vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF OMAHA
State: IA

Complaint narrative:
On XX/XX/XXXX XXXX I deposited {$400.00} into my checking account at an FNBO ATM on XXXX XXXX in XXXX, XXXX, XXXX. 
I deposited {$400.00} in {$20.00} bills. The ATM took all the bills then I got a receipt stating that only {$120.00} had been deposited to my checking account. Then I got another receipt from the ATM stating We encountered a problem returning your cash ; call your financial institution. 
I called my banks XXXX number that evening and filed a dispute. They said that they would give me a temporary loan for the {$280.00} the ATM didnt deposit in my account within 2-3 days. 
I called my bank on XX/XX/year> to check on dispute. I just called my bank and spoke to the manager. He said the ATMs dont belong to FNBO and they have to have the ATM service company come and count out the ATM money to find my {$280.00}. This is unacceptable. I deposited the {$400.00} to use on XX/XX/XXXX and it appears it could now take up to 10 days or more for the bank to give me a temporary loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Regions Banks denial of a valid dispute I submitted for an unauthorized or accidental transaction in the amount of {$71.00}, posted on XX/XX/year>, to my debit card ending in XXXX. 



The charge was made to the XXXX app, and I immediately realized I had accidentally clicked on a subscription. I canceled the subscription on my XXXX right away and called Regions Bank the same day the charge appeared as pending. I was told by a representative that since the charge was pending, nothing could be done at that moment. I was advised to wait until it posted and then file a dispute. 



I followed their instructions, and once the charge posted, I submitted the dispute. I also contacted the merchant directly via email to request a refund, further showing my intent to correct the mistake and avoid the charge. 



Despite all these timely and responsible actions, I received a letter from Regions Bank ( Claim ID : XXXX ) denying my request, stating that the transaction was authorized. This decision is unjustified, considering : I acted immediately and in good faith to cancel the subscription. 
I called Regions Bank on the same day the charge appeared. 
I contacted the merchant ( XXXX ) by email, requesting a refund. 
The transaction clearly resulted from an accidental click, which I attempted to reverse within hours. 


Regions Banks refusal to issue a credit disregards these facts and unfairly penalizes me, despite my efforts to prevent the charge and correct the mistake. 



What I Am Requesting : I respectfully request that the CFPB review this matter and assist in holding Regions Bank accountable for denying this dispute, even after I took all necessary steps within the timeframe provided. I am requesting a full reimbursement of {$71.00}, and that Regions be reminded of their duty to protect consumers from accidental and unauthorized charges. 



Attached is a copy of the denial letter from Regions Bank and the emails sent to XXXX  requesting a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I recently review a copy of my credit report and noticed i have a fraudulent account that doesnt belong to me, please remove the account from my report, its financially hurting me, my family and our ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian and Equifax many many times through their fraud department, they reinserted fraudulent accounts when I have uploaded them and mailed out all supporting documents and refuse to remove them. They have been conducting sham investigations over and over again and not removing other accounts that I have reported as fraudulent. It has been an ongoing problem for 3 months now and I'm so tired of it. I can not apply for a mortgage due to these negative fraudulent accounts and Experian and Equifax refuse to help me and remove and block the items. they are violating 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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out regarding a collection account that has been reported on my credit profile. I am disputing the validity of this entry and requesting its immediate deletion. The presence of this account is XXXX  impacting my XXXX XXXX and does not reflect my actual financial 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 2025-07-02 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am filing this complaint regarding unauthorized hard credit inquiries on my consumer credit file that were neither initiated nor approved by me. Between XXXX and XX/XX/year>, I identified multiple inquiries on my Equifax and Experian credit reports from companies I have no relationship with and never authorized. I did not apply for new credit or services during that time. 

I promptly filed disputes with both bureaus but received either template rejection letters or no adequate resolution. The inquiries remain, despite being unauthorized and in clear violation of the FCRA ( Fair Credit Reporting Act ).

These actions have negatively impacted my credit profile, and I am requesting that the Consumer Financial Protection Bureau review this complaint and direct the reporting agencies to ( 1 ) provide a full explanation of how these inquiries were permitted, ( 2 ) delete any unverified and unauthorized inquiries, and ( 3 ) provide confirmation of corrective action.

I am also requesting that the involved parties be investigated for failure to uphold fair and legal consumer credit reporting practices under 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 2025-07-02 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: OR

Complaint narrative:
I am filing this complaint regarding unauthorized hard credit inquiries on my consumer credit file that were neither initiated nor approved by me. Between XXXX and XX/XX/year>, I identified multiple inquiries on my Equifax and Experian credit reports from companies I have no relationship with and never authorized. I did not apply for new credit or services during that time. 

I promptly filed disputes with both bureaus but received either template rejection letters or no adequate resolution. The inquiries remain, despite being unauthorized and in clear violation of the FCRA ( Fair Credit Reporting Act ).

These actions have negatively impacted my credit profile, and I am requesting that the Consumer Financial Protection Bureau review this complaint and direct the reporting agencies to ( 1 ) provide a full explanation of how these inquiries were permitted, ( 2 ) delete any unverified and unauthorized inquiries, and ( 3 ) provide confirmation of corrective action.

I am also requesting that the involved parties be investigated for failure to uphold fair and legal consumer credit reporting practices under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: IN

Complaint narrative:
Person called from XXXX. Returned the call. Advised company to send validation as sent is for spouse and not me. Person on phone stated that no time to send via mail and only email. I advised that I would need it via mail for paper trail. She states no time as it is moving to an attorney office to start the garnishment. I believe this is a violation of fdcpa as she can't guarantee a garnishment will happen. I asked for a transcript of the call so I can review it to ensure fdcpa was followed and she refused. At the end she stated she will mark this as a refusal to pay. During the call she also said when you signed for this however I did not sign for it and it was in fact my wife. At the end she hung up by saying good luck. 

I believe this call has violated my rights under fdcpa. First saying that I signed when in fact I did not. Second saying garnishment will happen when sending to a third party who may or may not proceed with a garnishment. Third staying marking as a refusal to pay which is a threatening tone .. fourth stating good luck at the end of the call. Company is structural 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Please help me investigate accounts from these companies that inaccurately show late payments on my credit report. I have checked my report and found some accounts with incorrect late payment notations. These accounts should have no late payment remarks. Kindly remove these remarks and update the accounts as agreed to positive status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to dispute a late payment listed on my credit file. My payment records show that this payment was submitted on time, and I am concerned this may be a mistake in processing or reporting.

Company response to consumer: Closed with explanation