vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: MO

Complaint narrative:
I am submitting this complaint due to a series of unresolved and increasingly serious issues with Axos Bank regarding unauthorized ACH withdrawals from my external XXXX checking account. 

Despite revoking ACH authorization in writing on XX/XX/year>, Axos Bank has continued to initiate unauthorized {$50.00} weekly withdrawals from my XXXX account. 

After disputing one such withdrawal with XXXX ( which was reversed ), I was immediately locked out of my

Axos account. I can no longer log in to prevent future debits, review my balance, read prior communications, or withdraw my remaining funds. Axoss online portal provides no way to cancel ACH links or close the account, and multiple attempts to close it have faced significant and unexplained delays. This has made it functionally impossible to stop the debits from my side. 

When I contacted Axos support via the login screen 's chat feature, I was told they could not locate my account, despite the fact that they continue to pull funds from it. I provided both my email and phone number, which they claimed did not map to any account. Yet Axoss system still sent a password reset email, confirming that the account exists. After resetting, login attempts timed out.

Axos has also requested my Social Security number over unsecured chat channels and refused to confirm in writing that these debits would cease. 

I am now unable to access or recover any funds in the accounm, including those pulled in via these unauthorized debits. This effectively traps my money and removes all consumer control. 

I am deeply concerned that these withdrawals now appear retaliatory or exploitative, especially given the revocation of consent, the account lockout, and the ongoing fund extraction. 

I am requesting immediate regulatory attention to ensure Axos Bank is held accountable for these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I signed up for the Chase XXXX XXXX XXXX Credit Card in early XXXX through a friends referral. The referral clearly promised XXXX bonus points after spending {$3000.00} in the first 3 months. I met that spending requirement, but instead of the points I was promised, Chase credited me with three free night awards ( up to XXXX points each ), which expire in XX/XX/XXXX. 

This is not what I signed up for. On XX/XX/XXXX, I called Chase and was told the free nights equal XXXX points. I explained this wasnt the offer I agreed to. I was bounced between Chase and XXXX multiple times, and neither company would take responsibility for correcting the issue. 

I called Chase again on XX/XX/XXXX, and after long conversations with an agent and a supervisor, I was told Chase never gives points only nights. Even though Ive seen similar point-based offers exist, the supervisor refused to honor the referral terms. 

I fulfilled all requirements on my end and met the spending threshold within the required time frame. Chase failed to deliver the offer I relied on when signing up, which has been frustrating and time-consuming. Im requesting that Chase credit the XXXX points to my XXXX XXXX account, as promised in the referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and 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
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THERE ARE UNAUTHORIZED INQUIRES THAT ARE REPORTING TO MY CREDIT REPORT PLEASE REMOVE THEM.

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 2025-09-30 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: NY

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$51.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$51.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$82.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Debanking by BOA has prevented the purchase of our primary residence and refused to honor the Court Enforced Ordered Settlement.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
A case of abusive and deceptive collection tactics. I can not fully recall XXXX years ago. 

The deceptive text message came from Tate & Kirlin Assoc and they put in a # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am a XXXX  citizen. I previously had an account with Fifth Third Bank during my stay in the United States as a traveller student. 

I am now living in XXXX and have recently realized that I still have funds in this account. However, I no longer have access to the account because I do not remember my username or password, and I have been unable to contact the bank by phone or email. 

These funds are my personal savings, and I would like to recover them as soon as possible because there are my economies. I kindly request your assistance in facilitating the process to access my money, including possible options for an international transfer to my bank account in XXXX. 

I will attached all relevant information regarding my identity to support this complaint. I would greatly appreciate your guidance and intervention in resolving this matter promptly. 

Thank you very much for your attention and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I closed my business credit card issued by Chase Bank earlier this year, in XX/XX/year> for business XXXX XXXX. Last week I was notified by a merchant that they had processed a refund of {$500.00} to that closed account. I have contacted Chase Bank multiple times asking for the status of that refund and if they could move the refund credit to one of my open and existing Chase credit accounts. They all claim they can not find any record of my account even though I was able to provide a year end statement for that account which I retrieved online XX/XX/year> for tax purposes. Since then, the account has disappeared completely from my online banking. Phone Support and Secure Messages keep passing me back and forth to each other, both claiming the other one can help. They have not. They say without the full 16 digit account number, there is no way for them to find my account. I shredded my card after cancellation, per their recommendation to " destroy all cards '' and do not have the full account number. I have also previously run into this same issue with Chase Bank, refusing to provide statements for a closed credit card account when I was going through an audit. Federal law requires financial institutions to provide financial records going back 7 years, Chase does not abide by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. 
Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved. 
These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I applied for a reduction in monthly payment amount and was accepted into a repayment program. I selected dates generated from a calendar provided by the company ( Barclays ), setting up a payment arrangement. I have continued to pay on time, and this money has been withdrawn from my account every month since entering the program. 
I called Barclays on XX/XX/XXXX, to verify whether or not it was OK to ignore the due date on XX/XX/XXXX ( my normal due date prior to entering the program ) and only pay on the due date associated with the new payment arrangement. A representative told me it was ok not to pay. 
My account has been reported delinquent despite money being automatically withdrawn from my account, paid on time, as per the agreement of the payment arrangement. 
I received notification in XXXX that I was kicked out of the program, but i was told by multiple representatives that that was a mistake, that I am still in the program and I have also continued to be billed and paid on time each month. 
I have continued to call to get this resolved, and continued to pay on time. 
My account has been reported delinquent and this needs to be reversed. 
Agents have given me ( at various times ) inaccurate, contradictory and misleading information, failed to act numerous times. 
I need the aggregate fees/ delinquent balance associated with this account removed and taken off my credit report. 
I have been advised my Barclays agents to keep paying the {$130.00} associated with the reduced fee program, which I have done. 
Also- my account was current when entering the program. It only became delinquent after I fallowed advice from Barclays agents

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