vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get this accounts removed immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
I mailed a certified letter to UMB Bank on XX/XX/year> requesting written clarification regarding the Longer Delays May Apply section of UMB Banks Deposit Account Agreement, effective XX/XX/year>. The letter was delivered to the XXXX XXXXXXXX on XX/XX/year>. I have not received any response from UMB. 

I am writing to request written clarification regarding the Longer Delays May Apply section of UMB Banks Deposit Account Agreement, effective XX/XX/year>. 

Specifically, the agreement states that longer deposit holds may be applied when an account has been overdrawn repeatedly in the last XXXX ( XXXX ) months. However, it does not specify when these longer delays will cease to apply once the account returns to good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a slip from Collection Professionals telling me I am indebted to them. I was confused because I hadn't received any other communication about this debt. This prompted me to call them, a woman picked up and told me that I had accrued this debt a year ago. When I asked for validation she told me there was nothing to do then she threatened me by saying if I dont pay the full amount by XX/XX/XXXX they would report to the Credit Bureau that I refused to pay. So on XX/XX/XXXX, I sent a debt validation letter requesting the following information : The name and address of the original creditor. 
The exact amount of the debt, including an itemized breakdown of the original amount, all interest charges, and any additional fees. 
A copy of the original contract or other agreement that bears my signature and proves I am obligated to pay this debt. 
Documentation showing when and how the debt was transferred or assigned to your agency, granting you the legal right to collect it. 
The date the original creditor claims the debt became delinquent, and the date of the last payment made. 
Verification that this debt is within the statute of limitations for collection in my state. 
Proof that your company is licensed to collect debts in this state, including the license number and the contact information for the state agency that issued it. I also informed them that failure to provide me with ALL information requested will count as an immediate cancelation of the debt they claim I have with them. On XX/XX/XXXX, I received a envelope from Collection Professionals and inside was only a bill from the company I supposedly have a debt with. That was the only thing they sent me out of everything I requested. This is why I am filling a complaint because I have not received everything I need to validate my debt which is my right under FDCPA, Fair Debt Collections Practice Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting by the Office of the Attorney General ( OAG ) regarding my child support account ( Account No. XXXX ). 

The credit report currently shows the account as Open. {$9900.00} past due as of XX/XX/year> with XXXX late payments reported for XX/XX/year> and XX/XX/year>. However, this reporting is inaccurate, incomplete, and unverifiable for the following reasons : The OAG is reporting XXXX late markers without reporting complete monthly payment data, including the required details on amounts due, amounts paid, and accurate rolling arrears. 

The account shows ND ( No Data ) for XXXX and XX/XX/year>, meaning the reporting is inconsistent and can not accurately support a XXXX delinquency. 

A XXXX late marker requires continuous non-payment verification, which is not supported by the missing and incomplete data on my file. 

The OAG reports a past due balance of {$9900.00}, but does not provide verification showing how this amount was calculated, nor does it reconcile with my actual payment records. 

Reporting delinquency with missing fields ( balance details, full payment history, payment breakdown, accurate terms structure ) violates FCRA 607 ( b ), as the information is incomplete, inaccurate, and misleading. 

I previously disputed this with the credit bureau, but the account was merely updated without addressing any of these accuracy issues. 

Because the information is incomplete and unverifiable, it can not be legally reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting by the Office of the Attorney General ( OAG ) regarding my child support account ( Account No. XXXX ). 

The credit report currently shows the account as Open. {$9900.00} past due as of XX/XX/year> with XXXX late payments reported for XX/XX/year> and XX/XX/year>. However, this reporting is inaccurate, incomplete, and unverifiable for the following reasons : The OAG is reporting XXXX late markers without reporting complete monthly payment data, including the required details on amounts due, amounts paid, and accurate rolling arrears. 

The account shows ND ( No Data ) for XXXX and XX/XX/year>, meaning the reporting is inconsistent and can not accurately support a XXXX delinquency. 

A XXXX late marker requires continuous non-payment verification, which is not supported by the missing and incomplete data on my file. 

The OAG reports a past due balance of {$9900.00}, but does not provide verification showing how this amount was calculated, nor does it reconcile with my actual payment records. 

Reporting delinquency with missing fields ( balance details, full payment history, payment breakdown, accurate terms structure ) violates FCRA 607 ( b ), as the information is incomplete, inaccurate, and misleading. 

I previously disputed this with the credit bureau, but the account was merely updated without addressing any of these accuracy issues. 

Because the information is incomplete and unverifiable, it can not be legally reported.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX regarding inaccurate and incomplete personal identifying information being reported by the nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). 

On my IdentityIQ XXXXbureau report dated XX/XX/year>, the bureaus are reporting : Name : XXXX XXXX XXXX and/or other name variations Multiple previous addresses, including but not limited to : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXGAS, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Employers listed , including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX These  names, addresses, and employer entries are not my current identifying information and I do not authorize them to continue to appear in my file. Their presence increases the risk of mixed files, mis-association with other consumers, and improper furnishing of data that does not belong to me. 

My correct and complete personal information that should appear on all of my credit files is : Full legal name : XXXX XXXX Current mailing address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not want any employer, email address, or phone number listed in the public personal-information section of my consumer report. 

I have not been provided with any reasonable explanation or documentation supporting the continued reporting of these old or incorrect identifiers. The bureaus are obligated to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and to correct or delete information that is inaccurate, incomplete, or can not be verified within the statutory period. 



Laws and rights involved ( for CFPB narrative box ) Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) duty to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681i ( a ) duty to conduct a reasonable reinvestigation when the consumer disputes the completeness or accuracy of information and to delete or correct information that is inaccurate, incomplete, or can not be verified. 

The continued reporting of : The inaccurate/obsolete name XXXX XXXX XXXX and any other name variations, Multiple prior addresses that are no longer current and are not needed for identification, and Employer information that I do not consent to being included, is a failure to maintain accurate, up-to-date, and non-misleading identifying information, and increases the risk of mixed files and future reporting errors.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX regarding inaccurate and incomplete personal identifying information being reported by the nationwide consumer reporting agencies ( Experian, Equifax, and TransUnion ). 

On my IdentityIQ XXXXbureau report dated XX/XX/year>, the bureaus are reporting : Name : XXXX XXXX XXXX and/or other name variations Multiple previous addresses, including but not limited to : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXGAS, NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Employers listed , including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX These  names, addresses, and employer entries are not my current identifying information and I do not authorize them to continue to appear in my file. Their presence increases the risk of mixed files, mis-association with other consumers, and improper furnishing of data that does not belong to me. 

My correct and complete personal information that should appear on all of my credit files is : Full legal name : XXXX XXXX Current mailing address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not want any employer, email address, or phone number listed in the public personal-information section of my consumer report. 

I have not been provided with any reasonable explanation or documentation supporting the continued reporting of these old or incorrect identifiers. The bureaus are obligated to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and to correct or delete information that is inaccurate, incomplete, or can not be verified within the statutory period. 



Laws and rights involved ( for CFPB narrative box ) Under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) duty to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681i ( a ) duty to conduct a reasonable reinvestigation when the consumer disputes the completeness or accuracy of information and to delete or correct information that is inaccurate, incomplete, or can not be verified. 

The continued reporting of : The inaccurate/obsolete name XXXX XXXX XXXX and any other name variations, Multiple prior addresses that are no longer current and are not needed for identification, and Employer information that I do not consent to being included, is a failure to maintain accurate, up-to-date, and non-misleading identifying information, and increases the risk of mixed files and future reporting errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Text came from XXXX Telephone they want me to call is XXXX Website they want me to use XXXX Reference file is XXXX It says I owe to farmers insurance group. I called farmers insurance directly and no payment is due. 

Theres a pdf linked but I didnt dare click on it. I havent been notified on my credit bureaus that I have collections out there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im requesting a full review of overdraft fees charged over the last 90 days. These fees total {$780.00} and resulted from unclear posting order and delays in credits. Im experiencing financial hardship and would appreciate a courtesy adjustment while this is under investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My mother passed away. She had multiple CDs, a checking account, and a savings account at Citi Bank. The accounts were in a family trust. I provided a copy of my mothers death certificate and a copy of the trust naming me as the trustee to the local bank branch where she had the accounts. I requested that the accounts be closed. I asked to have the funds transferred to a different bank and was told they could only issue a check. I was told by the branch manager that it would take one to two weeks to get the check. That was on XXXX XX/XX/year>. 
As of XXXX XX/XX/year>, I still do not have a check. 
I have made multiple calls to the XXXX numbers for the bank and never get the same answer twice. 
Any help would be appreciated.

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 2025-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my Robinhood account was unexpectedly restricted, preventing me from accessing my funds. The notification said to wait 4 days, which I did. 

On XX/XX/XXXX, I contacted Robinhood customer support, and they instructed me to wait XXXX more days. I followed these instructions, but my account is still restricted. 

This restriction is causing significant inconvenience, as I urgently need access to my funds. I am requesting that Robinhood immediately review and resolve this restriction so I can regain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK
State: NH

Complaint narrative:
My bank accounts with Vio Bank and XXXX XXXX Bank were hacked into beginning XX/XX/year>. XXXX XXXX Bank red flagged small amounts and notified me via text. However, Vio Bank, owned by MidFirst Bank did not notify me, whatsoever. Five 5 different transactions totaling {$19000.00} were taken out in one day. This was out of routine since no withdrawals were taken out of my accounts. Vio Bank not only did not notify me but said there were no red flags to take action against since they have customers taking out {$300000.00} a day. The discussion which the police officer and bank personnel overheard was completely absurd and unprofessional and lacked any sense of care. The caller actually being defensive on the phone, we were all appalled. XXXX XXXX, XXXX XXXX XXXX Banking for Vio Bank communicated the checks would arrive on a Tues, then he said Saturday and, in the end, mailed 3 separate XXXX  envelopes totaling over {$70000.00} to my address without communication or tracking numbers which I was supposed to receive. After XXXX XXXX, I was transferred to supervisor XXXX, then to XXXX XXXX. No one wanted to get involved, no one wanted to call my local bank to discuss funds withdrawn and all supervisors literally communicated through emailing the front office people while I was on the phone being told their answers. After talking to 3 supervisors, Vio bank asked wanted me to speak to a XXXX. It was a XXXX XXXX to say the least. Vio Bank, owned by MidFirst Bank needs to get their act together and treat their customers with respect instead of the circus I was led through.

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 2025-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Stratus Financial LLC
State: FL

Complaint narrative:
CFPB Complaint : Stratus Financial LLC Borrower : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Current Address ( both ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Loan Origin : XX/XX/XXXX Loan Amount : {$59000.00} Servicer : Stratus Financial LLC, XXXX XXXX XXXX XXXX XXXXXXXX Summary of Issue : Automatic ACH payments continued until XX/XX/XXXX, when they stopped without notice or authorization. The loan history downloaded from Stratus 's website confirms regular payments up to that point and no payments recorded afterward. Since XX/XX/XXXX, multiple attempts were made to contact Stratus by phone. Staff repeatedly stated they could not reach the XXXX  department and promised callbacks that never occurred. No written responses or statements were ever delivered. 

On XX/XX/XXXX, Stratus issued " Final Notice XXXX Days Past Due '' claiming : XXXX days delinquent - {$8600.00} past due -Repeated attempts to contact us These claims are false. A PDF capture of the Stratus portal dated XX/XX/XXXX shows that the " Documents '' section contains no statements or notices at all. No communication attempts were ever provided. 

Interest at over 22 % APR has continued to accrue due solely to Stratus 's servicing failure. 

Additional evidence status : -Bank statements proving autopay through XX/XX/XXXX will be submitted once retrieved. 
-Call logs documenting repeated attempts to reach Stratus will also be submitted once retrieved. 

Attachments ( available now ) : -Original loan documents -Final Notice PDF -Portal screenshot showing " no documents '' -Loan history PDF showing payment cessation after XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint because several furnishers are reporting inaccurate, contradictory, and incomplete information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues with the bureaus directly, but the accounts continue to report errors that are harming my creditworthiness. 

Below is a summary of the specific violation : Comenity/XXXX  Late Payments After Account Closure The account was closed in XX/XX/year>, yet the credit bureaus are reporting late payments after the closure date, which is impossible and violates the FCRA requirement for accurate and complete reporting. 

Closed accounts can not accrue new delinquencies. 


Requested Resolution : Remove all inaccurate late payments or delete the tradeline if the reporting can not be fully substantiated.

-- - 4 Overall FCRA Violations Across All Furnishers Reporting incomplete, contradictory, and unverifiable data Re-aging of accounts Misreporting of closed charged-off accounts Continuing to report past-due balances after charge-off Missing or inaccurate payment history Failure to provide full account information necessary for verification These errors are actively harming my creditworthiness and preventing me from accessing fair credit opportunities. I request that the CFPB require each furnisher to conduct a full, proper reinvestigation and either correct or delete the inaccurate data

Company response to consumer: Closed with explanation