vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On or around XX/XX/XXXX I replied to a Citibank {$200.00} new checking account bonus offer solicitation by opening a new checking account. The solicitation ( picture attached ) states Monthly Service Fee {$12.00} or {$0.00} When You Maintain $ XXXX Balance. After opening my account I deposit {$1500.00} on XX/XX/XXXX, followed by two ( 2 ) deposits of {$20.00} on XX/XX/XXXX. The {$200.00} cash bonus was advertised to be deposited within 30 days. After the 30 days elapsed without having received the {$200.00} bonus I called Citibank on XX/XX/XXXX, spoke with XXXX who stated that I didn't receive the {$200.00} because I had the wrong type of account. XXXX changed my account type and instructed me to XXXX {$1000.00} qualifying money to another bank, then XXXX back into my Citibank account, which I did. I received the {$200.00} bonus on XX/XX/XXXX. I made another deposit of {$11.00} on XX/XX/XXXX which left my balance at {$1500.00}. I made no further transactions on the account and maintained a {$1500.00} balance. On XX/XX/XXXX I logged in to my account and alarmingly discovered that my account has been being charged $ XXXX  monthly bank service fee since XX/XX/XXXX thru current month of XX/XX/XXXX ( {$15.00} x 13 months = {$190.00} ). I never received any paper statements in the mail nor did I receive any sort of notice from Citibank that my account would be charged $ XXXX  monthly service fees. Had I known in advance, I would have canceled my account. XXXX, I logged in to my online account settings to my surprise the toggle was " on '' to receive electronic statements, unbeknownst to me. Apparently, Citibank 's online banking system " steers '' unsuspecting / unknowing clients to accept electronic statements in lieu of paper statements. This is part of the reason why I had no idea that after my account had been opened on XX/XX/XXXX, Citibank started charging {$15.00} bank service fees 18 months after initial account opening. I also suffer from debilitating XXXX XXXX XXXX so my vision is very poor. In conclusion, I would like for Citibank to refund the {$190.00} in bank service fees back into my account.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding their handling of my prepaid debit card fraud claim. 

On XX/XX/2025 I reported unauthorized transactions on my prepaid debit card. One of the major transactions was a teller withdrawal at a Bank of America branch, XXXX $ which could easily be verified by reviewing the banks own surveillance footage. Despite this, Bank of America denied my claim on [ date of denial ], just [ number ] days later, without performing a thorough investigation. 

At the time of these transactions, I was incarcerated, making it impossible for me to use the card. This is verifiable information, yet Bank of America failed to take it into account. 

Why I am filing this complaint : Under Regulation E ( Electronic Fund Transfer Act ), Bank of America is required to conduct a prompt and reasonable investigation of all reported unauthorized transactions. 
Denying my claim without reviewing available evidence, such as teller footage, is not a proper investigation. 
Their failure has caused me significant financial harm, including [ missed rent payments, inability to cover bills, etc. list briefly ].

What I want : I am requesting that Bank of America : 1. Reopen my fraud claim.

2. Conduct a proper investigation, including review of teller camera footage.

3. Provide me with a full explanation of their findings.

4. Reimburse me for the unauthorized transactions if confirmed.

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 2025-09-10 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Experian, \n\nI am writing to formally dispute inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX  data breach of XXXX, in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\n\nAccounts in Dispute:\n1.XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerely,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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
/XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Account Number : Employers : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-09-10 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
recvd a check from another vet who wanted my help with a home project, deposited check, bank showed ; " hold ''. went to bank to take money out of savings, got text messg. contact fraud dept, called, usaa rep began what she said was a 360 investigation of my account. I asked what, and why, she said she was investigating fraud. I said what reason or evidence do you have, put me on hold 4 times and 45mins. returned and said she was forwarding it to he management. again i asked, what is the fraud? who did what? refused to clarify, explained I'm a XXXX  XXXX veteran with XXXX and need my money to buy meds and survive, she said ; you're going to have to wait till someone calls u in a few days. my account is frozen, my VA check, my social security check, my work income, all go to usaa. I want to register a formal complaint. I told the rep, you are triggering a serious mental event, she said I have to wait and hung up. I asked her is this some crackdown on XXXX, her tone and inflection seemed angry, she disrespected me, I told her, I count on this money to provide for my family, she didnt seem to care, absolute zero empathy.

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 2025-09-10 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: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to formally demand that you immediately cease and desist from any further abusive, harassing, or unlawful debt collection practices directed toward me.

Your repeated conduct, including but not limited to [ phone calls at unreasonable hours, threats, abusive language, contacting my family/employer, false claims, or other abusive tactics ], violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

These actions have caused me unnecessary stress and emotional distress and constitute harassment as defined by law.

Accordingly, I demand that you : Immediately stop all harassing, abusive, or misleading communications.

Refrain from contacting me at my place of employment, with third parties, or at inconvenient times.

Limit all future communication strictly to written correspondence delivered to the mailing address listed above.

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office, as well as seeking damages in civil court.

This letter serves as notice that I am fully aware of my rights under federal and state law. Nothing contained herein shall be construed as a waiver of any legal rights or claims.

I strongly urge you to govern yourself accordingly.

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Inaccurate Auto Insurance Score To Whom It May Concern, I am writing to formally dispute the accuracy of the auto insurance score that TransUnion has provided in my consumer file. This information has negatively impacted me by causing a denial of service, and I believe it is inaccurate or incomplete.

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as follows : - * * 15 U.S.C. 1681i ( Section 611 ) * * requires TransUnion to conduct a reasonable reinvestigation of disputed information within 30 days of receiving this request.

- * * 15 U.S.C. 1681e ( b ) * * requires TransUnion to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

- * * 15 U.S.C. 1681m ( Section 615 of the FCRA ) requires that when a consumer is denied credit, insurance, or another service based on information in their consumer report, they must be notified and given the right to dispute that information.

- * * 15 U.S.C. 1681 ( Congressional findings and purpose ) states that consumer reporting agencies must respect the confidentiality, accuracy, and proper use of consumer information.

- * * 15 U.S.C. 1681c restricts reporting of outdated or irrelevant information to protect consumer privacy.

I request that TransUnion reinvestigate this matter, correct any inaccuracies, and provide me with an updated copy of my consumer file. Please also provide a description of the procedures used in your investigation, as required under the FCRA.

Thank you for your prompt attention. Please respond in writing within the timeframe allowed by law. 

Sincerely, 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 2025-09-10 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
I am writing to file a formal complaint regarding inaccurate and potentially unlawful debt collection accounts that are being reported on my credit file. The details of the accounts are as follows : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$2300.00} Date Opened : XX/XX/year> Reported Status : Collection XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX High Balance : {$460.00} Date Opened : XX/XX/year> Reported Status : Collection These accounts appear on my credit report, but I dispute their validity for the following reasons : I have not received proper validation of the debts as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

The reporting of these accounts may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as the information appears inaccurate and unverified.

No original creditor details, signed agreements, or supporting documentation have been provided to establish that I owe these amounts.

I am requesting the CFPB to : Investigate the validity of these collection accounts.

Require the debt collectors and credit reporting agencies to provide full documentation proving the debts are valid and belong to me.

Remove or correct any inaccurate, unverifiable, or incomplete information from my credit file. 

Ensure that both XXXX XXXX and XXXX XXXX are in compliance with FDCPA and FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: KY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief