vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-23 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Multiple documented attempts to contact the creditor and request a debt verification as well as the account number so I could even pay the debt all ignored by creditor. Creditor has refused to respond to any communication from me. Seemingly with the sole intent to punish me for the debt rather than resolve the matter in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: American Credit Acceptance, LLC
State: IA

Complaint narrative:
I have asked on numerous occasions for the car to be surrendered and for them to pick it up and they have yet in over 9 months picked it up I can register the vehicle and it does not run

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
This dispute involves a Citi Cards / Citi Bank account with a balance of approximately {$260.00}. I am a survivor of XXXX  XXXX  and a participant in a state Address Confidentiality Program. Pursuant to the Debt Bondage Repair Act ( DBRA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681c-3, any adverse information resulting from XXXX XXXX is prohibited from being reported on a consumer credit file.

This specific debt was incurred as a direct result of XXXX  and is legally void. I have formally notified the creditor via email of my survivor status and provided a mandatory communication directive under the Fair Debt Collection Practices Act ( FDCPA ), requiring all contact to be via email due to my participation in an Address Confidentiality Program. Despite this, the account remains reported as a " Charge-Off. '' Furthermore, I have demanded validation of the debt under FDCPA 809 ( b ), including proof of agency authority and original creditor documentation, which has not been provided. The continued reporting of this debt while it is disputed and lacks validation violates the FCRA and FDCPA.

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 2025-12-23 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Please review the supplied information ; the inquiries came in unexpectedly and could lack authorization.

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 2025-12-23 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:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. Below are the accounts that I am disputing, separated by bureau, as well as other relevant information. Please review the discrepancies and investigate them thoroughly. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TX

Complaint narrative:
Complaint details : Relay Financial unilaterally closed the business account held by XXXX XXXX XXXX XXXX, a Texas limited liability company formed on XX/XX/year>, while retaining funds derived from legitimate business activity. 

After the account closure, Relay Financial continued to condition the release of the companys funds on documentation requirements that are impossible to satisfy due to the account being closed. Relay rejected a bank statement solely because it was issued by a XXXX  rather than a traditional bank, and then demanded additional documents such as a lease agreement, utility bills, insurance documents, or credit card statements. 

These requested documents are lawfully issued under the name of the companys registered agent and owner, which is a valid and common business structure. Additionally, XXXX  XXXX XXXX XXXX does not maintain a credit card, making that request inapplicable. 

By withholding the companys funds under these circumstances, Relay Financial is engaging in unfair and abusive acts or practices in violation of UDAAP standards under 12 U.S.C. 5531 and 5536, as well as CFPB supervisory expectations requiring financial service providers and fintech programs to promptly return remaining balances after account closure. 

Moreover, AML/KYC obligations under the Bank Secrecy Act ( 31 U.S.C. 5311 et seq. ) do not authorize a XXXX or its partner bank to indefinitely retain funds once an account has been closed and the customer has already been identified. 

Relay Financial has failed to provide a lawful basis for retaining the funds of XXXX  XXXX XXXX XXXX and has not offered a clear or timely method for disbursement. This prolonged retention has caused financial harm and operational disruption to the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. The balances or account statuses appear to be incorrect or outdated. Please review and correct these entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am an owner of a property encumbered by a lien recorded in XXXX by Huntington National Bank for a home equity line of credit in the names of XXXX XXXX XXXX and XXXX XXXX. Neither my husband nor I were borrowers, co-borrowers, guarantors, or signers on this line of credit, and we have never assumed this debt. The borrowers divorced in XXXX. XXXX XXXX passed away in XXXX. To my knowledge, Huntington did not properly resolve or enforce this lien through the borrower 's estate. Ownership of the property transferred as follows : * In XX/XX/XXXX, my husband received a 50 % interest via quitclaim deed. * In XX/XX/XXXX, upon closure of probate, my husband received the remaining 50 % interest. * In XX/XX/XXXX, my name was added to the title. Despite the borrowers ' divorce, the death of one borrower, and the passage of more than 20 years since the lien was recorded, Huntington continues to maintain this lien against the property without providing documentation establishing a legal basis for doing so against the current owners. I sent certified letters to Huntington 's Lien Department on XXXX XXXX, and to Huntington 's Legal Department and Executive Customer Relations on XXXX XXXX, requesting validation of the lien or its release. Huntington has failed to acknowledge or respond to these certified notices. Huntington 's failure to respond and continued maintenance of this lien has created a cloud on the title and interferes with our property rights as non-borrower owners. I am requesting regulatory assistance to require Huntington to either : * Provide written documentation establishing the legal basis for maintaining this lien against the current owners, including any instrument bearing our signatures; or * Release the lien promptly if no such legal basis exists. This complaint is submitted in good faith for the purpose of resolving a longstanding title defect on property owned by individuals who are not borrowers on the underlying debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I recently opened an online checking account with fifth third Bank. The account was opened XXXX. I received a voicemail from XXXX at fifth third on XXXX asking for me to call her at her direct line XXXX to verify my account. A few days later my account access was locked out. I called fifth third fraud department on XXXX to speak with the fraud department and was informed I need two forms of ID and to verify my social security number physically at a bank. I stopped at fifth third Bank location on XXXX XXXX XXXX XXXX in XXXX XXXX on XXXX and interacted with personal banker XXXX XXXX XXXX. Whom I presented two forms of valid ID to and verified my social security number with. XXXX called the fraud department and they would not unblock my account or give me access to my funds. I then called XXXX ( fraud representative who blocked my account ) and spoke with her and her supervisor about unlocking my account and they asked I return bank to the bank and the representative contact the fraud department again to attempt to unblock my account. Supervisor was not able to answer the questions I presented to her. As to why they are locking my account and not allowing me to access my funds when I have proven to them I am the account holder. I have provided fifth third Bank with the documentation they requested and verified I am the account holder. They are still refusing to unblock my account and release me the funds on the account. They are still not giving me an explanation on why they locked my account, besides the vague answer of we need to verify my identity. Fifth third Bank is acting in bad faith by not giving me access to my account funds and locking me out of my checking account. I also requested fifth third closer me account and dispurse my monies and the refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal complaint against Experian regarding inaccurate reporting of the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian reports this account as charged off, yet it continues to show a past-due balance, ongoing balance updates, and a credit limit despite the account being closed. This information is contradictory, misleading, and materially inaccurate. 

I disputed these errors with Experian, but the inaccurate information remains. Experian failed to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ).

I request that the CFPB require Experian to conduct a lawful investigation and delete this account if it can not be fully verified with accurate status, balance, and dates. 

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXXRe: Cash App account closure. XXXXTo whom it may concern, \XXXX XXXX XXXX has had a Cash App account since XXXX XXXXIve never violated any terms or had anything suspicious with my account activity. XXXXRecently, I was attempting to send my stepson money as Ive always done. (Attached transaction history included) and was informed my account was closed. Ive never received any communication alerting me of this closure or false violation of terms. Ive reached out to customer service since noticing this XXXX XXXX and have yet to hear anything back. Ive reached out 3 more times since and the automated response indicates the same script. XXXXI have a never had any issues so why my account would suddenly be closed. Ive asked for what the alleged violation was, and no response is ever provided. The customer service is very lacking and not helpful as its all via automated scripted prompts. XXXXCan someone please assist me with getting this matter resolved. XXXXMy transaction history and contact information is provided below. XXXX XXXX XXXX XXXX XXXX XXXX  are one in the same email addresses with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation