vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HOME BANCSHARES, INC.
State: AL

Complaint narrative:
Centennial has a habit of playing fast and loose with BANKING LAWS where my XXXX has an interest. My XXXX handles the a school account that is held with this particular Centennial Branch. I've previously complained to CFBP regarding a joint account I had with my ( then ) XXXX XXXX I had closed the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had the Centennial Branch REOPEN the account ( without my consent of knowledge ), an account IN MY NAME mind you, so that XXXX XXXXr could cash a check. Then they immediately closed the account again. That is ALL SORTS OF FRAUD. 

YESTERDAY, I discovered that something has happened to a joint account that I hold/held with XXXX XXXX. One of two things has happened : XXXX. The account ( a JOINT account IN MY NAME ) has been closed ( WITHOUT MY KNOWLEDGE OR CONSENT ), or 2. The account may remain open but my ability to monitor it online ( or otherwise ) has been removed ( AGAIN, WITHOUT MY KNOWLEDGE OR CONSENT ). 

Let me explain why this is a SERIOUS problem ( beyond, you know, VIOLATION OF BANKING LAW ) : my XXXX is in SERIOUS financial trouble. At one point, while we were married, she put us XXXX 's XXXX XXXX of dollars in debt that took us years to pay off. She even took out a credit card in my name without telling me ( yeah, she broke the law ). 

The XXXX that i have/had the above mentioned account lives with my XXXX. It's bad enough that Centennial may have violated the law to close the account ( because of a financial relationship the branch has with a woman who at one time put me in serious debt and committed financial crimes against me ), but ... if that account is still open and I can not monitor it anymore, the potential for financial damage to me is tremendous. Credit cards or loans may be applied for in my name WITHOUT MY KNOWLEDGE AND CONSENT with Centennial BEING COMPLICIT by the very fact that they've already BROKEN THE LAW to make changes to MY ACCOUNT without MY KNOWLEDGE AND CONSENT. 

Centennial is, hereby, notified that they are fully civilly and criminally liable for ALL DAMAGES that I may suffer.

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 2025-03-30 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:
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 non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I wanted to know why I was being locked out of my account why my password that was changed with a navy federal agent on the phone is not working why I am no longer able to acess my online banking why i received a call from the security department of navy federal and was told that they would empty out my bank accounts for using my freedom of speech as if their policy over rules the constitution upon all of these things happening I have maintained my position as a homeless man with no transportation to be able to make it to the nearest bank which is over 50 miles from me this is inhumane to attempt to subject a consumer a living man to something of a subject I asked over the phone if navy federal would provide the original banking agreement with my signature Restatement ( Second ) of Contracts 21 - " Intention to Be Bound '' " Notwithstanding the manifestation of intention to enter into a contract, an agreement to make a contract is not enforceable unless the parties have agreed upon all the terms of the contract. '' Restatemant ( Second ) of Contracts 37 - " Termination of Power of Acceptance '' " The power of acceptance is terminated by the rejection of the offer, by the counteroffer, or by the lapse of time specified in the offer. '' I have listed these laws to explain that I have not seen or been provided with the actual contract nor have I read or been allowed to be privy to the so called contract that I supposedly agreed on which raises questions as to how this is legal if they can not provide my wet signature for the membership agreement it constitutes fraud and unjust enrichment as they have used my own personal information against me and custodianship to control my account without my knowledge and make decisions on my behalf without my knowledge if this company does not provide the actual contract with my wet signature from me and not from another individual they accept everything that comes with this dishonor and accept me to file a ucc - 1 financing statement as a secured party creditor until this commercial injury has been resolved furthermore navy federal has denied my claim last year for XXXX dollars and XXXX dollars based off of false pretense and they even deleted emessages which shows tampering with evidence in hopes that they would prevent me from filing suit for damages done against me I would like CFPB and the FTC to investigate this company as I will be filing a lawsuit soon after I send this legal demand to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My navy federal credit union account was overdrafted after a check came in for {$7500.00} the bank made it available to me for XXXX almost XXXX weeks and then the check came back as negative they withdrew XXXX from the account, and so therefore it was overdrafted by - {$2000.00} at first, I am unsure of why it came back bounced, but I did make them aware that I would take care of the funds, upon this they charged my account with {$300.00} extra dollars, for no reason and did not make me aware, I had my only tax refund in the amount of {$2100.00} that went into the account and was deposited before it hit, I notified the IRS and they said it was too late, I also kept calling the bank and they said it was nothing they could do even upon trying to get my refund back, they still insisted that there is nothing I could do, I want to know is there any way I can go ahead and file a claim against this bank and possibly get my tax refund back?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$12000.00} IN DAMAGES | 48-HOUR RESPONSE DEADLINE To Whom It May Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX  XXXX Account ending in XXXX Balance : {$1200.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have 48 Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have 48 hours from the date of this letter to : 1. Permanently remove all listed fraudulent accounts 2. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in Small Claims Court for {$12000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

Sincerely, 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 2025-03-30 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: GA

Complaint narrative:
RE : LEGAL NOTICE FRAUDULENT ACCOUNTS FROM YOUR DATA BREACH | DEMAND FOR {$12000.00} IN DAMAGES | 48-HOUR RESPONSE DEADLINE To Whom It May Concern, This letter is a formal legal notice and final warning regarding multiple fraudulent accounts appearing on my credit and tenant screening reports. These accounts were not opened or authorized by me, and I have reason to believe they are the direct result of a data breach involving your systems, in which my private information was compromised. 

As a result of your failure to protect consumer data, I have suffered emotional distress, repeated denials for housing and credit, and serious financial harm. 

I demand the immediate and permanent deletion of all the following fraudulent accounts from every reporting system associated with your agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent rental accounts ) Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent eviction accounts ) XXXX XXXX XXXX  XXXX Account ending in XXXX Balance : {$1200.00} DO NOT REINSERT ANY REMOVED ACCOUNTS. 
Under FCRA 611 ( a ) ( 5 ) ( B ), any reinsertion of previously removed accounts without proper notice is a violation of federal law. You are now on record and legally warned : No account that has been disputed and removed may be reinserted under any circumstance. 

I also do NOT authorize any fraud alerts to be placed on my credit file. These alerts result in automatic denials and further harm me as a victim. Placing a fraud alert without my request or consent is both unethical and damaging. 



You Have 48 Hours to Act If I do not receive written confirmation that all fraudulent accounts have been permanently deleted and will not be reinserted, I will proceed with legal action. You have 48 hours from the date of this letter to : 1. Permanently remove all listed fraudulent accounts 2. Cease all reporting and reinsertion of any disputed accounts XXXX. Send written confirmation to : XXXX XXXX. Refrain from placing any fraud alert on my file If you fail to comply, I will take the following legal steps without further warning : File a lawsuit in Small Claims Court for {$12000.00} in damages Report your data breach negligence and violations to the FTC, CFPB, and the Texas Attorney General Pursue full legal action under the FCRA, FDCPA, and consumer protection laws You have been officially notified. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: TN

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 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 2025-03-30 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: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that Experian block fraudulent information from my consumer credit report within four business days of receiving this notice. The information in question is the result of identity theft and fraud and includes the following unauthorized accounts : A personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under account number ( private ). 
A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number ( private ). 
A personal credit card account opened at XXXX XXXX in XX/XX/XXXX, under account number ( private ). 

A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), which appears related to the unauthorized credit card at XXXX XXXX. 

A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), which appears related to the unauthorized credit card at XXXX DIGITAL/SYNOVUS/VT. 

A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, with a balance of $ ( private ), which appears related to the unauthorized credit card at XXXX XXXX XXXX XXXX 

I do not recognize these accounts, collections, nor did I open, authorize, or initiate them. They are the direct result of identity theft and fraud. As evidence, I have included a copy of the FTC Identity Theft Criminal Complaint ( # private case number ) filed with the U.S. Federal Trade Commission, which verifies that these accounts, collections, and inquiries are fraudulent. 

I request immediate action to block this information from my credit report as required by 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 explanation
Consumer complaint received 2025-03-30 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: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
On XXXX I sent LBNV a certified letter asking for the characterization of this debt with my signature that I agreed to pay LVNV any money they have failed to do it and keep harassing me for someone elses debt I demand they stop or I will file a lawsuit in the city of reside in against LBNV and research it They continue to harass and use identity, theft and fraud by reporting false information to the three credit reporting bureaus they have already been sued for the same thing and will continue to get sued if they continue these antics I demand they delete this account that aint mine from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: TN

Complaint narrative:
I was incarcerated while these transactions happen of XXXX I have proof of me being incarcerated I made a police report in the counties of what the crimes took place I filed with the FBI cyber unit I file with the FTC I've done everything that they requested I think me being behind bars is proof enough that wasn't doing ATM withdrawals and wiring and transfer money I had no idea that my money been stolen they called the jail there and no one answered so they didn't even verify that the accusations I was making was true... I don't think I'm that stupid to open investigations on myself if I done anything illegal I just want what is rightfully mine back .. and will help them prosecute the person to the fullest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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 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 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 2025-03-30 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: GA

Complaint narrative:
Subject : Formal Complaint and Dispute Regarding Experians Failure to Comply with FCRA Violations of 15 U.S.C. XXXXi Dear CFPB, I am writing to formally file a complaint against Experian for its failure to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. XXXXi ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 

15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine the accuracy and completeness of the disputed item. 

15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) Failure to notify me that previously deleted information was reinserted and to provide the required written notice. 


I submitted a formal dispute to Experian regarding several accounts that I believe to be inaccurate, outdated, or unverifiable. Despite my clear request for reinvestigation, Experian : XXXX. Did not provide evidence of a reasonable reinvestigation as mandated under XXXX ( a ). 


XXXX. Failed to explain how it verified the accuracy of the information in accordance with XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 


XXXX. Reinserted previously removed information into my credit file without providing the required written notice within XXXX business days, as outlined in XXXX ( a ) ( XXXX ) ( B ). 



These failures directly affect my creditworthiness and violate my rights under federal law. 

I am requesting that the CFPB investigate this matter, require Experian to comply with all applicable FCRA provisions, and compel Experian to : Delete the disputed item ( XXXX ) unless they can be fully verified with documented proof. 

Provide a complete and accurate description of the reinvestigation procedures used. 

Supply written notice of any reinsertion of previously deleted information as required by 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 explanation
Consumer complaint received 2025-03-30 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: GA

Complaint narrative:
Subject : Formal Complaint and Dispute Regarding Experians Failure to Comply with FCRA Violations of 15 U.S.C. XXXXi Dear CFPB, I am writing to formally file a complaint against Experian for its failure to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. XXXXi ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 

15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( iii ) Failure to provide a description of the procedure used to determine the accuracy and completeness of the disputed item. 

15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) Failure to notify me that previously deleted information was reinserted and to provide the required written notice. 


I submitted a formal dispute to Experian regarding several accounts that I believe to be inaccurate, outdated, or unverifiable. Despite my clear request for reinvestigation, Experian : XXXX. Did not provide evidence of a reasonable reinvestigation as mandated under XXXX ( a ). 


XXXX. Failed to explain how it verified the accuracy of the information in accordance with XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). 


XXXX. Reinserted previously removed information into my credit file without providing the required written notice within XXXX business days, as outlined in XXXX ( a ) ( XXXX ) ( B ). 



These failures directly affect my creditworthiness and violate my rights under federal law. 

I am requesting that the CFPB investigate this matter, require Experian to comply with all applicable FCRA provisions, and compel Experian to : Delete the disputed item ( XXXX ) unless they can be fully verified with documented proof. 

Provide a complete and accurate description of the reinvestigation procedures used. 

Supply written notice of any reinsertion of previously deleted information as required by law.

Company response to consumer: Closed with explanation