vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good Morning, Hi, I hope everything is going well. Regarding the accounts listed below, I'm writing this letter. That is showing up on my credit record, which is really hurting me. Persons stole my identity and got access to my information, which is why these accounts show up on my credit record. Being responsible for accounts that were started without my knowledge is not fair, and these accounts are really bothering me. 

Before you do anything else, please help me get my life back by looking into these fake accounts on my credit record and removing 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 explanation
Consumer complaint received 2025-10-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Good Morning, Hi, I hope everything is going well. Regarding the accounts listed below, I'm writing this letter. That is showing up on my credit record, which is really hurting me. Persons stole my identity and got access to my information, which is why these accounts show up on my credit record. Being responsible for accounts that were started without my knowledge is not fair, and these accounts are really bothering me. 

Before you do anything else, please help me get my life back by looking into these fake accounts on my credit record and removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-10 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: NV

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I paid off my car on XX/XX/year>. I was told by a representative that I would get my title and receipt for this last transaction. I never did get it from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
When talking to XXXX, the senior consumer analysis, who reached out about the account, i asked about the initial amount for the account which on report states a little over {$9000.00} but back in 2022 when the vehicle was sold it was {$8000.00}. She stated that there could be additional fees on the account, which I do not understand if the car is not in the possession of myself or the credit loan company. It also indicates on all three credit reports on each month that a repossession has occurred but there was only XXXX repossession which took place back in XXXX. The credit reports show several inaccuracies. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-10-10 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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

Complaint narrative:
The record incorrectly reflects late payments even though it was paid in full.

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 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The record incorrectly reflects late payments even though it was paid in full.

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 2025-10-10 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: TX

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost files was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OR

Complaint narrative:
Received a loan in the amount of {$1500.00}. Interest rate was not disclosed prior to signing agreements.

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

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, at XXXX XXXX  ET, I received an email from Chase Payment Support ( XXXX ) informing me that my account had been closed ( Case ID : XXXX ). The message stated that all remaining funds would be held for 120 days to ensure pending transactions are properly settled. 

Immediately after receiving the notice ( around XXXX XXXX  ET ), I called Chase to ask about this closure and the held funds. The representative placed me on hold to verify details and then confirmed that my funds would be released automatically by the next day ( Tuesday, XX/XX/XXXX ) and that no further action was needed from me. She stated that this note was added to my file. 

However, on XX/XX/year>, at XXXX XXXX ET, I called again and spoke with a representative named XXXX, who told me something completely different that no refunds could be issued and that I would have to tell my customers to file chargebacks through their own banks. 

These statements are contradictory and have caused unnecessary stress and financial harm. My funds remain frozen, and I have not received a written explanation, refund, or timeline for release. 

I am requesting the CFPBs help to have Chase : Clearly explain why my account was closed without notice. 

Release the held funds immediately. 

Provide consistent, accurate information about refund procedures. 

This situation has caused serious inconvenience and confusion, and I have not been able to access my own money since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I contacted Zelle support but have not received a satisfactory resolution. I am requesting an investigation into this transaction and assistance in recovering my funds if possible. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-10-10 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: CA

Complaint narrative:
This is a formal complaint being filed with the Consumer Financial Protection Bureau regarding serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by certain furnishers and credit reporting agencies. Despite multiple disputes and written requests for verification, the inaccurate and unverifiable information listed below continues to appear on my credit file. These violations have resulted in emotional distress, lowered credit scores, and loss of financial opportunities. I am requesting the CFPB to investigate these matters and enforce compliance with federal law. 

XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7100.00} Charge Off * * This account is being reported as a charge-off without any legal verification or proof of accuracy. FCRA 623 ( A ) ( 3 ) explicitly requires that disputed information be thoroughly investigated, and any unverifiable data be corrected or deleted. No documentation has been provided showing my authorization, contract, or payment records related to this account. The continued reporting after repeated disputes represents a willful violation of FCRA 616 and negligence under 607 ( B ). The failure to verify this information damages my credit reputation, and I am demanding its deletion due to lack of substantiation and failure of reinvestigation under federal law. 

I am submitting this complaint to the CFPB because these continued inaccuracies, charge-offs, false addresses, and unauthorized inquiries violate multiple sections of the FCRA and FDCPA. The reporting agencies and furnishers have failed to validate, correct, or remove the disputed information despite repeated requests, showing clear negligence and willful noncompliance. I respectfully request that the CFPB investigate each violation, compel the responsible parties to provide full documentation or remove unverifiable data, and ensure compliance with FCRA 616. I further request that corrective action be taken to restore my credit files accuracy and integrity and hold the violators accountable under federal law.

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this second complaint because Bank of America continues to violate Regulation E and misrepresent facts in writing regarding my debit card claims. 

I have two claims : one for approximately {$1500.00}, and another for {$14000.00}. The {$1500.00} claim was granted provisional credit, but the {$14000.00} claim was not, even though it falls under the same Regulation E protections. 

Several of the merchants involved have begun issuing refunds, totaling about {$6000.00}, yet the remaining balance has not been provisionally credited as required by law. Instead, Bank of America uploaded a letter falsely stating that since the merchant refunded and provisional credit was provided, the {$6000.00} will be debited back in 10 business days. This is completely false no provisional credit was ever granted for those transactions. This is yet another instance of Bank of America submitting inaccurate and misleading information to justify its ongoing noncompliance. 

I contacted the bank by phone, and even seven days later, representatives confirmed that the claim has still not been reviewed. One agent went as far as to state that the case is not a Regulation E claim because it was reopened, which makes no legal sense a reopened case stemming from a false denial does not exempt the bank from its Regulation E obligations.

Under 12 C.F.R. 1005.11, the bank is required to investigate promptly and provide provisional credit within 10 business days if the investigation can not be completed. Bank of America has repeatedly failed to meet this requirement, has provided false documentation, and has attempted to cover its errors with inconsistent and misleading letters.

At this point, I have been waiting weeks without resolution. I am requesting immediate regulatory intervention to compel Bank of America to comply with Regulation E, issue the remaining provisional credit without delay, and address the pattern of deception in their written correspondence. 

I am exhausted and financially burdened by their negligence. I expect swift action and full accountability.

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 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Hey I got my car 2 years ago in XXXX I had a XXXX credit score and they charged me {$50000.00} for a {$30000.00} car the loan with ally wont let me refinance. I was told this could be the dealership taking advantage of me. The apr is 14.5 % I want to know if I just got screwed because I was first time car buyer.

Company response to consumer: Closed with explanation