vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
My checking account with Charles Schwab Bank was locked on XX/XX/year> and closed in XX/XX/year> without prior written notice or explanation. At the time of closure, my account had a balance of over {$4000.00}. 

Since that time, Charles Schwab has refused to communicate with me or release my funds. I have attempted to contact the bank multiple times by phone and email, but no representative will speak with me or provide a written explanation. I have not received a refund, a final statement, or confirmation of any investigation. 

Schwabs conduct appears to violate multiple federal consumer protection and banking laws, including : Regulation E ( 12 CFR 1005.11 ) requiring timely investigation and resolution when funds are withheld or an account error is reported.

Truth in Savings Act ( 12 CFR 1030.4 ) requiring disclosure of account closure terms and final statement issuance.

Consumer Financial Protection Act ( 12 U.S.C. 5531 UDAAP ) prohibiting unfair or abusive acts such as withholding a consumers funds without reason or communication.

OCC Deposit Accounts Handbook, Section 5010 requiring national banks to promptly return any remaining balance upon closure unless lawfully restricted.

Schwabs refusal to return my money or provide any explanation has caused financial hardship and appears to be a clear violation of the above regulations. 

I have also sent a written demand for funds directly to Schwabs client services and compliance departments, as well as filed a complaint with the OCC. I am requesting the CFPBs assistance to ensure this matter is promptly resolved and that Schwab is held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Experian company asked him to freeze my credit and he has not done it as well as put a fraud alert since my information was stolen

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off on the following date XXXX, XXXX. Since then the account has repeatedly been updated as charged off every month. This is an updated in the payment history. A charge off account should NOT include active payment history. 
This is in accurate information falsely manipulate statute of limitation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

Account Name : XXXX XXXX. 
Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 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

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to formally submit a second request for reinvestigation regarding multiple late payment entries and reporting inconsistencies that continue to appear on my credit file. Despite my previous dispute submission, no meaningful corrections or updates have been made, and the same inaccuracies remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} This follow-up request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ) and 607 ( b ), which require that all consumer information reported be accurate, complete, and verifiable. Furthermore, I remind you of the furnishers obligations under 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of any information that is known or should reasonably be known to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to formally submit a second request for reinvestigation regarding multiple late payment entries and reporting inconsistencies that continue to appear on my credit file. Despite my previous dispute submission, no meaningful corrections or updates have been made, and the same inaccuracies remain. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} This follow-up request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Section 611 ) and 607 ( b ), which require that all consumer information reported be accurate, complete, and verifiable. Furthermore, I remind you of the furnishers obligations under 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of any information that is known or should reasonably be known to be inaccurate.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, all information on my report must be accurate, complete, and verifiable. I am requesting that these late payment entries be investigated and, if they can not be verified, corrected or removed 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
In XXXX, a XXXX XXXX  XXXX checking account in my name experienced unauthorized/fraudulent activity that I did not initiate. The bank later closed the account. 

This negative banking information was then reported to a deposit-account consumer reporting agency ( Early Warning Services ), and it is now affecting my ability to open new accounts. 

On XX/XX/XXXX I submitted an identity theft dispute directly to Early Warning and provided my FTC Identity Theft Report ( dated XX/XX/XXXX ) and my ID. Under the FCRA identity theft provisions, this information should be blocked/removed. 

I am asking that this XXXX XXXX XXXXrelated item be deleted from my consumer report and that I be provided an updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ask forgiveness through the influx of inflation during and while the government is trying to find itself XXXX XXXX XXXX XXXX.! Bank of America owes me {$300.00} dollars of an account closed which accrued substantial interest and XXXX bank owes me {$300.00} of Nonsufficient 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute, for the second time, the reporting of my XXXX XXXX XXXX account, account number ending in XXXX, with a balance of {$4900.00}, opened on XX/XX/XXXX. My credit report inaccurately lists this account as a charge-off, while it is in fact tied to an open account showing late payments, including a past-due balance of {$1200.00} as of XX/XX/XXXX, with 30 days late in XXXX, 60 days late in XXXX, and 90 days late in XXXX. Reporting this account as a charge-off while it remains open and actively accruing late payments is misleading and creates significant inconsistencies in my credit history.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts listed on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I have identified the following accounts that are being reported incorrectly and demand their immediate removal from my file 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  These entries are not only inaccurate but are also negatively affecting my creditworthiness. I request that you conduct a thorough investigation into these accounts and provide me with written confirmation of the results within the 30-day time frame stipulated by the FCRA.

I expect these inaccuracies to be rectified promptly. If you fail to address this issue, I will not hesitate to escalate my dispute to the relevant regulatory authorities.

Please find attached any supporting documentation to assist in your investigation. I appreciate your immediate attention to this matter and look forward to your swift response. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This go few years back I had XXXXXXXX XXXX XXXX XXXX XXXX  XXXX their speed in my area was very poor, but we had the service for few years. Because of the weak speed they sent me a device that was supposed to help get better signal from the tower but that didn't help much either, this was between XXXX and XXXX old system, so I decided to make a change I cancel the service I switch to XXXX. So I had to return all those equipment from XXXX XXXX XXXX, which I took get to one of the local store which it doesn't exist today, couple months later I received a bill from XXXX XXXX XXXX from those equipment, so I went back to the store, spoke with the manager, and i was told they chipped everything every week that needs to go back to the warehouse or whatever department handle their returns, don't know the process of how they do it. But someone didn't his job right and doesn't another thing those stores always have new people every month But they lookup my account and they were supposed to notify in the system that everything was returned apparently they didn't because months later i started getting same letters again and again but that time they were had new employees again that had no clue the XXXXanager called customer service couple times trying to help me because he remember when I turned in but they say they never received those equipment, and there it's nothing in my account saying that I returned in the store, it was like an nightmare going back-and-forthThis went on for a few months plus sending me bills plus fees it kept increasing very bad experience and best service told them I was not gon na pay for something that I had no use for it and I returned. So they stop calling and months later it came off my credit report. I work hard to keep my credit in good shape. So now There is an agency recently opened this back up. I don't know how they got my information but my personal information should not be sold and this is affecting me big time I was trying to refinance my vehicle and this is affecting the interest rate. I would like for this account to be closed and clear from my credit report. Thank you

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this letter to formally dispute the accuracy of certain items on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which provides me the authority to challenge incomplete, inaccurate, or unverifiable information reported under my name. 
Upon reviewing my recent credit report, I discovered multiple entries that are inaccurate and potentially damaging, including addresses, a charge-off, and collection accounts. These inaccuracies have caused undue stress and misrepresent my true financial responsibility. I am requesting a full investigation and correction of these records. 
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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, I assert the following : 611 ( 15 U.S.C. 1681i ) : Grants me the right to dispute and request reinvestigation of any incomplete, inaccurate, or unverifiable information. 623 ( a ) ( 2 ) : Requires furnishers of credit data to correct and update any information found to be inaccurate. 623 ( b ) : Obligates furnishers to conduct a reasonable investigation and ensure reported data is verified. 602 : Ensures consumer credit reporting is accurate, fair, and protects the privacy of consumers. Allowing unverifiable or false information to remain violates this congressional purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting this letter to formally dispute the accuracy of certain items on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which provides me the authority to challenge incomplete, inaccurate, or unverifiable information reported under my name. 
Upon reviewing my recent credit report, I discovered multiple entries that are inaccurate and potentially damaging, including addresses, a charge-off, and collection accounts. These inaccuracies have caused undue stress and misrepresent my true financial responsibility. I am requesting a full investigation and correction of these records. 
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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, I assert the following : 611 ( 15 U.S.C. 1681i ) : Grants me the right to dispute and request reinvestigation of any incomplete, inaccurate, or unverifiable information. 623 ( a ) ( 2 ) : Requires furnishers of credit data to correct and update any information found to be inaccurate. 623 ( b ) : Obligates furnishers to conduct a reasonable investigation and ensure reported data is verified. 602 : Ensures consumer credit reporting is accurate, fair, and protects the privacy of consumers. Allowing unverifiable or false information to remain violates this congressional purpose.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank referred me to a third-party company that said they worked with Chase to help customers consolidate credit card debt and lower their monthly payments. I called the number Chase provided ( XXXX ) around early XX/XX/year>. The representative was very pushy and tried to get me to sign up immediately without sending any written details or disclosures. She told me to unfreeze my credit so they could run a soft credit check, but she would not clearly explain the costs or terms. She said the payment would be about the same as what Im paying now, which didnt sound like relief at all. When I said I wanted to call back after reviewing, she became angry and hung up on me.

I never agreed to any program or gave payment authorization, but I feel misled and pressured. I was led to believe this company was part of Chases hardship assistance, but it was actually a for-profit company demanding high payments. I want this investigated and for Chase to stop referring customers to companies that misrepresent their connection to the bank. I also want confirmation that my credit information was not accessed or shared without my consent.

Company response to consumer: Closed with explanation