collection activity and undermines the protections of the automatic stay under 11 U.S.C. 362.

I have requested that XXXX correct its reporting to reflect Included in XXXX XXXX XXXX and remove all post-petition late payments. To date, this has not been corrected. 

I am requesting CFPB assistance to require Upgrade to : Correct all inaccurate credit reporting Remove any late payments reported after XX/XX/year> Update records to reflect XXXX XXXX XXXX status Cease any actions inconsistent with federal bankruptcy and credit reporting laws

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For some reason, everutime i try and open a checking account it gets denied or closed within a few days of opening. I have no idea why.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rozlin Financial Group, Inc.
State: IL

Complaint narrative:
The debt was a business debt but yet they still have it on my credit report the obligation for the contract was not through the debt collector. It was through the company so I feel I do not owe them. It was wrote off.they threatened that it would destroy my personal credit and now it has

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX BALANCE : {$1200.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XXXX XXXX XXXXXXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus. I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp, never had a live support to address issues with sending cash nor valid reason for account cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
Hello I am disputing this alleged debt and declining payment at this time. 
... 
It is unreasonable and improper to demand payment while allowing continued negative credit reporting without lawful validation or correction. 
Until you provide complete validation and a lawful basis for reporting, I will not make payment. 
This position is not a refusal to pay a valid debt ; it is an exercise of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$550000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX  XXXX * BALANCE : {$830.00}, XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX BALANCE : {$25.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$16000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are 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 2025-12-21 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: MD

Complaint narrative:
A collection account is being reported on my TransUnion credit report for an alleged XXXX XXXX obligation. The account is inaccurately labeled as Collection/Charge-off, which is improper for an insurance-related debt. The account lacks required reporting elements, including payment history, payment amount, payment terms, past-due amount, and account type, rendering the account incomplete and unverifiable. Despite this, the account is reported as derogatory and open, which misrepresents the nature and status of the alleged obligation. This violates the Fair Credit Reporting Acts accuracy and reasonable procedures requirements. I am requesting deletion of this account due to inaccurate and unverifiable 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 explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have been a long time Customer of XXXX synchrony bank as of XXXX. My balance was approximately {$1600.00}. I decided to pay off this credit card in full to have XXXX balance once I paid off this credit card they charged me interest. They said that it was a carryover from the previous month even though I had a XXXX balance I called them and they informed me that next month I will also have an interest payment due because of a carryover balance from XXXX or XXXX XXXX confused on why I would have interest charges on a XXXX balance they will not explain it to me or adjust it but moving forward I would just like to have a XXXX balance, which is what I paid. I have paid every single payment on time and havent charged any new credits to this card in a couple of years.

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 2025-12-21 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: OH

Complaint narrative:
happen to look at my credit report and notice i had fraudulent accounts and would like them remove thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I made an inquiry on behalf of my buisness with my buisness ein only i never authroized citizens bank to run my personal credit never gave them my social either. I need this inquiry removed my personal credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit card last four digits : XXXX Back in XXXX I opened Citi XXXX XXXX XXXX XXXX so I can make a balance transfer of {$3400.00} to my other credit cards and avoid further interest on those cards for the amount of {$3400.00}. 

First XXXX months ( XXXX ) I almost didnt use card ( ending XXXX ). In XXXX I started paying every Monday {$500.00} and were spending that money through the week. I repeatedly done that for XXXX, XXXX and XXXXalmost every week. 

On XXXX statement I see a balances like this : Balance transfer offer with no-interest : {$1800.00} Standard purchase with 26.49 % interest : {$1500.00} When you look at all my payments and purchases until XXXX statement I would end up with {$140.00} that I owns to my credit card in standard purchasing. But because every payment they put towards a balance with no interest ( Balance transfer ) I end up owing {$1500.00} in balance that occurs interest. 

I really think this is DECEIVING method because its not clearly defined how I will end up paying interest. 
I ask my self what is a purpose of balance transfer if not to save money on interest. They even charged me {$100.00} which I agreed but they were not enough and they found LEGAL DECEIVING METHOD to start charging me interest. 
Why they advertise double cash points when non of the payments didnt go through balance with interest instead they went to balance with no interest. 

I think I was DECEIVED and they used my situation of me trying to get out of debt by forcing me to more debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I received an update to my credit report that a collection had been added to my account. When I checked my credit report, Jefferson had added a debt with no information. I also did not receive any written, verbal, or electronic notice about a debt in my name or that my credit would be impacted. I also did not receive any validation of debt or original loan docs from Jefferson. I disputed through XXXX and the next day I received an update. Jefferson said this was for a debt from XXXX. 
Today, XX/XX/year>, I received a statement from XXXX for my loan and to make my loan payments. My account is still active at XXXX and they are trying to collect the debt at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
Dear Sir/ Madam, Subject : Urgent Escalation Required Card Blocked Without Notice and Unresolved for Over a Week My card ending in XXXX was blocked without any prior notification. I contacted XXXX customer support on XX/XX/year>, and was asked to provide confidential identification documents, which I submitted the same day. Since then, I have been asked twice for additional information, both of which I provided promptly. 
Despite this, the issue remains unresolved. On XX/XX/XXXX, I was informed that my card had been unblocked ; however, the card is still not functional. I have spent multiple hours with customer support attempting to resolve this, but I continue to receive inconsistent information and no meaningful progress has been made. 

This situation has caused significant inconvenience, and the lack of clarity and repeated delays are unacceptable. Additionally, the card is set to expire at the end of this month, and I am currently unable to request or receive a replacement due to the ongoing block. 

I am requesting immediate escalation to your good self to ask XXXX XXXX  to provide, the below, 1 ) Provide a clear explanation for the continued block, 2 ) Unblock or replace the card without further delay 3 ) Issue and expedite a replacement card, given the imminent expiration 4 ) Confirm the expected resolution timeline in writing Given the duration of this issue and the impact on my ability to use my account, I request that this matter be treated with urgency, and I am issued a compensation for all the hardship and the harassment I have faced with the XXXX team. 

Thank you for your prompt attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation