vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to file a formal grievance regarding Arvest Bank 's handling of a joint account that I share with my husband, from which he unilaterally canceled overdraft protection on XX/XX/year>. This cancellation took place after he was legally removed from the home due to an active XXXX XXXX XXXX and in direct violation of a XXXX XXXX related to our pending divorce proceedings. 

Despite my providing court documentation, I was informed by Arvest that the bank would not restore overdraft protection for 30120 days. As a result, our household account was left without essential protections, directly impacting my ability to care for our children. I was forced to use an emergency credit card that had previously been linked to a household account. I am also relying on food pantries. 

This disruption has caused financial hardship and emotional distress during an already vulnerable time. I am requesting a full internal review of this decision, an expedited reinstatement of overdraft protection, and an inquiry into how unilateral changes were not reversed on a joint account amidst an active protection order. 

Thank you for your time and prompt attention to this matter. 

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 2025-07-10 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: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is valid. My credit report contains inaccurate information that does not meet the federally required standard of maximum possible accuracy. These errors are causing ongoing and unjust harm to my financial stability, especially during a time of significant personal and financial difficulty.

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 2025-07-10 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:
I provided TransUnion with an FTC fraud report and requested removal of accounts that do not belong to me. They didnt take any action. Im asking the CFPB to help ensure these accounts are deleted as required under the FCRA.

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 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
1. Bread Financial/XXXX XXXX late fee terms are predatory lending. They have the highest late fees of all my credit cards. They are the only credit card company that charges a late fee if you pay after XXXX EST time. Thats only XXXX central time where I live. Im not even off work at that time. The late fee policy is unreasonable and burdensome to the consumer. 

2. In addition to the rigid late fee policy, you cant set up payment reminders/notifications on the bread financial app and you also can not set up text notifications either. This is very outdated compared to the capabilities of technology. The policy in question does not appear to reflect modern standards for customer service or financial fairness. It seems unnecessarily punitive, especially given recent guidance from the CFPB encouraging institutions to assess late fees reasonably and with transparency. I believe this policy needs to be reviewed and revised to better align with current consumer protections and financial realities. I respectfully request the CFPB to look into Bread Financials practices around late fees and assess whether they are compliant with current regulatory expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After XXXX XXXX disputes about this issue, I called Wells Fargo on XX/XX/XXXX to ask for a goodwill removal of the incorrect status. My first XXXX disputes were because Wells Fargo deliberately added " It was a charge off '' to the remarks that says the account was PAID IN FULL. A representative told me there was no way they could remove or change the derogatory status or remarks! Why put derogatory remarks on the account when they were paid in full by another XXXX party lender ( XXXX XXXX XXXX )? It doesn't matter how. They were paid off, and in full. The only answer is they wanted to hurt me on purpose. Also, this account became delinquent during COVID in XXXX. I have documentation that will upload to verify that I wasn't working at the time and I couldn't pay for medical reasons and all of my other bills piling up. At the time that I couldn't pay, my name was XXXX XXXX XXXX. I hadn't had my name legally changed yet. So Wells Fargo violated the fair credit reporting act, 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 2025-07-10 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: NY

Complaint narrative:
I want to make it absolutely clear that this complaint is valid. My credit report contains inaccurate information that does not meet the federally required standard of maximum possible accuracy. These errors are causing ongoing and unjust harm to my financial stability, especially during a time of significant personal and financial difficulty.

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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing a collection account that appears on my credit report from XXXX, account number : XXXX. This account is inaccurate because it is either not mine, has already been paid, is reported with incorrect information, or is the result of identity theft. 

I previously submitted a dispute to the credit bureaus and/or the collection agency, but the account was not corrected or removed. I am requesting CFPB 's assistance to investigate this matter and ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

This negative reporting is causing harm to my credit, and I am requesting that the collection account be deleted or corrected immediately. 


Thank you for your help in resolving this issue.

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 2025-07-11 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: TX

Complaint narrative:
Upon reviewing my credit report, I identified a hard inquiry that was not made with my knowledge or consent. This is extremely concerning, and I view this as either an error or unauthorized use of my personal information.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I transferred {$80000.00} from my XXXX XXXX account ( ending in XXXX ) to my Bank of America checking account. The transfer was successful and posted to my BoA account, which is confirmed by my online banking statement and XXXX transaction history. 

Shortly after the deposit, Bank of America froze my funds and then closed my account, claiming they could not verify the source of the funds. I was told the funds would either be returned to XXXX or a cashiers check would be issued. In XXXX conversation, a Bank of America agent told me they would not send me a check and instead would send the funds directly back to XXXX. To this day, that still hasnt happened. 

XXXX has confirmed in writing that no return has been received and advised me to follow up with Bank of America. On XX/XX/year>, I spoke to a BoA representative named XXXX, who confirmed the {$79000.00} was moved to a holding account and a check was attempted on XX/XX/year> but it was never processed because the department responsible was closed at the time. 

Ive spent months contacting both institutions, but I still do not have my funds, a check, or confirmation of any return. Ive received conflicting information, no follow-up, and no resolution. 

I am requesting : XXXX. Immediate reissuance of the full check for {$79000.00} or verified confirmation the funds were returned to XXXX. 
XXXX. Written documentation from Bank of America showing the current status of the funds. 
XXXX. A formal explanation as to why the check was never processed and why I was misled about the resolution. 

This has created serious financial stress and unnecessary delays, and Im requesting the CFPBs help in resolving it.

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 2025-07-10 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: CT

Complaint narrative:
Despite submitting an official FTC Identity Theft Report, supporting documentation, and written disputes under 15 U.S.C. 1681c-2, Equifax reinserted the fraudulent XXXX XXXX XXXX tradeline without notifying me in writing as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was previously removed due to confirmed identity theft, yet Equifax violated the FCRA by allowing its reinsertion without the legally mandated notice and without new certification of accuracy from the furnisher. 

This account was not opened by me, and XXXX XXXX has failed to provide a signed application or any proof linking me to the digital account creation. The burden of proof lies with the furnisher and CRA, not the identity theft victim. TransUnion and Experian complied. Equifax did not. 

Their actions have caused ongoing credit harm, stress, and financial obstructionall after I followed the exact legal steps required under federal law. Their noncompliance with the FCRA is not only negligent but now verging on willful, subjecting them to civil liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
My information for my credit report was exposed and involved in a XXXX XXXX Breach Experian 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 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 2025-07-10 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: VA

Complaint narrative:
A collection account was reported by XXXX XXXX XXXX ( XXXX ) for {$1400.00} allegedly owed to XXXX XXXX XXXX ( XXXX ). This debt is inaccurate. The account was opened after I moved out of the serviced address. XXXX backdated the charges and associated the account with a meter I never used. I closed my original XXXX account in good standing when I relocated. 

The same debt was previously reported by XXXX XXXX XXXX and deleted from my credit file after a prior dispute. On XX/XX/year>, I sent a certified dispute and debt validation request to XXXX. On XX/XX/year>, I sent a formal demand for deletion under the FCRA, followed by a cease and desist letter on XX/XX/year>. XXXX only response was a copy of an old bill from XXXX, which does not constitute proper validation under the FDCPA. 

Despite the ongoing dispute and lack of proper validation, the account was reported to Experian, Equifax, and TransUnion in late XXXX, negatively impacting my credit during a mortgage process. I have submitted prior disputes to the credit bureau ( XXXX ), yet the item remains. I am requesting the immediate deletion of this unverifiable and inaccurate collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint against Experian for failing to conduct a proper and lawful investigation of multiple disputed items on my consumer credit report. Despite submitting prior disputes, Experian continues to report inaccurate or outdated information, including accounts that were previously discharged or challenged.

The dispute responses reference automated systems and do not provide any documentation verifying the accuracy of the information. This raises serious concerns about Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding their duty to perform a reasonable investigation and provide evidence supporting their reporting. 

I am requesting a thorough, manual review of my disputes by a human representativenot through automated or third-party systemsand a full correction or deletion of unverifiable data.

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 2025-07-11 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: MI

Complaint narrative:
Issue : Debt was not mine / No validation received Company Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX and Associates What happened : I am reporting both XXXX XXXX XXXX XXXX and XXXX and Associates for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Both companies are reporting collection accounts to TransUnion without ever having mailed me the legally required debt validation notice within 5 days of initial contact, as required by 15 U.S. Code 1692g ( a ). I did not receive any communication from either party via U.S. mail before or after the debts were reported, despite exercising my right to dispute the debts.

These actions violate : FDCPA 809 ( a ) for failure to provide written notice FCRA 623 ( a ) ( 1 ) ( A ) for furnishing inaccurate or unverifiable information to credit reporting agencies The accounts in question are : XXXX. XXXX XXXX XXXX XXXX, reporting a {$5600.00} debt originally from XXXX XXXX. XXXX and XXXX, reporting a {$1000.00} debt from XXXX XXXX XXXX XXXX I am demanding immediate deletion of both accounts from my credit file, as they were never properly validated, and continued reporting is unlawful. These collections are negatively affecting my credit and were never substantiated as legally collectible debts. 

Requested resolution : Immediately delete the accounts from my credit report Provide written confirmation of deletion Cease all further collection activity Attachments : TransUnion credit report ( dated XX/XX/year> )

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 2025-07-10 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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