vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report concerning several late accounts. I take my financial obligations seriously, and it is both troubling and harmful to see my credit history misrepresented in ways that could damage my creditworthiness. 

Pursuant to the Fair Credit Reporting Act ( FCRA ) specifically 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of reported information, and 1681i ( a ), which mandates reinvestigation of disputed items I am requesting a thorough reinvestigation of the following accounts : XXXX XXXX Balance : {$6.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance {$1700.00} XXXX/XXXX  XXXX Balance {$3800.00} XXXX/XXXX  XXXX Balance {$6300.00} XXXX/XXXX  XXXX Balance {$130.00} XXXX/XXXX  XXXX Balance {$1000.00} XXXX/XXXX  XXXX Balance {$3000.00} XXXX/XXXX  XXXX Balance {$6400.00} XXXX/XXXX  XXXX Balance {$2000.00} XXXX/XXXX  XXXX Balance {$4800.00} LATE CLOSED : XXXX XXXX XXXXXXXX Balance {$0.00} These accounts appear to contain inaccurate, inconsistent, or unverifiable late payment histories. Such reporting fails to reflect my true payment record and creates a misleading portrayal of my financial responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
This entire issue stems from a direct and incorrect assurance I received from a Fifth Third customer service representative. 

On Wednesday, XX/XX/scrub> 2025, before making my deposit, I called customer service for guidance. I specifically asked the representative if I deposited my {$5300.00} check into the ATM before the cutoff time, would the funds be available the next business day? The representative explicitly told me " Yes, '' and that the cutoff time was XXXXXXXX XXXX 

Based entirely on this direct assurance from the bank 's own staff, I deposited the check, fully expecting the funds to be available on Thursday, XX/XX/XXXX, as promised. Instead, the bank placed an immediate and unannounced 7-business-day transaction hold on the funds until XX/XX/scrub> 2025, causing me significant and immediate financial hardship. 

My attempts to understand why the bank broke its promise have been met with failure at every turn : 1. Conflicting and Invalid Justifications : I have been given three different and contradictory reasons for the hold : a " multi-bank investigation, '' " confidential information, '' and a " routine review for an ATM deposit over $ XXXX. '' None of these explain why I was given a false assurance of next-day availability. 

2. A Pattern of Harmful and Questionable Behavior : This is the second time the bank has placed a maximum-length hold on my account. On a previous occasion, the bank 's questionable justification for a hold ( claiming the payer had a " bad history '' ) caused significant confusion and professional embarrassment for my business when I cautiously brought it up with my client.

3. Unacceptable Customer Service : My attempts to resolve this have been met with unprofessionalism. On Saturday, XX/XX/XXXX, a customer service representative hung up on me. My emails to the branch manager, went unanswered. I visited the branch in person on Monday, XX/XX/XXXX around XXXX, to speak with the manager directly. Her only response was that she had " messaged her supervisor, '' and I received no follow-up communication from her for the rest of the business day. 

I acted in good faith based on a direct misrepresentation by the bank 's employee. The bank failed to honor its representative 's promise, failed to provide a valid reason for its actions, and has caused me significant financial and professional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is violating my rights and have not validated my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed an inaccurate account on my consumer report. I have made many several attempts to fix this issue with them directly. I'm entitled to {$1000.00} for every violation I listed. They need to either pay me or delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additional addresses that were wrongly reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.

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 2025-09-30 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question : XXXX XXXX XXXX XXXXXXXX Late Dates XXXX, XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XX/XX/year> threat to put on. My credit report in the amount of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 2025-09-30 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: 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, CHALLENGEDORNOT.

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 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Complaint Against Bank of America Wrongful Withholding of XXXX XXXX XXXX Dear Sir or Madam, I am filing this complaint against Bank of America regarding its wrongful withholding of approximately {$200000.00} belonging to my company. These funds represent our XXXX XXXX XXXX XXXX XXXX XXXX refund issued by the Internal Revenue Service ( IRS ). 

On XX/XX/year>, I deposited three XXXX refund checks into a Bank of America account I opened at the recommendation of my XXXX XXXX account manager. 

Since that time, Bank of America has refused to release the funds, providing inconsistent and unsupported explanations. 

A representative of the bank ( XXXX XXXX XXXX, XXXX Escalation Team ) repeatedly stated that the IRS had recalled the funds. 

However, I have spoken with multiple IRS agents and Treasury Bureau of Fiscal Service agents, all of whom confirmed there are no recalls, no red flags, and no issues whatsoever with my XXXX refund. I have obtained transcripts from the IRS confirming the funds were fully approved after multiple reviews. 

Most recently, IRS Agent XXXX XXXX XXXX ( ID # XXXX ) confirmed on XX/XX/year> that there are no problems with my XXXX refund and that if there had been an issue, the IRS would have pursued repayment directly from me not through the bank. 

Despite this, Bank of America has continued to withhold my companys funds for over five months. The bank has failed to provide any written documentation or lawful justification for its actions. 

I believe this constitutes : Wrongful withholding of client funds without cause. 

A potential violation of fiduciary duties owed by the bank to its customers. 

A possible unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531. 

I respectfully request that your office investigate this matter, compel Bank of America to release my companys funds immediately, and determine whether regulatory enforcement action is warranted. 

I am attaching supporting documentation, including IRS transcripts and summaries of my conversations with both IRS and Treasury agents. 

Thank you for your prompt attention.

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 2025-09-30 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 : Account Name : XXXX  # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3200.00} Account Name : XXXX  XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Balance {$220.00} UNAUTHORIZED INQUIRIES : 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
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I am writing to follow up on my prior dispute regarding unauthorized and inaccurate hard inquiries that continue to appear on my credit report. Despite my initial request, these inquiries remain unresolved. I demand immediate action to investigate and remove them, as I never authorized them.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
I am disputing a subrogation claim made by XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. 
I never received a police report or any documentation verifying the alleged damages they are claiming. Despite my written dispute under the Fair Debt Collection Practices Act ( FDCPA ), the company has continued collection activity and even submitted a license suspension request to the Texas Department of Public Safety. 
This is a clear violation of the FDCPA, as they are required to cease collection activity until proper validation is provided. I request a full investigation into their actions and for the license suspension request to be withdrawn immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a notice of filling of warrant in debt letter XXXX XXXX Credit Corp Solution Inc XXXX  me The original creditor was XXXX XXXX ( XXXX XXXX  ) the amount on file is {$1300.00} After various letters and phone calls I sent them a validation letter and all they sent me was a booklet of statements no proof that they own or have the rights or the contract to my debt to my understanding they ( third party companys ) buy these debts pennies on a dollar but won't every penny from you when you make an offer they always act like that's not enough

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). In my dispute I requested : 1. Immediate Correction or deletion of inaccurate information per 15 USC 1681s-2b.

2. Notification to furnishers within 5 business days ( 1681i ( a ) ( 2 ) ( A ) ).

3. Completion of reinvestigation within 30 days ( 1681i ( a ) ( 1 ) ( A ) ).

4. Full file disclosure including sources ( 1681g ( a ) ( 1 ) ).

5. Method of verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Experian failed to comply : 1. The disputed accounts remain inaccurate and unverifiable, violating 1681e ( b ) ( failure to assure maximum possible accuracy ).

2. No proper method of verification was provided.

3. Several accounts show incorrect or missing Date of First Delinquency ( DOFD ), violating 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 5 ).

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 2025-09-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-09-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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