vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
On XX/XX/year>, someone made a telephone transfer from XXXX of my banking accounts to another XXXX of my accounts. They, then, proceeded to take {$1500.00} out of medical set aside account. I still have not received my money back.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To whom it may concern, I would like to fill a complaint with the Comenity Bank for their unfair practices of doing business for their customers. 

I am writing to file a formal complaint regarding an issue with my recently closed Lane Bryant credit card account ( Account # : XXXX ). 

On XX/XX/year>, I called Comenity Bank to pay off the remaining balance of {$1100.00} and close the account. I was given this specific amount as the payoff figure, which I paid in full over the phone at that time. 

However, yesterday, XX/XX/year>, I received a call from Comenity Bank stating that my Lane Bryant credit card bill was past due and requested an immediate payment of {$33.00}. When I explained that I had paid off the card and closed the account on XX/XX/year>, I was informed that there was an outstanding interest balance of {$7.00}. 

I reiterated that the {$1100.00} was the exact payoff amount provided to me when I closed the account. Despite this, the representative insisted that I owed {$7.00} in interest, plus an additional {$3.00} in interest per month for XXXX months, and a {$17.00} late fee, totaling {$33.00}. I was compelled to pay this amount to prevent further accumulation of interest and late fees. 

I requested that the {$17.00} late fee be waived, as the issue stemmed from Comenity Bank not providing the correct payoff amount when I closed the account. The representative stated that no adjustments could be made because the account was already closed. 

I believe this constitutes an unfair business practice, as I was given an inaccurate payoff amount, which led to unexpected charges and fees after the account was supposedly settled and closed. I request a review of this matter and a resolution to these charges. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I've submitted a complaint about my checking account information being fraudulently edited. PNC called and claimed it was not there fault. I called XXXX XXXXXXXX and they said it was not there fault. As a result, on the XXXX of XXXX, I filled out my account closure form after emptying my account and they verified it was completed. Today, on XX/XX/XXXX, my account is in the negative {$250.00}. They said a pending transaction prevented the account closure. They did not restrict transactions on the account after the closure request. PNC is retaliating both on my closure request and previous complaint on the XXXX of XX/XX/year>. I shouldn't be held responsible for any transactions after that closure request on the XXXX of XXXX. At that point in time, they already understood that account was no longer active. They purposely left it open to put me in a financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year> I used my banks mobile checking feature to deposit XXXX checks from the XXXX department {$100.00} ( XXXX ) & {$100.00} ( XXXX ) Ive done this many times as I have a small business. I took a picture of the checks uploaded and received notification that I will receive the funds with in a few hours. Fast-forward several hours later, I received a notification that the checks were in fact rejected and I will not receive the funds and to contact the issuer. I did contact XXXX accounting department as they informed me that the checks were in fact cashed and cleared, as they sent me copies of the cash checks. At this time I had called Usps and chime at least XXXX times about this and the each blame the other. I even three-way called them together so they could get on the same page, but I was just hung up on by XXXX department XXXX I tried to file a dispute, but chime doesnt allow disputes for rejected checks. XXXX says that chime still has the funds but chime insists they never received the funds therefore there were no funds to send back, bc the checks were rejected. I said well it was initially accepted so maybe they had the funds temporarily and didnt realize that they need to send the money back causing some Error. They wont give me any answers they dont have any records of anything they constantly just drop my calls when Im waiting to talk to a supervisor or the supervisor drops my call. XXXX department told me I should ask chime for a Trace number but thats not available either because they said they never had the funds to trace. when I contact XXXX to tell them all this, they just keep telling me that the checks were cleared and theres nothing they can do about it. I said well can you reissue the checks and they said no. The XXXX checks in total combine almost {$300.00} I am at a loss anymore what to do. I mustve literally wrote and called in to both businesses XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX BANK - XXXX, CREDIT CONTROL SERVICE - XXXX, XXXX XXXX BANK 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, AFFIRM XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX  XXXX BANK - XXXX, XXXX BANK - XXXX, CREDIT CONTROL SERVICE - XXXX, XXXX XXXX BANK XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX Im the business owner, i try to deposit my money always on business hours before they close and they always refuse me only the XXXX in XXXX XXXX fl I have this issue never have an issue with any other banks I go to. 
XX/XX/25 XXXX XXXX XXXX XXXX XXXX the branch XXXX called me and told me to go early before XXXX and that I can not deposit my money after XXXX and she say she has no staff help and no one wants to stay after XXXX to work. 
I need someone to call me and resolve this issue that keeps happening day by day and for the branch XXXX to call me out of nowhere with an attitude and telling me Im not allowed to go within business hours 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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
Due to much fraudulent activity the last few months on my old national bank checking account, I resolved said problem and requested to close my account. Customer service agent noted once refund arrives he will close the account for me. Refund arrived and old national bank failed to close account once amount was transferred and balance at XXXX. This resulted in overdraft fees and service charges that would not have been applicable if the account would have been closed when requested late XX/XX/year>. Old national bank failed to comply to their policy stating once a customer requests account closure they must follow through on request per customer. This was a bank error and I would like to be refunded all the overdraft fees acquired due to their negligence on this matter.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting a XXXX  collection ( {$660.00} ) with inconsistent and inaccurate status/dates across the CRAs. I submitted an FTC Identity Theft Report indicating mixed-file/identity misuse. Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( furnisher duty to correct/update ) and FDCPA 15 U.S.C. 1692e ( false/misleading representations ), I demand deletion and cessation of reporting. Attached : FTC Identity Theft Report, ID, proof of address, and bureau dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXXXXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove XXXX - XX/XX/year> - This inquiry was not authorized- Please Remove

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Dear CAPITAL ONE BANK USA NA, over the weekend I was going over my credit report and noticed a late payment on my account as being 30 days marked on XX/XX/year> for account ending in XXXX. I was never aware of, based of my understanding I had made the payment and for some reason the bank might of blocked it as Fradulent transactions, I would like if you guys remove this from my report as I've been making all payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
It presents a false narrative of my financial views.

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 2025-10-22 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the XXXX XXXX account currently being reported on my TransUnion, Equifax and Experian credit file. The account shows as charged off with a {$3300.00} balance, opened on XX/XX/XXXX, and closed shortly after. I have serious concerns that this account information may be inaccurate or the result of identity compromise related to the TransUnion data breach of XXXX, which exposed sensitive consumer data. 

Also, I am submitting this formal dispute regarding the XXXXXXXX XXXX XXXX account being reported on my TransUnion, Equifax and Experian credit file. The entry shows an auto loan charged off with a balance of {$9900.00} and an alleged {$21000.00} written off. I believe this account contains inaccurate, unverifiable, and potentially compromised information connected to the TransUnion, Equifax and Experian data breach of XXXX, which publicly exposed consumer personal information. 

Under 15 U.S.C. 1681i and 1681s-2 of the Fair Credit Reporting Act ( FCRA ), TransUnion, Equifax and Experian is legally obligated to ensure all reported data is accurate, complete, and verifiable. The reported details on this XXXX XXXX XXXX account raise significant red flags, including : Account opened XX/XX/XXXX, then charged off in an unusually short period, inconsistent with standard auto loan terms. 

Reported joint responsibility but without verified co-borrower data. 

Reported as closed and charged off while still showing active past due balances, which is contradictory. 

Data updates occurring after the confirmed XXXX TransUnion breach, during which consumer credit files were potentially altered or exposed. 

Because of the XXXX data breach and the questionable nature of this accounts reporting pattern, I am demanding a full reinvestigation and validation directly from the original creditor ( XXXX XXXX XXXX ). If TransUnion, Equifax and Experian can not verify, with documented proof from the furnisher, that this information is both accurate and authorized, then this account must be deleted immediately from my credit file under FCRA 602 ( A ), 605B, and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

Company response to consumer: Closed with non-monetary relief