vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX  ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. Bankruptcy XXXX XXXX Discharged reference XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if Im not mistaken all of them was closed and overdrawn! I was a victim of identity theft in 2012 Im not sure if that may have something to do with all of this.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MN

Complaint narrative:
No records of late payment, and after making a payment early, the card was frozen by the bank. The screen shot enclosed exactly illustrates the fraud : a credit line of XXXX, a current balance of XXXX, and available credit of XXXX. That's very interesting math.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint due to Affirm Inc.s willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting standards, and their failure to honor my previously-elected binding arbitration clause. 

The account in question with Affirm continues to be reported by Affirm as charged-off with a {$950.00} balance to XXXX XXXX XXXX XXXX even though Affirm confirmed in writing that the debt was sold to XXXX Technologies on XX/XX/year>. 

Since then, I have been contacted by TWO separate third-party collectors XXXX XXXX and XXXX regarding the same debt. Despite this, Affirm continues to report the debt as if its still owned and collectable by them. 

Under FCRA 623 ( a ) ( 5 ) and XXXX guidelines, once a debt is sold : The creditor must report a {$0.00} balance The account status must be updated to sold or transferred No further late payments or charge-offs should be reported Affirms failure to do any of the above is a clear violation of FCRA 1681s2 ( a ), 1681s2 ( b ), and 623 and is misleading and harmful to my credit. 

Additionally, Affirm ignored my binding arbitration election under Section 32 of the loan agreement, which should have immediately halted all collections and reporting. Their continued furnishing of data after that point compounds their FCRA violations. 

I am attaching : Screenshots from XXXX Technologies and XXXX XXXX attempts Affirm Help Center transcript ( XXXX XXXX XXXX XXXX admitting the debt was sold, yet affirming ongoing charge-off reporting Credit report screenshots from XXXX XXXX XXXX XXXX  showing the same {$950.00} tradeline My ID and proof of address ( optional but available ) This is not a clerical mistake ; it is a systemic, legally actionable violation that continues to damage my creditworthiness and financial opportunities. 

I am requesting : 1. Immediate deletion of the Affirm tradeline from XXXX XXXX XXXX XXXX 2. A thorough investigation into Affirms pattern of false reporting and XXXX XXXX failures XXXX. Written confirmation that Affirm has permanently ceased furnishing this account to all bureaus If this is not resolved promptly, I will : File formal complaints with the FTC and California Department of Financial Protection and Innovation Initiate binding arbitration with the XXXX under Affirms own contract Pursue legal remedies for FCRA violations and emotional distress damages, including recovery under 1681s2 ( b ) Thank you for your prompt attention to this serious matter.

Requested Resolution : Immediate deletion of the Affirm tradeline from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank closed my Business savings account ending in XXXX approximately 2 weeks ago without first notifying me, and giving me the opportunity to pay the {$19.00}. 

More over, I did a dispute on the account for unauthorized charges for the years of XXXX, XXXX to XXXX XXXX XXXX. TD Bank never provided me with an update on the dispute, nor did it return my over {$26000.00} back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Delete this immediately Disputing this account under XXXX XXXX. XXXX. improper verification of disputed info. This is not my account ; I have no knowledge of it per XXXX XXXX XXXX. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} million ).

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX 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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
ON MY ACCOUNT THERE WAS NAMES ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH AMERICAN EXPRESS TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT, THANK YOU. THERE WAS UNAUTHORIZED CREDIT CARDS ON THE ACCOUNT ALSO, SOMEONE ADDED TO MY ACCOUNT WITH OUT MY PERMISSION I TOLD THE CREDIT CARD COMPANY AND THEY ARE NOT WORKING WITH ME TO FIX THE ISSUE. ALSO IDENITY THEFT WAS TAKING PLACE ON MY ACCOUNT WITH OUT MY PERMISSION SOMEONE HAS STOLE MY PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH AND USED IT TO MAKE FRAUDLUENT CREDIT CARDS INMY NAME HAVE A BALANCE OF {$20000.00} OR MORE IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND REOPEN OR CLOSED THE ACCOUNT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Delete this immediately Disputing this account under 15 U.S.C. 1681i. improper verification of disputed info. This is not my account ; I have no knowledge of it per 15 USC 1681b. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I signed over a check to my neighbor 's account third party and she deposited mobile into her Chase banking account it was her first deposit of a check in the new account but the check was a cashier 's check made out to myself XXXX XXXX. I understand waiting five business days for the check to clear but it has now been 15 days and there's been no funds released and it's just been an ongoing issue with Chase Bank of XXXX XXXX since the day of the deposit I've gone into the branch two times I've spoken on the phone with her XXXX XXXX the account holder and got nowhere. I would appreciate your assistance on getting the funds released cuz it's cause nothing but financial hardship and problems financially for myself. The check was a cashier 's check that to my knowledge they are violating federal laws and that is unjust and unfair on their part I've done everything I've can to prove to them that it's not fraudulent along with giving them my phone number so they can verify me through my phone number and nothing has been able to please their needs as to making sure that nothing is fraudulent. they stated that they wanted to make sure that we are associated with each other what's my understanding I don't know how that would be any of their business. To my knowledge as long as the check didn't come back as reported stolen or fraudulent there shouldn't be an issue and a business or professional banking company should never have to go about your personal life and ask you about what relation you have to someone that put something in your account that's going overboard and getting into my privacy and unprofessional and troublesome and again against the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
" According to FCRA section 605B, it is illegal to report anything on my credit report without my permission.

Please remove this negative item. Thank you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to request formal verification and documentation of a debt currently being reported by your organization and appearing on my credit report.

Account Information : Creditor / Furnisher Name : HP Sears Original Creditor : Unknown at this time Account Number ( Last Four Digits ) : XXXX Balance Reported : [ Insert balance if known ; if unknown, leave blank or mark Unknown ] Date Opened : [ Insert date if known ; otherwise, Unknown ] Status : [ e.g., Collection Account or Charged Off ; if unknown, leave as Unknown ] Credit Bureau Reporting Agencies : XXXX XXXX XXXX This request is made in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to request full disclosure and verification of any information reported about me. This includes but is not limited to : Section 609 ( a ) ( 1 ) right to access all information contained in my consumer file Section 611 ( a ) right to dispute and request removal of inaccurate or unverifiable information Section 611 ( a ) ( 7 ) right to request the method of verification used to confirm the accuracy of disputed information Accordingly, I am requesting the following : 1. The date of first delinquency on the original account 2. The date of the last payment made on this account 3. The date the account was charged off or closed, if applicable 4. The date the account was sold, transferred, or assigned ( if relevant ) 5. The date the account was first reported to XXXX XXXX XXXX XXXX  6. A copy of the original signed contract or agreement establishing this account 7. The name and contact details of the original creditor ( if different from HP Sears ) 8. A clear description of the method of verification used to confirm the accuracy of this account as reported Please respond to this request in writing only. I do not consent to communication by phone, email, or text. All responses should be mailed to the address provided above for documentation and verification purposes.

If you are unable to provide the requested documentation and verification, I respectfully request that this account be deleted or corrected fr
om all credit reports in accordance with FCRA 611 ( a ). 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : XX/XX/XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

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 2025-07-02 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX. Account number XXXX Balance {$300.00} XXXX XXXX XXXX XXXX  Account number XXXX Balance {$1000.00} XXXX XXXX Account Number XXXX Balance {$17000.00} XXXX XXXX XXXX XXXX Account Number XXXX Balance {$540.00} XXXX XXXX XXXX. Account XXXX XXXX XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
Someone used my name and got a loan for XXXX and it wasnt me and it messed up my credit bad

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied opening an account and told to call a number to find out it was multiple accounts in my name and if XXXX not mistaken all of them was closed and overdrawn! I was a victim of identity theft in XXXX XXXX not sure if that may have something to do with all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a complaint against Chase Bank XXXX JPMorgan Chase ) for improperly denying a credit card dispute I submitted on XX/XX/2025, for a {$1000.00} charge dated XX/XX/2025, involving services not rendered by a company called XXXX XXXX. The company collected payment and then ceased communication and failed to deliver any services. 



Chase denied my dispute claiming it was submitted outside the XXXX limit. However, according to Visas official chargeback rules ( Reason Code XXXX Services Not Received ) : The XXXX period typically begins on the transaction date or the date the cardholder expected to receive the merchandise or services, whichever is later. 


My dispute was filed exactly XXXX calendar days after the transaction date ( XX/XX/XXXX to XX/XX/XXXX ), making it timely and valid under Visas and Regulation XXXX  standards. Chase misapplied this rule and failed to properly investigate. 



I am requesting the CFPB to investigate and require Chase to reopen my dispute, apply XXXX policy accurately, and issue a refund. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: UT

Complaint narrative:
My co-borrow of home mortgage. He refinanced our home mortgage without my consent. I didn't even know he was doing anything with Suntrust. I have never received the Suntrust mortgage form from the co-borrower of our loan. I did see the other two mortgage application. First one : XXXX XXXX XXXX XXXX. Initial amount at XXXX XXXX XXXX XXXX was XXXX on XX/XX/XXXX : XXXX Did not show my house was sold. Shortly after my house sold the mortgage went from XXXX to XXXX. 
Second one : SunTrust Mortgage. On the closing form it states : Payoff of first mortgage loan Sun Trust XXXX. Did the co-borrower take the difference between XXXX minus my house = XXXX when refinancing at SunTrust. The problem I have is no SunTrust information was given to me by my co-borrower. THIS IS THE PROBLEM. i NEED THE MORTGAGE LOAN PAPER FROM SUNTRUST. He takes the difference between the loan with out my house equity ( XXXX ) and once I sold my house the house equity went to XXXX. Difference : XXXX. Co-borrower went bankrupt right before the house was sold. It would not surprise me at all if he took part of the equity or all of it. Possible XXXX I need SunTrust Mortgage Paper he didn't give to me. Says : Payoff of first mortgage loan SunTrust XXXX. We sold the ( XX/XX/XXXX ) house for XXXX. I know the co-borrower took a lot of money out of equity. I paid XXXX of my home. He had multiple debts. I received XXXX. Co-borrower received XXXX. 
I put {$35000.00} of my money into this home to receive XXXX. Seems like 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