vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I made a payment of {$140.00} toward my XXXX  interest-free purchase balance. This payment would have completely paid off my account approximately XXXX weeks early. 

XXXX days later, I noticed the funds had not been withdrawn from my bank account. When I logged in to the credit card companys website, I discovered that the payment had not gone through. I immediately submitted the payment again that same day. 

The company claimed the payment returned by my bank and they assessed a {$30.00} returned check fee. This explanation makes no sense. They sent an email confirmation XXXX DAYS AFTER submitting my payment stating " This is confirmation that your payment toward your XXXX Credit Card has been processed ''. How could that be true if the banking information was incorrect? The only way for them to process a payment is to have valid banking information. And if they processed the payment with my bank, the only way they could assess a fee would be if I did not have enough funds in my account to cover the {$140.00} payment, which is provably false. 

I believe this fee was assessed unfairly and possibly in bad faith. It is concerning that this occurred on the very payment that would have closed my account early and eliminated any deferred interest. I also find it problematic that this {$30.00} charge could easily have gone unnoticed, resulting in a delinquency or additional penalties. 

I contacted the company twice requesting that they review and remove the fee, but they refused. I am seeking a full refund of the {$30.00} charge and confirmation that my account will be reported as fully paid with no negative marks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have an account with XXXX that I do not receive bills just a statement saying I owe money. I have called numerous times asking for access to my online account and XXXX will not give it to me. Now, it is reported it is late for XXXX ( this is XX/XX/XXXX and I made the payment in XXXX for the late amount and sent the copy to XXXX  ). 
This has happened numerous times before via XXXX. I do not know the fees or what is being charged. 

I would like this to be removed from my credit and I would like access to my XXXX  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 non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to file a formal complaint against Fifth Third Bank for its failure to adhere to federally mandated Know Your Customer ( KYC ) and anti-fraud obligations, resulting in a financial loss of {$15000.00} due to a scam. 

On XX/XX/year>, I made an unusually large withdrawal of {$15000.00} from my account ending in XXXX at your XXXX, MI branch ( XXXX XXXX XXXX, XXXX MI ). This transaction was uncharacteristic of my normal banking activity, yet no meaningful verification, questioning, or enhanced due diligence was performed by your staff prior to processing the transaction. 

At the time, I was acting under fraudulent influence and clear financial coercion, which has since been reported to law enforcement ( XXXX XXXX  XXXX  and FBI XXXX ). A reasonable review under Fifth Third Banks own XXXX  or suspicious-activity protocols including customer profiling, behavioral indicators, or transaction history checks should have triggered additional verification or a temporary hold pending confirmation of legitimacy. 

The banks failure to follow these internal and regulatory safeguards directly enabled this fraud. This constitutes a breach of the banks duty of care and failure to act in accordance with the Bank Secrecy Act, the XXXX XXXX XXXX ( Section XXXX ), and industry standards for identifying and mitigating suspicious transactions. 

Requested Actions XXXX. XXXX a full internal review of how this transaction was approved and whether required due diligence procedures were followed. 
XXXX. Provide a written explanation of the findings, including copies of any internal alerts or compliance notes generated. 
XXXX. Compensate me for the {$15000.00} financial loss resulting from this failure to act on an obviously uncharacteristic and high-risk transaction. 
XXXX. Provide confirmation that this event has been reported to your BSA XXXX and, if appropriate, XXXX via a Suspicious Activity Report ( XXXX ). 
Supporting Documentation Copy of the withdrawal receipt and account statement Copy of law-enforcement or fraud report Any communications I had with Fifth Third Bank personnel at the time of the withdrawal I am also submitting this complaint to the Consumer Financial Protection Bureau XXXX CFPB ) and the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) for independent review. 

I expect a written response within XXXX  days, as required by federal complaint-handling standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: OR

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax blocks information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. These accounts are a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX for {$31.00}. XXXX  XXXX opened on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$690.00}. XXXX XXXX  opened XX/XX/XXXX for {$29.00}. XXXX opened XX/XX/XXXX for {$510.00}. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 you have 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 XXXX you an additional XXXX  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 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 you have 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 XXXX you an additional XXXX  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 2025-11-12 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: MO

Complaint narrative:
I am filing this formal complaint because my consumer credit report contains materially inaccurate information and the credit bureau has failed to correct or properly investigate the errors. The inaccurate reporting is causing and continues to cause concrete harm to my creditworthiness, housing and employment prospects, and financial standing. 

I've contacted Experian and Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Requesting this inaccurate information be removed from my credit report. The creditors even notified them to remove it and the accounts remains on my credit report. Causing a great deal of stress. 

Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXreditor unable to verify this alleged debt belongs to me Account # XXXX XXXX XXXX XXXX XXXX creditor unable to verify this alleged debt is mine Date first reported to bureau : XX/XX/XXXX Bureaus reporting : Equifax and Experian 15 U.S.C. 1681i On notice of dispute the consumer reporting agency must conduct a reasonable reinvestigation within 30 days and correct or delete inaccurate information. I have disputed these accounts on the above reference dates and demanded reinvestigation ; the response was inadequate/unsupported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you have 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 2025-11-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you have 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 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: VA

Complaint narrative:
I applied for a XXXX XXXX personal loan. I received an adverse action notice stating my application was denied because the company was unable to verify identity. I was not given specific, actionable reasons or the steps to complete verification. 

Under Regulation B ( ECOA ), creditors must provide timely notice and specific reasons for adverse action ( 12 CFR 1002.9 ). If any consumer report information was used, the FCRA requires an adverse action notice identifying the consumer reporting agency and my rights ( 15 U.S.C. 1681m ). I am willing to provide any documents needed ( government ID, SSN, proof of address ) and requested manual review, but I have not been given clear instructions. 

Please have XXXX XXXX either XXXX XXXX ) complete a manual identity verification review; or ( XXXX ) provide a compliant adverse action notice with specific reasons and any CRA ( XXXX ) used. If identity can not be verified and no credit decision can be made, please remove any hard inquiry from my credit reports. I contacted support but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I opened a XXXX XXXX card with a XXXX XXXX rate for XXXX billing cycles. For some reason, my account had a central billing account that made it very difficult to figure out how much to pay or how to pay since the amount due always showed as {$0.00} and there was no way to pay the card from my account. Customer service switched my billing after several failed attempts on XX/XX/year>. This process took several phone calls because the switch never happened as promised. At this time, the XXXX XXXX  promotion has erroneously been removed from the account, I suspect as a result of this billing change. I called about it in XXXX and the interested was reversed and I was told that the problem had been fixed. I just logged into my account and see that I was again, charged interest in XXXX so the problem has not been fixed. I would like this problem fixed 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

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 2025-11-12 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 2025-11-12 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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