vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Sunday, XX/XX/year> I received a text from my bank regarding authorization on a transaction for the amount of {$170.00} my reply was NO. There after XXXX more fraud transactions came through my checking account from out of state XXXX Tennessee. The total of transactions were over {$10000.00}. Fifth Third Bank authorized the transactions without my consent. 
My account is now put on a block/hold due to investigation. I do not understand why these fraud unauthorized transactions were processed after replying to Fifth Third Bank text. I callled the fraud department and told them not to have the bank processed transactions but they did and my account is all XXXX up. That is negligence bank service!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$240.00} Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$870.00} Account Name : DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$800.00} Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
CFPB Complaint Strong Version Complaint Summary for CFPB Portal I am extremely frustrated and disappointed with PennyMac Loan Services regarding my mortgage account # XXXX for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. My mortgage was transferred from XXXX XXXX XXXX, and my escrow account included homeowners insurance, which I paid in full and on time. 

Despite this, PennyMac completely failed to pay my homeowners insurance premium. The insurance company confirmed that invoices were being sent, but PennyMac claims they never received them. At no point did PennyMac provide any written notice that there was a problem with making the payment. I only learned after my insurance policy had already lapsed, which is unacceptable and has put my home and finances at serious risk. 

Under federal law ( RESPA, 12 U.S.C. 2605 and Regulation X, 12 C.F.R. 1024.37 ( c ) ), servicers are required to : Notify borrowers in writing of any escrow payment issues, including the insurance company name, the reason for non-payment, consequences of inaction, and instructions for resolution.

Send this notice before the policy expires so the borrower can act to prevent a lapse.

PennyMac failed to follow these legal requirements, and as a result, I now face the possibility of higher insurance premiums and difficulty obtaining replacement coverage.

I demand that PennyMac : Immediately correct my escrow account. 

Pay any increased insurance premiums caused by their failure. 

Confirm that my property is fully insured going forward. 

This negligence is unacceptable, and I expect your office to investigate PennyMacs actions and hold them accountable for the financial harm they have caused. 

Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Borrower : XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I am writing to file a formal complaint about the ongoing and unexplained restriction of my Charles Schwab account. 
XX/XX/XXXX : I contacted Schwab and was told my account was restricted without any explanation. 
XX/XX/XXXX : I called the Fraud Department and was informed that certain transactions needed to be verified. I verified those transactions and was told my account would be unrestricted by the end of the day. 
Later that same day, when I attempted to sign in, I discovered my account was suspended instead, with no reason provided. I called again and was told I needed to provide funding, which I did the same day. 
XX/XX/XXXX : I received an email stating that a review was in progress and would take XXXX days. 
As of XX/XX/XXXX : I have called multiple times for updates, but no one has explained why my account remains inaccessible. 

This situation has caused significant inconvenience and financial uncertainty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
NOTICE OF FRAUDULENT ACCOUNT DEMAND FOR IMMEDIATE REMOVAL AND BLOCKING UNDER FEDERAL LAW This letter serves as my formal and lawful demand for the immediate removal, permanent blocking, and deletion of the fraudulent account listed as : XXXX XXXX XXXX Original Creditor : XXXX Account Number : XXXX Original Balance : {$2200.00} Date Opened : XX/XX/year> I did not authorize, apply for, open, or enter into any agreement related to this account. It is being fraudulently reported and is causing irreparable harm to my creditworthiness, financial standing, and legal rights. 

I am invoking my rights under federal and state consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 Requires a credit reporting agency to block and remove any information that the consumer identifies as resulting from identity theft or fraud within XXXX business days after receiving a proper request. 

FCRA 611 ( 15 U.S.C. 1681i ) Mandates that all disputed information must be reinvestigated within 30 days, and if the furnisher can not verify with documented evidence that the account is valid and lawfully authorized, it must be deleted immediately.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers of information from reporting information they know or should know is inaccurate or fraudulent. Failure to comply constitutes a willful violation subject to legal action.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Explicitly mandates the blocking of information resulting from identity theft or fraud. You are legally required to cease reporting and block this account.

Uniform Commercial Code ( UCC ) 1-308 I reserve all rights without prejudice and do not waive any rights, privileges, or remedies under law by sending this notice.

UCC 3-501 Demands strict verification and presentment of any claim. If you can not produce a wet-ink signed contract bearing my signature and full agreement to the debt, your reporting is unlawful and constitutes fraudulent misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TU

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 2025-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Look at XXXX They clearly did not respond to me query and yet you closed the complaint. 

Why, when I pay in advance are they not crediting my payment against the loan balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and unauthorized inquiries have appeared on my credit report without my knowledge or consent. I did not apply for, authorize, or benefit from these accounts or inquiries. 

Fraudulent Accounts Identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identified : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis ( FCRA Violations ) : 604 [ 15 U.S.C. 1681b ] : Inquiries require a permissible purpose. These inquiries were unauthorized and therefore unlawful.

605B [ 15 U.S.C. 1681c-2 ] : As an identity theft victim, I have the right to block fraudulent information, including accounts and inquiries. The credit bureaus must block these within 4 business days of notice.

611 [ 15 U.S.C. 1681i ] : Any disputed, inaccurate, or unverifiable information must be deleted after reinvestigation.

616617 [ 15 U.S.C. 1681n1681o ] : Noncompliance subjects bureaus and furnishers to liability for actual damages, statutory damages of up to {$1000.00} per violation/item, punitive damages, and attorneys fees.

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 2025-09-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX & XXXX - Account XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America EDD, fraudulent charges. That I did not authorize and the claim is taking longer than expected. When I have asked for reconsiderations on several occasions. No money has been sent for wait time and now a verbal/written claim is being asked for

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 2025-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a payment of {$700.00} through Cash App. The payment was immediately placed in Pending Under Review status. Despite completing all requested identity verification, Cash App has not released the funds. 

Over the following weeks, I attempted multiple withdrawals to my verified bank account ( XXXX XXXX, XXXX XXXX ), but each withdrawal attempt failed. I contacted Cash App support to request an explanation and resolution. Instead of releasing the funds, Cash App suspended my account entirely. 

As of today, my account is suspended with a total balance of {$820.00}, which I can not access. Cash App has not provided a written explanation or timeline for releasing my money. 

This situation has caused financial hardship, and I believe Cash App is unlawfully withholding my funds. I am asking for the XXXX  assistance to require Cash App to either : XXXX. Release the {$820.00} balance to my verified bank account, or XXXX. Provide a clear, written explanation citing the law or policy that justifies holding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brown’s New Credit Bureau Inc.
State: SD

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX  XXXX DC XXXX Subject : Complaint Against Browns Collections Service Failure to Provide Written Notice of Debt Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Browns Collections Service, located in XXXXXXXX XXXX XXXXXXXX. Their listed phone number is ( XXXX ) XXXX. 

On XX/XX/year>, I discovered a collection account being reported by XXXX XXXX XXXX on my credit report. However, I have never been contacted by this company in any formby mail, phone, or otherwise. Specifically, I have not received the required written notice of debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The FDCPA requires debt collectors to send consumers written notice within five ( 5 ) days of the initial communication, including : The amount of the debt, The name of the creditor, Notice of my right to dispute the debt within 30 days, and A statement that the collector will obtain and mail verification of the debt upon request. 
Because I have never been contacted by Browns Collections Service, I have been denied my legal right to dispute or request validation of the debt. Their direct reporting of this account to the credit bureaus without first providing notice is a violation of federal law. 

I respectfully request that the CFPB investigate Browns Collections Service for these violations and take appropriate enforcement action. Additionally, I request that this collection tradeline be removed from my credit reports immediately unless and until Browns Collections Service can provide full validation of the alleged debt in compliance with the FDCPA. 

Please keep me informed regarding the status of this complaint. I am also submitting copies of my credit report showing the account in question as supporting documentation. 

Thank you for your time and assistance.

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 2025-09-26 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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