vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP
State: MI

Complaint narrative:
I closed my account with citizens no with a {$0.00} balance several months ago. 
A fee months later I received a letter telling me I have a {$55.00} balance and my account is overdrawn and its now a charge off threatening to report it to the credit bureaus. 

I do not owe this and am filing a formal complaint with the state attorney general for this nonsense and total incompetence

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.

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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
RESURGENT/LVNV FUNDING XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Subject : Cease and Desist All Communication Regarding Alleged Debt Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt associated with the above-referenced account number. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all further contact with me. 

You are hereby notified to immediately cease and desist all communication with me, whether by phone, mail, or any other means, regarding this matter. Failure to comply with this request will constitute a violation of the FDCPA and may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as possible legal action. 

Please be advised that this letter does not constitute an acknowledgment of the validity of the alleged debt. I am requesting verification of this debt under 15 U.S.C. 1692g ( b ) if you intend to pursue collection efforts through legal channels. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
personal information incorrect name incorrect XXXX XXXX XXXX not my name I did not authorize this inquiries XXXX  XXXX - XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX XXXX XXXXXXXX please remove immediately! 
I did not authorize this inquiries XXXXXXXX XXXX XXXX  please remove immediately! 
I did not authorize this inquiries XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX  please remove immediately! 
I did not authorize this inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
personal information incorrect name incorrect XXXX XXXX XXXX not my name I did not authorize this inquiries XXXX  XXXX - XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX XXXX XXXXXXXX please remove immediately! 
I did not authorize this inquiries XXXXXXXX XXXX XXXX  please remove immediately! 
I did not authorize this inquiries XXXX please remove immediately! 
I did not authorize this inquiries XXXX XXXX  please remove immediately! 
I did not authorize this inquiries

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I appreciate XXXX response, but I respectfully disagree with their characterization of the issue and am requesting further review. 

I had a perfect payment history prior to this incident, and I was under the impression that I was enrolled in auto-debit. If XXXX system failed to complete or confirm my enrollment, I was never properly informed. I received no notification that my auto-debit enrollment was incomplete or rejected, nor was I notified that payments were not being drafted as expected. 

By XXXX own admission, their system did not process an auto-debit application from me, but they fail to explain why I would stop manually paying if I knew I wasnt enrolled. Clearly, I believed I was enrolled, and this communication gap is at the XXXX of the issue. 

Furthermore, reporting XXXX separate delinquencies to the credit bureauswhen this stems from a single breakdownis excessively punitive and misleading. It exaggerates the situation and caused a credit drop of over XXXX points, which does not fairly reflect my history as a responsible borrower. 

I request that Nelnet : Remove or revise the XXXX delinquency reporting on my account, as a one-time goodwill correction ; Consolidate or amend the tradelines, given the unfair impact of XXXX separate accounts being reported as delinquent simultaneously ; Provide documentation showing that I was clearly and explicitly notified that auto-debit had failed and that payments were not being processed. 

XXXX asking for fairnessnot forgiveness of the debt. I acted in good faith, had no intent to miss payments, and corrected the issue once discovered. I am asking for the damage to my credit to reflect the reality of the situationnot a technicality. 

Please, I am asking for this delinquent to be removed as it was immediately paid once identified in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Equifax reinserted a fraudulent XXXX  account that had already been blocked under 15 USC 1681c-2 ( a ) after I submitted a notarized affidavit and FTC report . They violated multiple FCRA laws and never notified me. My score dropped XXXX points. Im demanding immediate deletion or I will file a {$5000.00} lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Unauthorized Fraudulent Accounts Listed Below : 1.

2.

3.

4.

5. 
XXXXXXXX XXXX XXXXXXXX, Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX  XXXX, Opened XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
: Unauthorized Hard Inquiries on My Credit Report Report Date : [ Insert Report Date ] SSN ( last 4 digits ) : XXX-XX- [ # # # # ] To Whom It May Concern : I am writing to formally dispute unauthorized hard inquiries that appear on my credit report maintained by your bureau. These inquiries were made without my knowledge or explicit consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, and Pennsylvanias Fair Credit Extension Uniformity Act ( 73 P.S. 2270.1 et seq. ).

The following hard inquiries are unauthorized and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 604 ( a ) ( 3 ), a credit reporting agency may only furnish a consumer report if the party requesting it has a permissible purpose. I did not authorize any of the above entities to access my credit file, and I demand proof of permissible purpose in accordance with FCRA 609 ( a ) ( 1 ).

Furthermore, Pennsylvania law prohibits the use of deceptive or misleading practices in connection with credit extensions. Unauthorized inquiries may constitute an unfair credit practice under 73 P.S. 2270.4.

I am asserting my rights under both state and federal law. If you can not provide documented proof of my authorization or the permissible purpose for each inquiry listed above, these inquiries must be removed within 30 days as required by FCRA 611 ( a ).

If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I am also prepared to pursue legal remedies for willful noncompliance, which may include statutory damages under FCRA 616 and 617.

Please confirm in writing when the unauthorized inquiries have been deleted.

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 2025-07-26 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:
Name : XXXX XXXX Date Of Birth : XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Unauthorized Fraudulent Accounts Listed Below : 1.

2.

3.

4.

5. 
XXXXXXXX XXXX XXXXXXXX, Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX  XXXX, Opened XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX TransUnion , Equifax & Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Unauthorized Fraudulent Accounts Listed Below : 1.

2.

3.

4.

5. 
XXXXXXXX XXXX XXXXXXXX, Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX  XXXX, Opened XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have experienced non-stop calls since XXXX, XXXX to collect a debt from XXXX XXXX on a XXXX XXXX credit card that had been paid in full when I retired in XXXX. I asked for a copy of the bill and where the charge originated. The info they sent are all interest charges now amounting to {$520.00}. I did reach a helpful agent after receiving a letter. She told me it seems the charges are invalid, mentioned a possible fraudulent charge from Minnesota and also mentioned charges from XXXX. The agent told me she was going to dispute these charges with XXXX and would send me copies in the mail. I have not received anything. I mailed a certified letter on XX/XX/XXXX that requires signature and have not received a response. XXXX has reported me to all major credit reporting agencies, with no proof of the charges or any information sent as I requested to prove. The reporting by XXXX has resulted with my credit dropping from the high XXXX 's to now mid XXXX 's, affecting the purchase of a car, my mortgage and my life in general as I retired in XXXX. I have been called non-stop, and now this company has ruined my credit without any valid proof of these charges to date. I feel at this point that an attorney is needed to stop this.

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 2025-07-26 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: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
some people got hold of debit card information and a total of {$770.00} to different businesses locally while card remaining in possession charging included out of my lifestyle who I am being bald while charged for beauty salon, a number of smoke related charges Im a non-smoker these companies never before XXXXXXXX XXXX XXXX 3 times, see, infinity smoke and infinity smokes.com appear 10 times together, XXXX XXXX appear at least twice, XXXX XXXX XXXX XXXX appear at least twice, XXXX XXXX XXXX tab as see 6 times XXXX XXXX XXXX XXXX and XXXX XXXX together see 3 times,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
This is a formal dispute regarding incorrect and unauthorized entries on my credit report. My personal information was used without consent, breaking 15 U.S. Code 1681b ( 2 ), and accounts that arent mine have been added. This could be identity theft under 15 U.S. Code 1681c-2. Im asking for an immediate review and correction of these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
I have a few discrepancies of inaccurate information of a XXXX XXXXXXXX XXXX XXXX XXXXXXXX account reporting on my TransUnion, Experian and Equifax consumer reports without ever knowing of recieving a XXXX Form, In 28 USC 108-Income from Discharge of Indebtedness IRS considers a charge-off account as income and I also know that income shall not be reporting on my consumers report with or without a balance.

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 2025-07-26 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: MARINER FINANCE, LLC
State: NC

Complaint narrative:
This account was removed then replaced on my credit. This account has been known for price gouging consumers & well as myself. Predatory loan agreements that was not in my contract. I was also not informed about numerous sur charges on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hold Harmless Letter for Check Release in the amount of USD {$10000.00}. Check # XXXX. Account XXXX. Claim # XXXX XXXX. Account under the name of XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX son of XXXX XXXX. I have personally visited Bank of Americas XXXX branch no less than three or four times, and I have sent multiple emails to various departments, including Business Accounts, Customer Service, and the Estate Department. Each time, I have been informed that Bank of America must issue a Hold Harmless Letter in order for XXXX XXXX to release the funds. 
Per court order, I have been appointed as the executor of the estate associated with this account, and I am also the beneficiary of the check in question. XXXX XXXX has refused to release the check for nearly two years, citing the lack of a Hold Harmless Letter from Bank of America as the sole reason. 
After incurring legal costs to obtain court authorization and access to the estate account, I am now facing an additional roadblock : Bank of America has refused to provide me with a copy of the Hold Harmless Lettera document that is directly blocking my ability to claim these funds. 
XXXX XXXX has confirmed in writing ( see attached letter ) that they have formally requested the Hold Harmless Letter, yet have received no response from Bank of America. 
At this point, I respectfully and urgently request one of the following : 1. A copy of the Hold Harmless Letter issued to XXXX XXXX, so that I may deliver it personally, or 2. To be included in the communication between Bank of America and XXXX XXXX regarding this matter. 
Unless this letter is provided, XXXX XXXX will not release the check, and I will remain unable to access funds that are legally mine and that I need to pay my studies. 
This issue has been pending for an unreasonably long time and has caused significant distress and financial hardship. I kindly ask for your immediate attention and resolution.

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