vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: IN

Complaint narrative:
I have been attempting to close my account with this financial services company for over a month without success due to systematic obstacles they have created. On XX/XX/year>, their automated XXXX XXXX feature initiated a deposit into my investing account. As of XX/XX/year>, XXXX days later, this deposit remains in processing status and can not be withdrawn. The company is using this prolonged processing period to prevent me from closing my account, claiming the account can not be closed while funds are processing. 
The company 's platform requires account closure to cancel subscriptions. Despite my repeated attempts over more than a month to close my account and cancel my subscription, their processing delays have made this impossible. On XX/XX/year>, while I was actively being prevented from closing my account, the company charged me XXXX dollars and XXXX cents for a subscription I had been attempting to cancel for over a month. This charge was only possible because their own processing delays prevented me from completing the account closure process. 
The XXXX XXXX feature has made multiple unauthorized withdrawals from my connected bank accounts without obtaining proper authorization for each individual automated transfer. These transactions were executed by their automated systems without my explicit consent for each withdrawal. 
A routine internal transfer that the company itself initiated and controls has been allowed to remain in processing status for over XXXX days with no reasonable explanation. This appears designed to create barriers to account closure. The processing delay has directly enabled the company to extract an additional subscription fee from a customer actively attempting to terminate services. 
I have made numerous attempts to resolve this through customer service without success. The company has provided no mechanism to override this delay to allow account closure despite my repeated requests.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MT

Complaint narrative:
Hello I called Radius Global Solutions to pay off a debt I owed on XX/XX/year>, which they only had about 2 months, I paid off the debt and was told it would be taken off my credit report within 30 days. They are now saying they do not remove from credit report. I need this removed from all 3 credit bureaus as soon as possible as its effecting my loans

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 2025-10-08 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: PA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$57.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} MEMBERS XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7600.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00}

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 2025-10-08 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: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX  XXXX Account Number XXXX Balance : {$470.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

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 2025-10-08 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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NY

Complaint narrative:
I am dealing with multiple serious errors on my credit reports that the credit bureaus refuse to fix despite my disputes. 

EXPERIAN PROBLEMS : XXXX XXXX XXXX XXXX XXXXXXXX : Experian shows XXXX different XXXX XXXX XXXXXXXX accounts that only list " XXXX  '' as account numbers. All are marked as charge-offs from XXXX. These don't appear on my Equifax or TransUnion reports at all. If there are no real account numbers, how can these possibly be verified as mine? 

XXXX Account Mismatch : Experian shows XXXX account # XXXX while Equifax and TransUnion show # XXXX for what should be the same account. 

XXXX Account Errors : XXXX account # XXXX is reporting inaccurately on my Experian report. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX account # XXXX from XXXX contains incorrect information. 

EQUIFAX PROBLEMS : XXXX XXXX XXXXXXXX Reporting : Equifax  shows XXXX XXXX XXXXXXXX account # XXXX with conflicting status information. 

XXXX XXXX XXXX : Equifax shows XXXX account # XXXX which doesn't match Experian 's number for the same account. 

WHY THIS IS WRONG : The credit bureaus are required by law ( FCRA 1681e ( b ) ) to maintain accurate information and to properly investigate disputes ( FCRA 1681i ). 

Having multiple XXXX XXXX XXXXXXXX accounts with " XXXX '' as account numbers proves Experian isn't following basic accuracy procedures. The different XXXX account numbers across bureaus shows none of them have verified the actual account information. 

Courts have ruled against credit bureaus in similar situations. In XXXX XXXX XXXX  ( XXXX ), the court found Experian failed to properly handle mixed file situations. The CFPB took action against Experian in XXXX for accuracy violations. For Equifax, the XXXX v. Equifax case ( XXXX ) involved similar cross-bureau inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am dealing with multiple serious errors on my credit reports that the credit bureaus refuse to fix despite my disputes. 

EXPERIAN PROBLEMS : XXXX XXXX XXXX XXXX XXXXXXXX : Experian shows XXXX different XXXX XXXX XXXXXXXX accounts that only list " XXXX  '' as account numbers. All are marked as charge-offs from XXXX. These don't appear on my Equifax or TransUnion reports at all. If there are no real account numbers, how can these possibly be verified as mine? 

XXXX Account Mismatch : Experian shows XXXX account # XXXX while Equifax and TransUnion show # XXXX for what should be the same account. 

XXXX Account Errors : XXXX account # XXXX is reporting inaccurately on my Experian report. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX account # XXXX from XXXX contains incorrect information. 

EQUIFAX PROBLEMS : XXXX XXXX XXXXXXXX Reporting : Equifax  shows XXXX XXXX XXXXXXXX account # XXXX with conflicting status information. 

XXXX XXXX XXXX : Equifax shows XXXX account # XXXX which doesn't match Experian 's number for the same account. 

WHY THIS IS WRONG : The credit bureaus are required by law ( FCRA 1681e ( b ) ) to maintain accurate information and to properly investigate disputes ( FCRA 1681i ). 

Having multiple XXXX XXXX XXXXXXXX accounts with " XXXX '' as account numbers proves Experian isn't following basic accuracy procedures. The different XXXX account numbers across bureaus shows none of them have verified the actual account information. 

Courts have ruled against credit bureaus in similar situations. In XXXX XXXX XXXX  ( XXXX ), the court found Experian failed to properly handle mixed file situations. The CFPB took action against Experian in XXXX for accuracy violations. For Equifax, the XXXX v. Equifax case ( XXXX ) involved similar cross-bureau inaccuracies.

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 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
MONTEREY COLLECTION Sis falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREY COLLECTION Sis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IA

Complaint narrative:
I have never made any attempt to pay late payments the file i am attaching shows i have made payments i did not authorize. The first payment was to set up, but if I had already missed a few monthly payments i would have closed the account myself. This information is incorrect and i would like this moved off my credit report due to false and unauthorized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year>, I attempted to log into my XXXX credit card account, only to find my login and password were incorrect. I called XXXX and was asked a number of security questions to prove my identity. XXXX stated my information was incorrect and I needed to be verified, by mailing me an authorization code. I still do not have access to my XXXX account and I am working on this issue separately. However, this has led to the fraudster taking over of my Experian account. 

Since the fraudster has my DOB, SS #, and address, they were able to access my Experian Account using my credit, in an attempt to gain a loan. Once I obtained a copy of my Experian report, I contacted Experian ( via mail ) of all the credit inaccuracies which needed to be deleted. They obliged my request, but DELETED MY PHONE number. The result ; I am LOCKED OUT of my account. I am now being told there is an PIN # on my account.... nothing I placed. 

I have contacted Experian three times in the past 10-months and have had no response.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Unauthorized Transaction & Improper Overdraft Coverage Ally Bank What happened : I authorized a single {$84.00} transaction via XXXX on XXXX XXXX. Shortly afterward, an unauthorized charge from XXXX appeared on my Ally Bank account. I did not authorize the XXXX transaction and I have never opted in to Ally Banks overdraft coverage program. 

Despite this, Ally allowed the XXXX charge to go through, creating a negative balance. A few days later, I received a letter from Ally stating that they covered my overdraft as a courtesy. This action was not authorized by me and directly caused financial hardship. 

Why this is a problem : By allowing an unauthorized transaction to post and covering it under a courtesy overdraft, Ally violated my consumer protections under Regulation E ( 12 CFR 1005.6 ) and overdraft opt-in rules ( 12 CFR 1005.17 ). Regulation E requires banks to issue provisional credit for unauthorized transactions within 10 business days, and overdraft services may only be applied if the consumer explicitly opts in which I did not.

What Im requesting : 1. Immediate provisional credit for the unauthorized XXXX charge. 
2. Reversal of any overdraft fees or negative balances caused by this error.

3. Written confirmation that no further courtesy overdrafts will be applied without my explicit opt-in.

Supporting details : I can provide documentation of the unauthorized XXXX charge, the Ally courtesy overdraft letter, and account records showing I did not opt in to overdraft coverage. 

Desired outcome : Restoration of all funds, provisional credit under Regulation E, removal of all overdraft charges, and written assurance that Ally will correct this error and prevent future unauthorized overdrafts.

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 2025-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : ED Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  CFPB Subject : Formal Fraud Dispute Removal of Unauthorized ED Financial Student Loans and Hard Inquiries Dear ED Financial and Consumer Reporting Agencies, I am writing to dispute and demand the removal of several fraudulent student loan accounts and unauthorized hard inquiries that have been reported under my name without my consent. I am the victim of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX during which my personal information was stolen and used to open unauthorized accounts and initiate credit inquiries. 
Fraudulent ED Financial Student Loans to Be Deleted : ED Financial Account # XXXX Balance : {$1800.00} Opened : XX/XX/XXXX ED Financial Account # XXXX Closed : XX/XX/XXXX Balance : {$0.00} ED Financial Account # XXXX Balance : {$3200.00} Opened : XX/XX/XXXX ED Financial Account # XXXX Balance : {$2700.00} Opened : XX/XX/XXXX I did not apply for, authorize, or receive any of these student loans from ED Financial Services. They are the direct result of identity theft and must be removed from my credit file immediately. 
Unauthorized Hard Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not provide consent or application for these inquiries. They appeared following the XXXX breach and are fraudulent. Please have all of these hard inquiries permanently deleted under the Fair Credit Reporting Act ( FCRA 605B ). 
Under federal law, I am requesting : The immediate blocking, deletion, and suppression of all fraudulent accounts and inquiries. 
Written confirmation within four ( 4 ) business days of receipt that these items have been removed from my credit report.

Cessation of any reporting or collection activities related to these accounts.

Thank you for your immediate attention and compliance with the FCRA. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation