vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing continued reporting of an XXXX XXXX XXXX account related to an XXXX XXXXXXXX XXXX XXXX XXXX own written response to my prior CFPB complaint states : Date of First Delinquency ( DoFD ) : XX/XX/XXXX XXXX purchased the account : XX/XX/XXXX On XX/XX/XXXX, XXXX submitted XXXX requesting deletion of their tradeline with all XXXX ( they provided XXXX  ref. # XXXX XXXX and XXXX ). 

Despite the furnishers deletion request, your bureau still shows the XXXX tradeline. This is inaccurate under FCRA 623 ( a ) ( 1 ) ( A ) and must be corrected under FCRA 611 ( a ). Please : 1. Delete the XXXX tradeline immediately and cease any future reporting of it, 2. Send me written confirmation and an updated copy of my credit file, and 3. Retain the original DoFD of XX/XX/XXXX for any related original-creditor tradeline to prevent re-aging. 

I have attached : ( a ) XXXX CFPB response confirming the deletion order and XXXX  numbers, and ( b ) my current credit report pages showing the account still appears. 
Continued reporting after a furnishers deletion order is a willful failure to maintain accurate files under FCRA 616617.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 am submitting this formal complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Transunion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the account in question include XXXX XXXX XXXX XXXX which XXXX XXXX XXXX confirmed would be removed but remains on my report ; It is identity theft-related and should have been blocked under 1681c-2 of the FCRA. XXXX refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX someone attempted to open a Sychrony Bank PayPal credit card which was denied. They attempted again on XX/XX/XXXX and succeeded. Multiple transactions were made. I contacted PayPal, sychrony, and all three credit bureau as well as XXXX. All have launched an investigation. They used my name, XXXX, address and social to open the accounts. I am unsure what proof of identity was used.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have no knowledge of opening a chase, XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: OH

Complaint narrative:
I was getting work done on my daughters car. When i applied for the loan, i was given a monthly payment of {$210.00}, so i told the mechanic to go ahead. When the work was done and i signed to finalize the loan, the monthly payment ended up being {$440.00}. I was stuck and had no choice but to sign the papers so i could get my car. I feel this is unfair business practices and violates the truth in lending practices. I have not made the first payment and dont plan to, even tho i know its going to affect my credit score. I will dispute this when it does. I went thru this with another company named XXXX. Ive read thru the complaints here and theyre all the same. I feel a class action lawsuit needs to be started against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off on or about XX/XX/year>, as reported on my Transunion Credit report. According to the FCRA, this negative information should be reported as a single event and should not be continually re-aged. 
Despite the account being charged off and closed, XXXX XXXX XXXX XXXX is fraudulently and maliciously reporting a new " charge off '' status every single month to the credit bureaus ( XXXX, Equifax, and XXXX  ). This is not an isolated error ; it is a systemic and ongoing practice of re-aging a debt to keep the negative information current and to inflict maximum damage on my credit score.

This practice is a clear violation of 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to provide accurate and complete information to consumer reporting agencies and prohibits them from reporting information they know or have reasonable cause to believe is inaccurate. By reporting a new charge-off every month, XXXX XXXX XXXX XXXX is knowingly furnishing false and misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: PR

Complaint narrative:
The following account : GS Bank USA ( Credit Card ) opened an account on XX/XX/year>, without my authorization. I have called and disputed them, and they have not resolved the issue. They are charging me {$1300.00}, which right now says it has an outstanding balance of {$1400.00}. That account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-28 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Experian for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal 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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third account ( Acct ending XXXX XXXX XXXX XXXX XXXXXXXX ). The check was drawn on XXXX XXXX XXXX XXXX XXXX, check XXXX XXXXXXXX, dated XX/XX/XXXX, payable to me by XXXX XXXX. 
Fifth Third placed a hold on the funds until XX/XX/XXXX, citing : Confidential information that check may not be paid. 
However, I have obtained proof from the issuing bank that the funds were debited from the payors account on XX/XX/XXXX ( XXXX XXXX # XXXX, check withdrawal # XXXX ). This demonstrates that : The check was valid and cleared by the issuing bank. 
Fifth Third has already received the funds. 
The ongoing hold is not for risk mitigation but to leverage float, withholding access to my own money. 
This constitutes : Violation of Regulation CC ( 12 CFR Part 229 ) :
Holds may not be applied once funds have cleared the paying bank. Fifth Thirds notice does not meet the definition of a permissible exception hold. 
Unfair and deceptive practices : By claiming the hold is for my protection, when in fact it is Fifth Third benefiting from withholding cleared funds.

Consumer harm : I was counting on these funds to cover medical expenses, and Fifth Thirds unlawful hold has directly caused financial and personal disruption. I am requesting : Immediate release of the
{$5000.00} into my account.

Full refund of any fees or penalties caused by Fifth Thirds unlawful hold. Regulatory review of Fifth Thirds hold practices, particularly their use of vague confidential information to justify holding funds that h
ave already been paid by the issuing bank.

Fifth Thirds hold notice ( dated XX/XX/XXXX ). 
Proof from XXXX XXXX XXXX XXXX XXXX showing withdrawal of {$5000.00} from the payors account on XX/XX/XXXX, with check image # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I got a gift card for my apartment from AMEX virtual rewards. Ive been trying to use this card and its been getting declined everywhere and I cant use the {$500.00} debt was on the card. I was only able to use it for XXXX which the remaining balance on the car is {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
Missed 30-Day FCRA Deadline Request Immediate Deletion My name is XXXX XXXX XXXX This complaint concerns inaccurate items on my credit file. I submitted a direct dispute to the credit bureau and provided identity/address verification and supporting documents. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( FCRA 611 ), the bureau was required to complete its reinvestigation within 30 days ( or 45 days only if I provided additional information during the investigation ). 

Today is XX/XX/XXXX, XXXX 30 days ( 42 days ) since my dispute ( filed XX/XX/year> ). I have not received compliant reinvestigation results. Because the bureau failed to verify the disputed information within the FCRA timelines, any information that can not be verified must be deleted under 611 ( a ) ( 5 ). I am requesting that the CFPB require the bureau to : Delete all disputed items that were not verified within the required timeframe ; Provide the written results of the reinvestigation and a free updated credit report as required by 611 ( a ) ( 6 ) ; and Provide the method of verification for any item the bureau claims remains verified ( 611 ( a ) ( 6 ) ( B ) ( iii ), 611 ( a ) ( 7 ) ). 

CFPB Complaint # : 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 2025-08-28 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: TX

Complaint narrative:
I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Unauthorized hard inquiries that are not attached to any accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the wrongful repossession of my vehicle. The vehicle in question was fully paid off, and I was in possession of the clear title in my name at the time it was taken. Despite having satisfied the loan in full and having documentation proving ownership, the lender or their agents repossessed my vehicle without cause. 
This repossession was unlawful, as there was no outstanding balance owed, no delinquency, and no legal right for the lender to seize the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Pursuant to 15 U.S.C. 1681s-2 ( b ), 1681c-2, and 605B of the FCRA From : XXXX XXXX XXXX Executor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX ] Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Blocking Demand Account Number in Dispute : XXXX Notice of Identity Theft This letter serves as my formal request, pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), to block all fraudulent information relating to the above-referenced account.

I do not recognize or authorize the purported late payment dates being reported.

This constitutes Identity Theft under the FCRA.

The furnisher has failed to provide a verified contract with my wet-ink signature or lawful proof of liability.

Legal Obligations Under 15 U.S.C. 1681s-2 ( b ), furnishers must investigate and correct inaccurate information.

Under 15 U.S.C. 1681c-2, the credit bureaus are required to block and remove fraudulent information within 4 business days upon receipt of this identity theft report.

Continued reporting after notice constitutes willful non-compliance, subjecting bureaus and furnishers to liability under 15 U.S.C. 1681n/o.

Notice and Demand I demand : Immediate blocking and deletion of all fraudulent late payment entries on Account Number : XXXX. 

Written confirmation that these items have been permanently removed and will not be reinserted. 

Notice to all furnishers that fraudulent information relating to this account is prohibited from future reporting. 

Enclosures FTC Identity Theft Report ( filed on XX/XX/XXXX ) Copy of my government identification Copies of billing error disputes and XXXX XXXX Mail receipts Sincerely, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
XXXX LIED to get my business and couldn't hold up to to their end when the time came for refinance AND then bungled the payoff by sending a payoff quote to Rocket Mortgage AND a duplicate insurance payment on a policy that wasn't due for renewal until XXXX all in the same week ALL BECAUSE XXXX TOLD ME TO LEAVE XXXX  AS THE MORTGAGE COMPANY FOR THE NEW POLICY I HAD TO PURCHASE SO OF COURSE XXXX COULDN'T BE BOTHERED TO CHECK TO SEE IF AN INSURANCE PAYMENT WAS REALLY NEEDED. 

And now, come to find out, XXXX XXXX lied too because I was supposed to skip TWO mortgage payments- XXXX AND XXXX. 

Now I have to come up with another payment to XXXX for XXXX AND pay a late fee. It's really XXXX, but, Rocket Mortgage helped mess this up and then lied about emailing me when the payoff was returned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I intended to pay just principal and they charged me a whole payment with interest. They didn't refund the payment and couldn't promptly speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief