vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since XX/XX/XXXX, an unknown third party has had access to my checking and savings account and continues every day to make fraudulent payments to those accounts, which has made the account negative. I have over {$6000.00} in that account I can not access because the account negative. I have made disputes with every single incorrect payment on the account, but it takes multiple days to reverse each payment, and by the time they are reverse, new incorrect payments have been posted.

Fifth Third Bank states they can not close an account that is negative, even though the only reason it is negative is because fraudulent payments are being made in it. The account has been frozen for weeks, and I can not recover my funds in the account because they won't transfer the money in there because it is negative ( again, due to the incorrect fraud payments that are posted every day ) The current process is not working because Fifth Third will not resolve the incorrect payments before new ones are posted each day. Nobody will explain to me how to resolve this. I cant close the account or move my money, and I have almost no funds available to me as a result. Nobody will help me with a plan to resolve this, they just keep telling me to make new disputes. I am out of options to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 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: NY

Complaint narrative:
I am writing to dispute the following information on my credit report as it contains inaccuracies and needs to be corrected. The details of the disputed accounts are as follows : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} Inquiries : XXXX XXXX XXXX Date : XX/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 2025-12-02 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 disputing the following accounts on my Equifax credit report : Charged-Off Accounts XXXX : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$96.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged-Off Accounts XXXX : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Late Payments XXXX  : XXXX Account Number : 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 2025-12-02 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my credit reports from the following bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). Below is a summary of the accounts in dispute. 

Charged Off Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4500.00} Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I conducted a transfer via Cash App to a relative in the amount of {$800.00}. However, I erroneously selected the incorrect Cash App account for the transfer. The account selected previously belonged to the relative, but had become inactive in XXXX due to being compromised and had apparently been overdrawn. On that same day and only a few minutes later, I realized the error and requested a refund. A refund was issued, or so stated by Cash App via email ; however, they then backtracked and sent an email stating that the refund was denied due to a bank error. The relative and I contacted Cash App for a resolution ; however, the dispute and appeal has been denied with Cash App stating that they have conducted an investigation and issued a final ruling. I contacted the CFPB about the issue after several unsuccessful resolutions with Cash App and my bank, whom Cash App told me to contact about a refund. I recently reached out to my bank again regarding a possible refund and that too was recently denied. I have contacted Cash App several times with unsuccessful results regarding a refund that the have denied due to the balance of the inactive account being overdrawn. I also believe that Cash App has already charged that account off as a loss a few years back. Also, I submitted a previous complaint with the CFPB about the incident, and Cash App responded that they were working on the claim and would provide a response in 60 days. However, I have been informed by Cash App that they have issued a final denial judgment for the dispute and appeal of the transaction. In this case, their initial response of working toward a resolution is a fabrication on their part and an investigation is not being conducted. Therefore, they do not take consumer complaints as seriously as they have stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase sent me an automated fraud alert for an unfamiliar {$5.00} charge. I responded No, expecting the bank to verify the transaction. Instead, Chase immediately shut down my debit card without providing any notice that the card was being deactivated. I learned of the shutdown only after multiple legitimate recurring payments began failing.

Why this is a violation : Chases actions appear to violate several consumer-protection standards : Regulation E ( 12 CFR 1005 ) requires that banks provide timely notice when restricting access to a consumers debit card or electronic fund transfers. Chase did not notify me in any way that the card was being closed.

This is potentially an unfair practice under UDAAP because Chases automated decision caused significant and predictable harm ( failed payments, fees, service interruptions ) while offering no reasonable consumer benefit and providing no opportunity for me to correct or verify the alert.

The card closure was disproportionate to the situationone low-dollar charge with no fraud patternshowing a systemically unreasonable fraud-workflow design that harms consumers.

No adverse action notice was provided, despite restricting my access to an active payment instrument linked to multiple accounts.

Chase failed to follow reasonable verification procedures before taking action that impacted every account linked to that debit card.

Resulting damages : Because Chase closed the card without notice, several legitimate payments were declined, causing financial loss, service interruptions, and the risk of negative credit reporting. Chases conduct deprived me of access to an active and relied-upon payment method with no opportunity to prevent the harm.

What I am requesting : The CFPB should escalate this matter to Chase and require the bank to : Provide a written explanation of their justification for closing a debit card without any notice after a routine fraud-alert response.

Explain how this practice complies with Regulation E and UDAAP standards.

Reverse all fees or losses caused by their failure to notify me.

Confirm that no negative credit information was or will be reported.

Review and correct the automated fraud-handling process that allows a single low-dollar unrecognized transaction to trigger immediate card closure without human verification or consumer notification.

Chases automated process is causing avoidable consumer harm and lacks the required transparency and notice mandated by federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
My personal information was exposed in one or more major national data breaches, which included highly sensitive identifiers such as my Social Security number, date of birth, address history, and other permanent elements of my identity. Federal agencies including the FTC, CFPB, and CISA have confirmed that individuals impacted by these breaches face a significantly higher risk of identity misuse, fraud, and inaccurate credit reporting.

As a result of this exposure, unauthorized third parties were able to use my compromised information to create, alter, or manipulate accounts and inquiries within my credit file. I did not authorize, open, or consent to any of the items listed below : Accounts to be removed : Account Name : XXXX XXXX, Account Number : XXXX To document the incident, I filed an FTC Identity Theft Report ( FTC Report Number : XXXX ) confirming the compromise of my personal information. Despite notifying the credit bureau and invoking my rights under the FCRA, these inaccurate and unauthorized items remain on my file, continuing to cause harm, confusion, and security concerns.

The credit bureau has failed to properly block, reinvestigate, or delete this fraudulent information, even though the FCRAspecifically sections 1681c-2 ( a ), 1681e ( b ), 1681i, and 1681g ( a ) requires these actions when a consumers personal data has been compromised.

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 2025-12-02 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: CA

Complaint narrative:
I am submitting this complaint because there are several inaccurate, unverifiable, and/or outdated items being reported on my credit reports by the credit bureaus listed below. I am requesting that the Consumer Financial Protection Bureau assist in ensuring these items are properly investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} I dispute the accuracy of these charged-off accounts. I request TransUnion verify these items directly with the creditors and provide documentation. If proper verification can not be provided, please delete them. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize several of these inquiries. Please verify which were initiated with my consent. Any unverified or unauthorized inquiries should be removed from my TransUnion report. 

Late Payments XXXX XXXX Account # XXXX XXXX  Account # XXXX I am disputing the reported late payments. Please investigate and provide documentation from the creditor confirming the accuracy of these delinquencies. Remove any unverified or inaccurate data.

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 2025-12-02 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:
Please assess the materials ; the questions came in unannounced and might not be sanctioned.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past two years, my credit information has been incorrectly merged with my twin brothers credit file. As a result, my credit report contains accounts, inquiries, and personal information that do not belong to me. I have contacted the credit bureau multiple times to have the files separated, yet the issue has not been resolved. Despite providing the necessary documentation to prove my identity and the error, the bureau has not unmerged the accounts. This ongoing problem has negatively affected my credit, caused confusion with lenders, and continues to impact my financial well-being. I am requesting immediate assistance to have my credit file corrected and fully separated from my twin brothers information.

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 2025-12-02 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: IN

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-02 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: IN

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is alleging I owe a debt which I have no knowledge of. I did not authorize anyone to open the accounts without my knowledge.

The accounts are as followed Midland credit management ( XXXX XXXX XXXX  ) Acct # XXXX Midland Credit Management ( XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Re : Request for Validation of Alleged Debt To Whom It May Concern, I am contacting you regarding your attempt to collect an alleged debt.

This letter is my formal request for validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ).

Please provide : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of fees or interest 3. Proof that I am legally responsible for this debt, such as a signed agreement 4. Proof that your company is authorized to collect in my state 5. A complete payment history from the original creditor 6. The date of last payment and date the account went delinquent 7. Copies of any judgments, if applicable Until you provide full validation, you must cease all collection activity, including phone calls, letters, and reporting or verifying this debt with any credit bureau.

If you can not validate the debt, please cease collection efforts entirely and remove any related reporting from my credit file.

This is not a refusal to pay. This is a request for proof. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation