vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding the mishandling of my account unable to opening and the unprofessional conduct of XXXX XXXX XXXX XXXX, Relationship Banker at First Horizon XXXX XXXX XXXX XXXXXXXX ( XXXX, NC ). 

1. Timeline of Events XX/XX/XXXX : I visited the XXXX XXXX XXXX XXXXXXXX in person to open a new account during an active promotional period. 
XXXX XXXX confirmed that I was eligible and entered my personal information into the system. 
After entering my information, he told me the account could not be opened immediately due to a system review, but assured me that this was not an issue. 
He explicitly instructed me to go to another First Horizon branch that was open on Saturday, XX/XX/XXXX, and stated that he would notify that branch in advance so I could complete the account opening there. If he didnt give a call, I should wait him. 
XX/XX/XXXX XX/XX/XXXX : XXXX XXXX was out of the office for approximately 11 days. During this period : I received no notification No alternative contact was provided No follow-up or written instructions were given As a result, I was unable to proceed with the account opening as promised. 
XX/XX/XXXX : XXXX XXXX returned to work but did not contact me. 
XX/XX/XXXX XX/XX/XXXX : I made repeated attempts to reach him by phone. 
My calls were consistently unanswered. 
XX/XX/XXXX : XXXX XXXX finally answered my call. During this conversation, he stated that : He never said he would notify the other branch He was not a manager He did not have authority to request a promotional extension The failure to open the account was my responsibility ( He blamed me this is all my fault ) These statements directly contradict what he told me on XX/XX/XXXX. 


2. Key Issues This incident involves : Misrepresentation of next steps and responsibilities Failure to communicate or follow up Abandonment of an active customer case due to vacation without handoff Contradictory statements after the fact Improperly shifting blame to the customer At no point was I informed that following his instructions would jeopardize my eligibility for the promotional offer. 

3. Impact I acted in good faith and relied on the bankers instructions. Due to his negligence and lack of accountability, I lost the opportunity to complete the account opening within the promotional window. 

4. Request I respectfully request that First Horizon Bank : Conduct a formal review of this incident Address the conduct and communication failures involved Consider restoring my eligibility for the {$700.00} promotional offer for opening checking account and savings account or providing appropriate remediation Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
Company being complained about : XXXX XXXX XXXX XXXX Product or Service : Debt Collection/Credit Reporting I am submitting this complaint regarding the manner in which this collection is reporting an alleged debt on my consumer credit report. This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation ; however, the collection agency continues to report the account without providing documentation that demonstrates the debt is accurate, that they have the legal authority to collect, or that the information being furnished is complete and correct. 
The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable. 

I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
Delte my report and file ; its an identity theft issue. Delete all info in it in order to correct an erroneous credit report. Clear its contents to fix issues with credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
I just want to Follow up this items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: FL

Complaint narrative:
I just want to Follow up this items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-19 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 discovered incorrect 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXXXXXX XXXX XXXX XXXXXXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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 not affiliated with these accounts and request their removal within 15 days as mandated by the Fair Credit Reporting Act.

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 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: NJ

Complaint narrative:
A debt company keep contacting me about a debt that they claimed I still owed. I explain to the company the debt was paid already through a settlement. They should contact the original credit company to confirm it with them. They denied. I contacted the credit card company and they said I do not owe that debt anymore since it was paid. I called the collection that keeps calling me and explain what the original debt company said, they told me I have to pay it or else they taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MN

Complaint narrative:
I do not recognize or have any association with these accounts and request they be deleted within 15 days per the Fair Credit Reporting Act.

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 2025-12-19 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: ND

Complaint narrative:
I discovered incorrect 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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXXXXXX XXXX continued furnishing of inaccurate and misleading credit information to Equifax concerning a closed and paid credit card account. 

The account ( ending in XXXX ) was charged off with a balance of {$230.00} and was paid in full in XX/XX/year>, bringing the balance to {$0.00}. Despite the debt being fully satisfied, XXXX continues to report the account with a Charge Off status and reflects ongoing monthly charge-off notations after the date of payment. 

While I do not dispute that the account was charged off historically, the continued reporting of monthly charge-off activity following full payment misrepresents the current status of the account and creates a misleading impression of ongoing delinquency. A charge-off is a one-time accounting event, not a recurring monthly condition, and once the debt is paid, continued charge-off reporting no longer accurately reflects the accounts status. 

Under the Fair Credit Reporting Act, furnishers are required to ensure that information reported is accurate, complete, and not misleading : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing information that is inaccurate or that the furnisher has reasonable cause to believe is inaccurate. 
15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update information so it is complete and accurate. 
The FCRAs maximum possible accuracy standard under 15 U.S.C. 1681e ( b ) applies to information that, while technically true, is misleading in its presentation. 

By continuing to report recurring charge-off statuses after the account was paid in full, XXXX is failing to update the tradeline to reflect its true current condition and is furnishing information that is misleading and excessively punitive. 

Sincerely, 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 2025-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I opened a new money market account at the Us bank branch in XXXX California with a {$50000.00} deposit at a XXXX promotional interest rate which is still be offered currently. XXXX said it reflect on my account in about 30 days and that the interest rate would be retroactively applied at that time, its almost 2 months later and i see now that the interes rate has bumped up to XXXX not XXXX and i have still not received my retro interest payment on the account. I have reached out 3 times to XXXX at the XXXX Ca branch 3 times about this in the last to weeks but she has been unable to help me so I called wealth managment last me and they said that it was definitely a mix up and that someone would be calling me back and emailing me, well that never happened either. I need to speak with someone that can tell me why this is happening and when it will be fixed.

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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, JPMorgan Chase closed my entire banking relationship after more than XXXX years as a customer in good standing. 

Approximately XXXX weeks prior to XX/XX/year>, I received notice that my accounts would be closed on that date. However, the notice did not provide any explanation or reason for the closures and did not request any information, documentation, or verification from me. 

The closures included multiple long-standing personal credit cards, business credit cards, a personal checking account, and business checking accounts that had been active and used regularly for years. 

At no point before or after receiving the closure notice was I contacted for a financial review or given an opportunity to address any concern. I was not informed of any alleged issue, risk, or policy violation, and I had no history of missed payments, delinquencies, or known adverse activity communicated to me. 

After the closures, I contacted Chase and escalated the matter. The representative handling the escalation stated that Chase has the right to close accounts at any time for any reason and declined to provide any explanation or written documentation for the decision. I was not offered any path to resolution or mitigation. 

The sudden closure of multiple long standing personal credit cards creates significant consumer harm by reducing available credit and increasing utilization, despite years of responsible account management. I would have fully cooperated with any review or request had XXXX been made, but none occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
To Whom It May Concern, I am a homebuyer currently preparing for mortgage approval. My lender informed me that several accounts, inquiries, or derogatory items on my credit file are preventing mortgage qualification due to inaccurate, incomplete, unverifiable, or outdated information.

Under the FCRA ( 15 USC 1681i ), I am requesting an immediate reinvestigation of the items listed below. These items must be verified with full documentation or deleted if they can not be fully substantiated. 
DISPUTED ITEMS ( Homebuyer Impact ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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