vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: 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 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 2025-10-16 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: AK

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 Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-16 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
My adult son does not have a bank account therefore when he receives a check we usually both endorse it and I mobile deposit it into my bank account. Then once the check clears, I send him the funds to his XXXX XXXX  account. Well this time something happened with the check and it was returned NSF. I was made aware of this due to trying to use my debit card and getting declined. SO I looked at my account online and saw what happened. I immediately contacted the person who wrote the check who made good by giving me the cash the next day so that I could go deposit it into my account, which is exactly what I did. However they, the bank has put a freeze on my account making me unable to do anything with my account for over a week now. My auto payments are getting declined, I can not get any of the cash out. I have gone into the branch as well as called them several times and I can get no answers as to why this has happened. All I am told is that they will send an email to the department who has a hold on my account. I asked for a phone number they said there is no phone number. I would like some answers as to why there is a freeze on my account??? Especially when the money was redeposited the very next day.

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 2025-10-16 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile.

Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Had no prior communication about account being closed, received a letter in the mail on XX/XX/2025 that my account was closed due to dishonored payments on this account. On XX/XX/2025 I made a {$2000.00} payment on this account. I just recently used this account on XX/XX/2025 for a purchase online and I had no issue. I called Synchrony Bank immediately when I got the letter on XX/XX/2025 ( Today ) and the Agent collected my information and told me that I had a return payment of {$73.00} but I had no warning that a returned payment would have closed my account. If that were the case, my account should have been closed when it originally happened. Instead I gave the company {$2000.00} for them to just close my account. The {$73.00} that was returned was paid and I was even charged a {$30.00} fee for it. If they were going to close my account why charge me the fee? The agent on the phone said theres no guarantee that my account will be re-opened and I would have to wait 30 days for a letter in the mail but I do not have 30 days to wait and it should have never been closed. This will affect my credit and seems like it is in violation of the FCRA.

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 2025-10-16 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: NV

Complaint narrative:
It gives the wrong impression of how I deal with money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has kept my Citi XXXX XXXX and Citi XXXX accounts frozen for over 1.5 months, despite full compliance with its income-verification request and XXXX  confirmation that five fraudulent Citi accounts previously appearing on my credit report have been removed.

I have done nothing wrong, as reflected in XXXX XXXX XXXX article published in XX/XX/year>, They Signed Up for Citis XXXX XXXX Card. It Turned Into a Nightmare. The situation reflects severe failures in Citis verification, data-handling, and consumer-access processes. 
Timeline and Facts : XXXX XXXX  : Citi requested an IRS Form 4506-C verification for my XXXX XXXX and XXXX  accounts. 
XXXX XXXX  : I attempted to comply from abroad but was told the form had to be mailed to a U.S. P.O. Box, which was impossible from XXXX. I spent over {$700.00} ( including {$110.00} in courier fees and {$600.00} for a last-minute flight home ) to meet Citis XX/XX/XXXX deadline. 
XX/XX/year> : XXXX  notified me that five Citi accounts not belonging to me appeared on my credit report. These have since been removed ( documentation available ).

As of mid-XXXX XXXX  : Citi has still not reinstated my legitimate accounts, which remain frozen.

Financial and Other Harm : Paid annual fees for both cards but have had no access for over six weeks.

Out-of-pocket losses exceeding {$700.00}, plus XXXX Cit

i ThankYou points forfeited due to a canceled flight. Missed premium benefits of both cards, including : Citi XXXX XXXX ( {$590.00} annual fee ) : {$200.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( valued at {$460.00} ) XXXX XXXX XXXX Passes ( worth $ XXXX ) {$120.00} XXXX XXXX XXXX  credit XXXX-point sign-up bonus, now impossible to earn due to account freeze Citi XXXX ( {$490.00} annual fee ) : Two missed Fourth Night Free hotel benefits Lost trip protection coverage tied to active card use Lost trip to XXXX due to account freeze and verification delays.

Accessibility and Compliance Issues : Citi refused to provide a reasonable accommodation under the ADA for my documented learning disability, such as a pre-filled 4506-C form for signature only or a consistent point of contact. The repeated caseworker reassignments, lack of continuity, and contradictory instructions created confusion and additional harm.

Evidence : Screenshot of XXXX confirmation removing five fraudulent Citi accounts.

Screenshot showing continued Citi account freeze.

Proof of courier and flight expenses. ( See previous complaints ) XXXX XXXX XXXX article ( XX/XX/year> ) referencing my experience.

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 monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
On Thursday XX/XX/year> I was alerted to an overdraft and contacted XXXX Bank customer service. I explained that I noticed a fraudulent check was deposited on XX/XX/year> which was not done or authorized by me. I did not sign nor give anyone my information to do this transaction on my behalf and have no knowledge of the individual who the check was from. I reached out to XXXX Bank to alert them. I completed all necessary paperwork, filed a police report ect. Was told the account was be closed XX/XX/XXXX or XXXX. Called back XX/XX/XXXX and was told no it would be closed in XXXX but not provided a date. Its not XX/XX/XXXX and I am being told the " account is up for closure '' no date no additional information no one has reached out to me provided me with any information. We are almost 2 months later into this with no resoluation no accountability and no follow up by anyone XXXX at XXXX Bank. This kind of negligence and disregard is not just frustrating it is unacceptable.

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 2025-10-16 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: DC

Complaint narrative:
Someone opened a fraudulent account under my name with XXXX XXXX XXXX. I called the credit card company to report a fraud. They closed the credit card. Please delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'I am writing to dispute a hard inquiry that appears on my credit report. The inquiry was made by Chase Bank on or around XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I requested a credit limit increase with this creditor, I was explicitly informed that the review would involve only a soft inquiry and would not affect my credit score. Despite this assurance, a hard inquiry was placed on my credit report without my consent. Because this hard inquiry was conducted under false pretenses and without my informed authorization, I request that it be removed from my credit file immediately in accordance with the Fair Credit Reporting Act (FCRA).'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXXI signed a XXXX XXXX  loan with Citizens Bank ( XXXX  Charter One Bank) on XXXXXXXX  which was recorded with the county on XXXXXXXX. For some unknown reason, the bank filed a duplicate of this same XXXX  on XXXX  I'm in the process of selling my house and the scheduled closing is XXXX  I notified the bank  of this problem on XXXX by calling the customer service XXXX XXXX XXXX XXXX XXXX I also send them a letter the following day.  I even went to the XXXX  XXXX  branch of the bank to report this problem to the branch manager. I called the property XXXX  department of the bank at least XXXX  times regarding this issue.  Every time I call them I get the same answer - my case is under review. I was told it takes XXXX  to XXXX  days to resolve any issue. Its been more than that. The proceeds from the sale of my house will be used to purchase a new home. If the closing doesn't happen I stand to lose my security deposit on the new home."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
In line with federal regulations ( 15 U.S. Code 1681g ), please remove the disputed accounts.

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