vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I opened a new account and the first time I attempted to use the card it was declined. When I contacted the company they said I could not use the card until I email them my photo ID and proof of income. In my opinion it is not safe to email this information nor is my income all from one source so I declined to email this information. I next attempted to close my account and they declined until I complied with the information above. I offered to answer any security questions but the representative said that was not possible. I just want this account closed. Since no one else is claiming they are me and wanting to use this card they have no reason to deny me closing this 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 explanation
Consumer complaint received 2025-04-25 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: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
When my vehicle was repossessed on XX/XX/XXXX the repossession company " XXXX XXXX XXXX XXXX '' stole my license plates and vehicle registration, after paying to get my vehicle back I still am unable to obtain my license plates and vehicle registration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  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 Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX 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 Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-25 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX Balance {$160.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$610.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$560.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX Balance {$270.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-04-25 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: PA

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 2025-04-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Benworth Capital Partners LLC
State: FL

Complaint narrative:
We are paying 11.95 % interest on our mortgage ( payment includes principal, interest, taxes, and insurance ) {$3700.00} a month, have never missed a payment, was late once by 2 days. They don't report to the credit bureaus, and the loan matures XX/XX/XXXX and to pay it off the balance is MORE than the original mortgage. We asked if we could refinance and they said our interest rate would be even higher. We've paid them approximately {$58000.00} since we bought the house on XX/XX/XXXX and nothing has gone to the principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I requested for all three bureaus to update my personal information because it's out dated, incorrect and it creates an easy opportunity for identity theft. I NEVER stated that I am filing any alert or identity theft report. I just need my information updated and accurate. I received a letter via email from Experian stating they were filing an alert and forwarding this information to TransUnion and Equifax ... That has nothing to do with my request. There are numerous phone numbers, addresses and other personal information tied to my account that are not mine. I would like ALL INCORRECT and INACCURATE identifying information removed.. 

My current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone 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 2025-04-25 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 identity theft. For about 8 years my information has been exposed. That's when the fraud started. According to my XXXX XXXX credit report there are 3 credit card accounts that i don't recognize. There is also an address there that is incorrect. " XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX ''. Starting on XX/XX/XXXX a " XXXX XXXX XXXX XXXX' XXXX XXXX was opened under my name with a {$670.00} balance as of XX/XX/XXXX. To continue, on XX/XX/XXXX a " XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened with {$510.00} balance. To conclude On XXXX another " XXXX XXXX XXXX XXXX XXXX XXXX was opened and reported {$1600.00} of fraudulent charges. Below is a FTC report including details about the 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 non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a separate complaint from the previous. My account overdrew slightly due to what look like a bank situation and going to make a deposit as I would they have frozen my access entirely to all my Chase accounts. Theyre not allowing a XXXX deposit and theyre not allowing me to Get the money I sent from my business account with Square or block through XXXXXXXX XXXX  XXXX I believe they are holding the money and not reflecting it in the balance. Its a blatant attempt because Ive reported them for fraud previously to have reported to check systems and I need your assistance on this. Please note that they change the account number literally between the time I started this complaint and the time Im filing it. The original account number is XXXX and they have since changed it to the following XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint against Regions Bank for inaccurate and unlawful credit reporting related to a closed account in XXXX and was charged. Despite this, Regions Bank continues to report ongoing late payments beyond the charge-off date, including through XXXX, XXXX, XXXX, and XXXX, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information ( creditors ) are prohibited from reporting inaccurate or misleading information. As of XX/XX/XXXX they have re aged my account stating it was charged off in XX/XX/XXXX which is inaccurate. They CAN NOT AND WILL NOT REAGE THE ACCOUNT. By reporting new delinquencies past the charge-off, Regions Bank is falsely indicating that I am continually delinquent on an account that was already charged off and closed, thereby re-aging the account to prolong negative impact on my credit profile. Furthermore, under 15 U.S. Code 1681c ( a ) ( 4 ), negative items must be removed 7 years from the date of the first delinquency, and no new delinquencies should be reported after a charge-off has occurred

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 2025-04-25 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: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing this complaint to formally dispute an account being reported by Comenity Bank/XXXX XXXX as a charge-off on my credit report. I am challenging the accuracy and validity of this account for several reasons, and I believe both the creditor and the credit reporting agencies have failed to comply with federal consumer protection laws.

I have made multiple written requests directly to Comenity Bank/XXXX XXXX XXXX requesting debt validation and supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my good faith attempts to obtain this information, I have not received any response or documentation validating this debt, including any evidence that I am legally responsible for the alleged account. 

In addition, I have disputed this account several times with the major credit reporting agencies, including XXXX XXXX XXXX XXXX. Each time, I receive a generic response stating that the account has been verified as accurate and updated, but no actual investigation findings or validation documents are ever provided. 

This situation is extremely frustrating and appears to be a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically regarding : Failure to conduct a reasonable investigation under FCRA 1681i Failure to provide a method of verification when requested under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) Inaccurate or unverified reporting by the data furnisher under FCRA 1681s-2 If the account was truly charged off, I would have expected to receive a Form 1099-C, which I have never received. This further brings into question the legitimacy of the charge-off and whether the debt has been forgiven, sold, or otherwise resolved. 

I am requesting that the CFPB investigate this matter and take appropriate regulatory action to ensure that Comenity Bank either : Fully validates and proves the legitimacy of the debt with documentation, or Deletes the account entirely from all consumer reporting agencies due to lack of validation and continued inaccurate reporting. 

Thank you for your assistance in helping protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
On XX/XX/year> I used XXXX to make a payment. I sent the money to an incorrect number and canceled the payment. On XX/XX/year> the XXXX that was cancel was placed back into my account. Then on XX/XX/year> the bank deposited another XXXX and proceeded to take the XXXX that was incorrectly placed into my account as I already recieved the refund plus they took an additional XXXX. I have tried to rectify it with the bank and they refuse to admit there mistake and properly credit my 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 explanation