vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is submitted against Equifax XXXX XXXX XXXX, Experian Information Solutions , Inc., and TransUnion LLC for continued reporting of bankruptcy information that has been deleted at the source and is no longer verifiable. 

XXXX XXXX XXXX public records data provider used by the credit bureauscompleted a reinvestigation and removed all bankruptcy records associated with my consumer file. This deletion has been confirmed in writing. Once the source deleted the record, the bankruptcy became legally unverifiable and non-reportable. 
Despite this confirmed deletion, Equifax, Experian, and TransUnion have continued to report the bankruptcy on my credit reports.

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to delete information that can not be verified after dispute The credit bureaus have no permissible purpose or lawful basis to continue reporting information that the original data provider no longer maintains or verifies. Continued reporting is inaccurate, misleading, and harmful.

I am requesting that the Consumer Financial Protection Bureau : 1. Require immediate deletion of all bankruptcy references from Equifax, Experian, and TransUnion 2. Require written confirmation of deletion from each bureau 3. Investigate the bureaus continued reliance on deleted public-record data I am prepared to pursue all available remedies should this matter not be resolved promptly. 

Thank you for your attention to this matter. 

Respectfully, 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 2025-12-27 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: AL

Complaint narrative:
I recently disputed XXXX XXXX with all three credit reporting agencies Experian, Equifax and TransUnion with the same information. Experian has deleted the XXXX XXXX collection account after reinvestigation. Experian, TransUnion and Equifax are reporting inaccurate and unverifiable information about Western Funding as ( XXXX XXXX XXXX XXXX XXXX ). On XX/XX/year> Experian deleted the XXXX XXXX from my credit report. Not sure why Experian, TransUnion or Equifax are reporting XXXX XXXX XXXX ( XXXX XXXX ) as active. I sent out certified cease and desist letter on XX/XX/year> to cease all communication from harassment with excessive calls, texts messages and emails unless providing proof of the debt, the original creditor or their legal right to collect. Continuing to report this unvalidated debt violates the XXXX XXXX XXXX ( XXXX XXXX. XXXX ). XXXX XXXX XXXX ( XXXX XXXX ) account : 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 2025-12-27 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: DE

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and unverified information being reported on my consumer credit report.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute information that is inaccurate, incomplete, or can not be properly verified. I previously requested validation and verification of the account ( s ) in question, yet the furnisher continues to report this information without providing sufficient evidence that the account is accurate, belongs to me, or is being reported correctly.

Specifically, the account ( s ) being reported contain one or more of the following issues : Failure to provide proper verification or original documentation Inaccurate account details ( dates, balances, status, or ownership ) Reporting information that does not meet the standards of maximum possible accuracy Continued reporting without lawful validation If the furnisher can not provide competent evidence proving the accuracy and ownership of the account ( s ), I am requesting that the information be deleted immediately from my credit report.

I am requesting that the CFPB investigate this matter and ensure compliance with federal consumer protection laws. Please require the furnisher to either : Provide full and proper verification, including original documentation, or Permanently delete the account ( XXXX ) from my credit file from these companies XXXX Net Credit - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is submitted against Equifax XXXX XXXX XXXX, Experian Information Solutions , Inc., and TransUnion LLC for continued reporting of bankruptcy information that has been deleted at the source and is no longer verifiable. 

XXXX XXXX XXXX public records data provider used by the credit bureauscompleted a reinvestigation and removed all bankruptcy records associated with my consumer file. This deletion has been confirmed in writing. Once the source deleted the record, the bankruptcy became legally unverifiable and non-reportable. 
Despite this confirmed deletion, Equifax, Experian, and TransUnion have continued to report the bankruptcy on my credit reports.

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to delete information that can not be verified after dispute The credit bureaus have no permissible purpose or lawful basis to continue reporting information that the original data provider no longer maintains or verifies. Continued reporting is inaccurate, misleading, and harmful.

I am requesting that the Consumer Financial Protection Bureau : 1. Require immediate deletion of all bankruptcy references from Equifax, Experian, and TransUnion 2. Require written confirmation of deletion from each bureau 3. Investigate the bureaus continued reliance on deleted public-record data I am prepared to pursue all available remedies should this matter not be resolved promptly. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is submitted against Equifax XXXX XXXX XXXX, Experian Information Solutions , Inc., and TransUnion LLC for continued reporting of bankruptcy information that has been deleted at the source and is no longer verifiable. 

XXXX XXXX XXXX public records data provider used by the credit bureauscompleted a reinvestigation and removed all bankruptcy records associated with my consumer file. This deletion has been confirmed in writing. Once the source deleted the record, the bankruptcy became legally unverifiable and non-reportable. 
Despite this confirmed deletion, Equifax, Experian, and TransUnion have continued to report the bankruptcy on my credit reports.

This conduct violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to delete information that can not be verified after dispute The credit bureaus have no permissible purpose or lawful basis to continue reporting information that the original data provider no longer maintains or verifies. Continued reporting is inaccurate, misleading, and harmful.

I am requesting that the Consumer Financial Protection Bureau : 1. Require immediate deletion of all bankruptcy references from Equifax, Experian, and TransUnion 2. Require written confirmation of deletion from each bureau 3. Investigate the bureaus continued reliance on deleted public-record data I am prepared to pursue all available remedies should this matter not be resolved promptly. 

Thank you for your attention to this matter. 

Respectfully, 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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
b"XXXX]\n[Bank of America]\nXXXX XXXX XXXX XXXX PA XXXX]\nAttn: Fraud Department / Legal Department\nRe: Formal Demand for Reimbursement - Account Numbers XXXX XXXX XXXX XXXX,\n XXXX XXXX XXXX XXXX]\nOn [three months ago], I discovered I was the victim of a sophisticated identity theft and fraud scheme. Criminals impersonating Microsoft technical support, Social Security Administration employees, and bank representatives deceived me into providing my account number. These criminals then:\n1. Made XXXX in unauthorized credit card charges on my account\nI immediately reported this fraud to:\n- Your bank's fraud department on [XXXX]\n- Local police (Report #XXXX]) on XXXX\n- FBI (Report #XXXX]) on [9/30/25]  \n- Federal Trade Commission (Report #[XXXX]) on [XXXX]\nFEDERAL LAW VIOLATIONS:\nYour bank has violated multiple federal consumer protection laws:\n1. REGULATION E (12 CFR  1005) - Electronic Fund Transfer Act\n   - You failed to provide written explanation for denial as required by 12 CFR  1005.11(d)(1)\n   - You failed to properly investigate unauthorized transfers within required timeframes\n   - You improperly denied claims for clearly unauthorized transactions\nYou froze my accounts without legal justification\n   - I am the VICTIM of fraud, not the perpetrator\n   - This freeze violates your deposit agreement and Pennsylvania banking law\nFORMAL DEMAND:\nI hereby demand the following within XXXX XXXX XXXX XXXX of receipt of this letter:\n1. Full reimbursement of XXXX XXXX  credit card + XXXX loan)\n2. Immediate restoration of full access to my checking and credit card accounts\n3. Written confirmation that no negative information has been or will be reported to credit bureaus\n4. Written explanation for your initial denial, as required by Regulation E\n5. Compensation for damages caused by wrongful account freeze\nLEGAL CONSEQUENCES OF NON-COMPLIANCE:\nIf you fail to comply with this demand, I will immediately:\n1. File formal complaints with:\n   - Consumer Financial Protection Bureau (CFPB)"

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 2025-12-27 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
i contacted american express thru chat to transfer my overpayment of XXXX from card ( XXXX ) to card ( XXXX ), the first thing i mention i didnt have the card it was downstairs ( im XXXX ) so i couldnt go downstairs to get the card, i verify all my info and the agent was giving me a hard time about not having the card to verify me i asked the agent was there any other way to verify me through a text or email, the way he treated me for being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX decided that i didnt have to take the abuse so i cancel the card, the rep didnt say thanks or nothing soon as he was done he ended the chat. i called in and the lady said she can do the transfer i checked on line later that day and they put the transfer down as a dispute so i called back the rep assured me that everything was setup to transfer the XXXX. Check later this evening the transfer been cancelled called back again the rep said he will set it up to be transfer never in my life have i been treated like XXXX  just to do a simple transaction american express should be ashamed on how they treat a disable XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
purchased a {$200.00} XXXX XXXX prepaid card at XXXX using my Capital One credit card. The card was fraudulently compromised before activation, and the full {$200.00} had already been used when I tried to activate it. 

I attempted to dispute this charge directly with Capital One, but they denied my claim, incorrectly stating the charge was my fault. 

I am requesting a full reversal of the {$200.00} charge to my Capital One credit card under the Fair Credit Billing Act, as the card was unusable and the funds were stolen before I could use them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a business savings account locked around XX/XX/XXXX. I was able to deposit funds, but as soon as I tried to transfer those funds out I found out that I could not get the money out.

I called Capital One numerous times over the following months. I was not given any information on why the funds were frozen for 5+ phone calls. I was simply told that the account was under investigation, but that the investigator wasn't available. 

On XX/XX/XXXX, I talked to numerous customer service reps before I learned that certain business documents were required to unlock the account. I sent the requested documents.

A few weeks later, on XX/XX/XXXX, I called again to try to unlock the account. I went through a similar hour long process of being on hold that resulted in me learning that I needed to put a Case no in the email, which I had not been told the first time. I then resent the documents. 

On XX/XX/XXXX, I went through the same process of sitting on hold for an hour and talking to numerous reps to get to someone with any idea about my case. I was then told about another document that needed to be sent and reviewed. I was also told of a completely different email to send the documents to. I sent that on the same day. On this email, I received an auto-response saying that it had been received. 

On XX/XX/XXXX I called and was told that another document was missing, one that I had already emailed. I resent this one. 

On XX/XX/XXXX, I received an email telling me to send documents that I had already sent, in response to a phone call that I had that day. It also claimed that the investigator had been requested to reach out. I never had anyone reach out.

I called in XX/XX/XXXX and was told all of the same things as before : that the rep would put notes on my file, that I could not talk to the investigator directly, and that this should be resolved. Nothing has been done.

Every time I have called, I have been assured that this will be investigated. I have been told that there are notes on my account that the investigator will reach out directly to me. That has never happened. This process has been one of the most frustrating, in which anytime I want an update I need to give an hour of my day to sit on the phone and learn the same thing that I had been told the month prior. Nothing can ever be done by me nor the reps I am talking with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank reported a late payment on my credit report, first of all I do not have an account with Fifth Third Bank, so what they are reporting is inaccurate information. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NV

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$2100.00} into my Chase checking account. On XX/XX/XXXX, Chase issued a notice placing a hold on these funds until XX/XX/XXXX. 
The reason provided by Chase for this hold is that " the information we have indicates the deposited check ( s ) may not be paid. '' However, this reason is factually incorrect and baseless. I have verified with the remitter ( my employer ) that the funds were already successfully debited and cleared from their bank account on XX/XX/XXXX. 
Despite the funds having already cleared the paying bank, Chase continues to deny me access to my income. This unreasonable delay is causing me extreme financial hardship, as I have a rent payment due on XX/XX/XXXX. Without access to my cleared funds, I will be unable to pay my rent and may face eviction or late fees. 
I am requesting Chase to manually verify the cleared status of this check with the paying bank and release the hold immediately so I can meet my financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
I had money sent to my skrill account but I dont have one verified yet and cant touch or access the money.

Company response to consumer: Closed with explanation