vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: AR

Complaint narrative:
Open account on XX/XX/XXXX with CIT BANK a division of first citizens bank & trust company. Transferred an amount to checkings account. That amount was made available on XXXX. The account was put on review on XXXX. Customer service says review or investigation. Spoke with supervisor on XXXX. He said the fraud department has to contact you within XXXX hours. He sent email for them to contact me. No response. I called back XXXX explaining XXXX XXXX and want access to my money and would close account. She sent email to fraud and made a complaint to complaint department. XX/XX/XXXX still no email or call about my account or why my account is under review. Called and spoke to supervisor. She said she will send an urgent email about my account and agreed it wasnt good customer service. End of day today still no call or email about why my checking account with funds becoming available on XXXX are not available since XXXX. They rejected a transfer to my other account on XXXX. I only called because of the text message of not able to transfer money. Never received anything saying account under review or under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a used car on finance in XX/XX/year> with a {$750.00} maintenance service. 
I asked to cancel it the next day because it was too expensive, but I still havent received the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit. 
This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

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 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to follow up regarding the matter of midland credit Management XXXX respectfully dispute the validity of the alleged debt. I believe i am a victim of identity theft and did not authorized or incur the charges in XXXXestion.The Bank statement submitted by Midland credit management Inc. under my name includes an address that does not belong to me and has never been associated with me.

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

Complaint narrative:
I submitting this complaints to find several pieces of information that are inaccurate and do not reflect my true financial history. As someone who has always taken responsibility for my obligations, it is deeply concerning to see errors that could negatively affect my creditworthiness. 
Specifically, XXXX addresses listed XXXX Washington, XXXX, MA XXXX and XXXX XXXX, XXXX, MA XXXX have never been associated with me. The Fair Credit Reporting Act ( FCRA ) clearly establishes my right to accurate reporting under 602 Congressional Findings and Purpose, which emphasizes that consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. 
Specifically, my report reflects inquiries from XXXX XXXX XXXX dated XX/XX/year> and XX/XX/year>, neither of which I authorized. These inquiries have no connection to any financial activity I initiated and constitute inaccurate reporting. The Fair Credit Reporting Act ( FCRA ) clearly establishes my right to accurate reporting under 602 Congressional Findings and Purpose, which emphasizes that consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. 
Additionally, my report lists a charge-off with XXXX XXXX, account XXXX * * * * * * * *, with a balance of {$1100.00}. I dispute this account as inaccurately reported and request that it be addressed under 611 ( 15 U.S.C 1681i ) Procedure in Case of Disputed Accuracy, which requires credit reporting agencies to investigate disputed items and remove any errors promptly. Furthermore, I request that this account be reviewed under IRS Form XXXX to ensure accurate reporting for cancellation-of-debt purposes.

Under 623 ( a ) ( 2 ) Duty of Furnishers to Correct and Update Information, I am exercising my rights to require the furnishing creditor to verify and remove any inaccurate information reported. Additionally, under 623 ( b ) Duty to Investigate, the creditor is obligated to conduct a reasonable investigation of the disputed information and report the results back to the credit bureau.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank sent me a letter to notify me to close my checking account effective on XX/XX/year>. I have been using this bank account over XXXX  years. i called on XX/XX/year> citibank try to keep this account open. but i was told this account will be closed

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This number calls everyday after XXXX and after XXXX

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

Complaint narrative:
I am submitting this follow-up regarding numerous inaccuracies that continue to appear on my credit report. Despite my previous dispute submission, many of the items remain unresolved, inaccurately reported, or unverifiable. These continued errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 
XXXX  XXXX XXXX XXXX : {$360.00} This follow-up is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request a comprehensive and immediate reinvestigation of all disputed items. Each entry should be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of 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 2025-11-11 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: TX

Complaint narrative:
I am filing this complaint because the Office of the Attorney General is reporting child support information to multiple credit bureaus, and none of the information is consistent or verified. The same account number ( XXXX ) shows two completely different balances {$20000.00} on Equifax and {$18000.00} on Experian.

First of all, how did you even obtain this information? I have never received any documentation from the Attorney Generals office, Equifax, or Experian verifying where this data came from, how it was validated, or who furnished it. There has been no due process, no documentation, and no verification.

Reporting two different balances for the same account number is factually inaccurate and a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and XXXX 2 4.2.2, which require all data to be accurate, complete, and consistent across bureaus. 
This is a factual dispute and a compliance failure. Both bureaus are publishing and distributing false data that was never validated. No proof of balance, ownership, or court documentation has ever been provided, and I have already submitted written requests under FCRA 611 ( a ) and FDCPA 809 ( b ) ignored every time.

On top of that, I question how the Attorney Generals office is legally transmitting this data to private credit reporting agencies in the first place. Child support is restricted and must come directly from official court records, not third-party furnishers. None of that has been validated here.

This type of negligent and conflicting reporting is damaging my credit and violating my rights. Its not just inaccurate its illegal.

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Americas Car-Mart, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, the vehicle I purchased from America 's Car-Mart experienced a catastrophic engine failure. That day, the General Manager verbally agreed to defer my loan payment due XX/XX/XXXX. He did not mention any requirement for signed paperwork. 

I documented this agreement in an email to him the same day. He did not respond. 

On XX/XX/XXXX, I emailed again after a representative called about the " missed '' payment, noting the deferment was not reflected in my account. I received no response. 

On XX/XX/XXXX, I logged in to find a {$15.00} late fee and a new {$280.00} payment due, totaling {$580.00}. I paid {$300.00} to cover the current payment and the invalid fee, resulting in a {$15.00} overpayment. 

The company continues to demand a double payment for XXXX and refuses to honor the original deferment agreement or correct the invalid fee unless I sign new paperwork, which was never a condition of the original agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I deposited a legitimate check from XXXX XXXX on XX/XX/25 in person at Bank of America. The funds posted to my account XX/XX/25. Furthermore the only written proof Bank of America shared was that given the large amount, funds would be deposited XX/XX/25. 

As of today XX/XX/25 the funds have been removed from my account. I need the funds immediately for a financial transaction and the bank has possession of them and is not paying interest. 

I spoke with no less than XXXX different associates in departments ranging from personal savings account customer service to crossover department, not a single XXXX of the representatives provided any written evidence of funds. They each provided a different date that the funds would be available verbally and refused to put it into writing. From the banks earlier letter, funds would be available XX/XX/25 and they are not. This is fraud. 

In summary, Bank of America has illegally held funds & violated their own policies on release of funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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 submitting this complaints to formally dispute several inaccuracies on my credit report that have caused significant confusion and concern. As a responsible consumer, I have always taken my financial obligations seriously, yet my report reflects information that is not only incorrect but potentially harmful to my creditworthiness.I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 602 ( Congressional Findings and Purpose ), 605 ( a ) ( Obligation to Ensure Accurate Reporting ), 611 ( Procedure for Disputes ), and 623 ( a ) ( 2 ) ( Duty of Furnishers to remove and Update Information ). 
First, my address is being inaccurately reported as XXXX XXXX XXXX, XXXX, CA XXXX. This is incorrect ; my current and correct address is XXXX XXXX XXXX, XXXX, CA XXXX. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute and require verification of all information reported. I request that this inaccuracy be investigated and remove immediately. 
Additionally, I am disputing multiple accounts reported as charged-off : XXXX XXXX, Balance : {$0.00} XXXX XXXX XXXX, Balance : {$0.00} For these accounts, I request that you apply FCRA 623 ( b ), which mandates that furnishers have a duty to investigate and correct any inaccurate or unverifiable information. Reporting XXXX balances as charged-off without proper context misrepresents my credit history and can negatively impact my financial opportunities. 
Furthermore, there are accounts with outstanding balances that have been charged-off and should be addressed under FCRA 605 ( a ) and internal IRS guidance regarding XXXX cancellation of debt : XXXX/XXXX  XXXX, Balance : {$590.00} XXXX BANK XXXX XXXX, Balance : {$4500.00} These accounts should be accurately reported, reflecting any cancellation of debt if applicable, as required by law. The reporting of these balances as charged-off without consideration of debt forgiveness documentation violates my rights under 605 ( a ) and 623 ( a ) ( 2 ) of the 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
I am submitting this complaint regarding the poor and unprofessional treatment I received from Discover XXXX customer service and dispute department. My experience with them has been extremely frustrating, and I believe my issue was mishandled in violation of fair I contacted Discover concerning a the appeal of a disputed charge on my account. However, instead of resolving the matter, Discover re-added the charge to my account without any written explanation or notice of decision. 

When I called to inquire about the situation, I was met with rude and disrespectful representatives who offered no help or clarification. Their tone and conduct were unprofessional and dismissive. I was essentially told nothing could be done, despite having followed all required steps and returned all requested forms. 

At this point, I have received no documentation or reasonable explanation for the reinstated charge. The experience has been both stressful and unfair. I am now forced to pay the balance to prevent further late fees, but I strongly object to how Discover handled this matter and the way I was treated. 

I am requesting that your office : XXXX. Investigate Discovers conduct and review their handling of my dispute and customer interactions. 
XXXX. Ensure I receive a written explanation for the re-added charge. 
XXXX. Confirm that Discovers employees are held accountable for their rude and unprofessional behavior toward customers. 

Thank you for your attention to this matter. I appreciate your help in holding Discover accountable for how they treat consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
Statement of Facts XXXX. The undersigned, XXXX : XXXX, acting as Executor and Natural Person for the private estate, maintains accounts with KeyBank N.A. ( XXXX, NY ). 


XXXX. A lawful request was submitted for reclassification of the existing deposit relationship to reflect creditor standing consistent with GAAP liability recognition ( ASC 405, FASB Concept Statement 6 35 ) and the Law Merchant principle that a deposit constitutes a loan to the bank. 


XXXX. Despite documented submission of instructions and supporting identification, KeyBank staff and managers have delayed updating the record, refusing to acknowledge the estates creditor position or issue a fiduciary accounting under UCC 9-210 ( Request for Accounting ). 


XXXX. This delay obstructs accurate financial reporting and breaches fiduciary and good-faith duties imposed under UCC 1-304 and Regulation F ( FDIC 12 C.F.R. part 360 ). 


XXXX. The natural persons papers and records are constitutionally protected under the XXXX and XXXX Amendments ; any unwarranted use or retention of these papers without due process constitutes an unlawful taking and conversion. 




-- - Demand for Action Accordingly, the undersigned hereby demands : XXXX. Immediate acknowledgment by XXXX XXXX, Branch Manager and Responsible Trustee-Agent, that the account is under review for proper classification as a creditor instrument consistent with GAAP and XXXX standards XXXX 


XXXX. Written confirmation from KeyBanks Corporate Trustee XXXX XXXX XXXX XXXX XXXX XXXX ) or the General Counsel of KeyCorp that all fiduciary records have been audited for timeliness and compliance. 


XXXX. Delivery of a complete accounting within three ( 3 ) business days showing all ledger entries, journal transfers, and any off-balance-sheet positions associated with the estate account. 


XXXX. Written assurance that no further delays will occur and that KeyBank will maintain records in accordance with FASB ASC 205-10 ( Presentation of Financial Statements ) and GAAP faithful-representation principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am with Bank of America, I tried to use an atm and the atm said that my bank didnt approve the transaction and it canceled, it took {$150.00} dollars out of my account, tried to get my bank to credit the money. But they said I have to wait, money has yet to been, credited to me. My bank usually temporarily credits me the money during investigation but they refused. I filed claim there has yet to be a resutiom, credit, or temporary credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
1. Continuous refusal to verify with the original source For over a year, I have been disputing a bankruptcy that LexisNexis continues to report in my personal file.

I have repeatedly requested that they verify this information directly with the court, as required by FCRA 1681i ( a ).

LexisNexis refuses to do so and continues to respond that they verified the information through XXXX, which is NOT proper verification with the original source. 
XXXX  does not replace the legal obligation to contact the court that maintains the record. 
XXXX is known to contain frequent inaccuracies, and the FCRA requires that a CRA : conduct a reasonable and complete investigation, which they clearly have not done. 
2. Inadequate investigation and repeated generic responses Despite multiple disputes, LexisNexis has : Failed to conduct a meaningful investigation Failed to contact the court directly Repeated the same generic responses Failed to provide any real proof that they verified the information This clearly shows they did not perform a reasonable investigation, violating multiple sections of the FCRA.

3. Direct harm to my credit and financial life This inaccurate bankruptcy reporting has : Damaged my credit Affected my ability to obtain credit Prolonged the situation unnecessarily for over a year This is unacceptable and has caused significant financial harm.

4. Ongoing illegal practices by LexisNexis LexisNexis continues to : Refuse to verify directly with the court Refuse to provide documentation Refuse to correct inaccurate information These actions constitute abusive, negligent, and illegal practices, affecting not only me but many consumers nationwide.

Company response to consumer: Closed with explanation