vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a XXXX  account in XXXX but I closed because I lost my job and had over drafted my account. Currently in XXXX XX/XX/XXXX or XXXX I called a XXXX XXXX in XXXX XXXX Michigan and was told they werent collecting on my account anymore so I can open another XXXX, I deposited my check with this branch and had to wait day for it to be deposited, still never got a card. The morning my check deposited and was made available for me to use I went to pay bills and get gas but through XXXX  XXXX  my XXXX card kept declining so I added the funds to my XXXX  XXXX  so I could move on but I still reached out to the bank and called, a lady said she would refresh something going on with my card and the same day my account was restricted and closed, with out any reason, I just started my new job and this is my first check, Ive been to the branch XXXX times and made multiple calls regarding this issue and still nothing is helping. They are not giving me a reason why they closed my account and it will be almost a XXXX  that they held onto my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
I am a victim of identity theft, and the account reported under XXXX XXXX XXXX is fraudulent and never authorized by me. I formally disputed this account with Experian on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within four ( 4 ) business days. Despite this, the account remains on my file. This failure not only violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded. 
The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Trying to move money from my checking account to savings or XXXX, error XXXX dont have checking account or eligible account, funds are in the account access to online and mobile ok, call center says is a branch level hold, branch says is a fraud investigation, no timeline to get it resolved, no real answers, family and bills need to be paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXX XXXX a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: MA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through anya affiliate, disclose to a non affiliated XXXX XXXX any nonpublic personal information. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

XXXX XXXX XXXXXXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXXXXXX XXXX XXXX XXXX  a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
This is a rental debt. Never told that they own the debt of {$25000.00}. No purchase agreement sent to me letting me know that they own the debt. Also who pays {$25000.00} for an XXXX XXXX no longer live in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The late payment remark on my credit report is negatively affecting my XXXX  score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my XXXX score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on XXXX  scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I applied and was approved for a loan modification through XXXX XXXX. My mortgage company, PHH Mortgage XXXX  repeatedly told me to not make any monthly mortgage payments until the modification was approved. Well, it took XXXX almost XXXX  months to finalize the modification. When it was finally approved, XXXX tells me that I am XXXX  months late on my mortgage payment, as supposedly I was supposed to make payments while the modification was being approved. Since it is now XXXX  months late, they refuse to take partial payment, demanding that the entire past due amount is paid to bring the account current. Again, I was told by their customer service dept to not make any payments during this time. They even went so far as to say that a payment couldn't be accepted until the modification was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I bank with XXXX XXXX XXXX and I am changing my account because the nearest branch is in XXXX and I don't live anywhere near XXXX XXXX. I have tried calling customer service multiple times to close my account and can never get through to anybody. I tried calling the branch in XXXX and they told me to call customer service and they can help me. I tried that XXXX more time and nothing came of it. This has happened since the beginning of XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX, XXXX, XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and CREDITBUREAU has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MD

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized XXXX  inquiries on my credit report. On [ insert date of previous contact ], I was assured by your representative that these fraudulent inquiries would be removed. To date, this commitment has not been honored, and the inquiries remain. 

The presence of these unauthorized entries violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and permissible reporting of credit information. These inquiries have directly harmed my XXXX XXXX and suggest potential identity theft, causing me ongoing financial and emotional distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PRA sent their first notice almost XXXX  months after purchase, violating FDCPA. They did not provide proper validationonly generic statements. The account does not even appear in all credit bureaus, showing inaccurate and inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has caused direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain. This continued inaction is unacceptable. 

The persistence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This ongoing issue is causing significant emotional and financial distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
Applied to XXXX XXXX of XXXX XX/XX/XXXX. Told I needed to close asap even by XX/XX/XXXX, Collected a {$500.00} rate lock fee, Asked for tons of paperwork which was all supplied. Underwriting dragged it out forever, I contatced XXXX, XXXX and XXXX acknowledged that fact, got a clear to close on XX/XX/XXXX, still nothing. XX/XX/XXXX was my final date. Lost the deal I needed the money for Today XXXX STILL in fictional underwriting, should have closed weeks ago. 
Contacted both XXXX and XXXX Your Mortgage Loan # XXXX XXXX XXXX XXXX Expected Closing Date : XX/XX/year> LOAN PROCESSOR Cicely Gist XXXX XXXX LOAN OFFICER XXXX XXXX XXXX XXXX Told them they waited so long, loan no longer needed. Refuse to refund {$500.00} rate lock fee. 
They were charging my XXXX points for {$8500.00} because they knew I was desperate.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX I used my debit card to purchase gas. Within minutes after my purchase I got an alert from my bank stating that my debit card had been added to my XXXX XXXX. I neither have an XXXX cell phone or XXXX XXXX. Almost immediately following that email, I received a phone call from a XXXX number stating they were from the fraud department from my bank and they were going to help me. The phone call lasted over an hour with them claiming that they were going to lock my debit card and refund my bank account for the fraudulent charges. Neither of those things happened. I went into my local branch for help. She gathered information from me and sent an extensive email to the fraud department at my bank. She also informed me that the phone call that I received claiming to be from my bank was in fact not from my bank and was someone claiming to be from my bank in order to get personal information from me. My claim with my bank has been denied XXXX times. They are stating that I authorized the transactions. I did not authorize the charges or use my debit card for the transactions. The charges made were as follows : XXXX {$300.00}, XXXX {$300.00}, XXXX fuel {$40.00}. XXXX {$200.00} XXXX {$29.00}. The XXXX store where my card numbers were used is an hour and XXXX minutes away from where I got gas and were made within minutes of my gas purchase. I could not have made them I have never even been to that XXXX before. The XXXX charges were made at a Michigan location XXXX hours away from where I purchased gas and also could not have made those purchases. I have been a customer of this bank for close to XXXX years. They have not done a single thing to help me with this issue. These fraudulent charges have caused my account to be overdrawn and accrue fees daily. The fraudulent charges total over {$900.00}. I have stopped counting the overdraft fees The bank did issue my account a temporary credit but then took it back when they denied the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and harmful reporting by certain student loan servicers/companies that have significantly damaged my credit profile. 

Specifically, these companies have falsely reported that my loans defaulted, despite the fact that : XXXX. Payments were made within the XXXX months prior to the alleged default status. These payments should have prevented the loans from being considered in default under federal student loan guidelines. 
XXXX. All of my loans were previously enrolled in an Income-Driven Repayment ( IDR ) plan before these companies purchased or assumed servicing of my loans. This arrangement was consistent across my other XXXX loans, none of which were reported as being in default. 
This false reporting is both inaccurate and misleading. It has resulted in severe harm to my credit score and financial reputation. I believe the servicers acted in violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information provide accurate and complete information to credit reporting agencies. 

I respectfully request that the CFPB : Investigate this matter thoroughly ;

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