vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I was injured in an XXXX XXXX on XX/XX/XXXX, I received my first official physical check on XX/XX/XXXX. This is when I reached out to USAA and asked them if they could release the funds on my hold ( I had deposited a check earlier via mobile check deposit ). I explained my situation, I was unable to pay anything until the hold was lifted ( they said XX/XX/XXXX it would be ) but that the insurance policy would be canceled XX/XX/XXXX and asked if I could borrow money from someone to pay it. ) I had previously explained how I was surviving on scraps. The only money people could give me was barely enough for food for every day. And gas to get to my XXXX XXXX XXXX for the XXXX claim. I spoke to someone in the deposit department, someone in the insurance department, and then a supervisor. None of them were helpful nor were they compassionate in the least. I even offered to show them documentation of the XXXX case and that didnt change anything. The blatant disregard for human life and I dont know- decency is disgusting. Especially for a company that claims to pride themselves on compassion and respect. 
I spoke to a supervisor named 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 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
I have continued to dispute this company americollect. They have not responded to my request to remove the collection from my account. My credit report lists two identical accounts. The original account holder was XXXX and sold my information to americollect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CO

Complaint narrative:
I am submitting this complaint because Equifax and TransUnion is reporting XXXX or more hard inquiries on my credit report that I did not authorize. These inquiries were not initiated by me, and I never applied for credit with the companies listed. I believe this is fraudulent activity, and I have disputed this with Equifax, requesting they remove the unauthorized inquiries. 

Despite my request, Equifax and TransUnion has refused to delete the inquiry, which is a violation of the Fair Credit Reporting Act ( FCRA ), as they are required to ensure the accuracy of the information they report. 

I am requesting CFPB intervention to compel Equifax and TransUnion to investigate properly and remove the fraudulent inquiries from my report. I have never given consent for these hard pulls and expect my rights under the FCRA to be respected. 

I have already submitted an Identity Theft Report to the FTC and filed a police report to confirm the unauthorized nature of these inquiries. These documents clearly support my claim.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - XXXX : {$840.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$1100.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$250.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$140.00} - Account # : XXXX XXXX XXXX XXXX - XXXX : {$190.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX, XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under 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 2025-05-31 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
I disputed inaccurate reporting on my Indigo Mastercard account with Concora Credit Inc. ( CBIndigo/CCI ) multiple times, including sending XXXX XXXX compliance letters. Despite giving them the opportunity to investigate, they failed to correct or delete the account and instead claimed their reporting was accurate. They provided no verification, no proof of reinvestigation, and ignored key compliance guidelines under FCRA Sections 611 and 623. 

I am attaching the companys written response, which confirms they dismissed my dispute without proper investigation. This account remains on my credit report and continues to cause harm. I am requesting a full deletion of this account due to failure to follow reinvestigation requirements and failure to ensure reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-31 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX XXXX I went into my XXXX account to setup Autopay and I noticed my credit limit was reduced to {$570.00}. It was reduced without any notification to me. They changed without communicating to me. 

Wells Fargo is doing things to my account behind my back and without my knowledge. They are not communicating with me every action they take regarding my account. This is not an honest company.

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 2025-05-31 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 want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy. These errors have had a significant negative impact on my life, affecting me in ways that are difficult to fully express. During these challenging times, having these inaccuracies corrected or removed would be not only a great help, but truly a blessing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are 3 XXXX XXXX accounts that do not belong to me they are : - XXXX ) XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - balance : - {$29000.00} XXXX ) XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - balance : - {$11000.00} XXXX ) XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - balance : - {$41000.00} None of these accounts belong to me. I would appreciate if you can help me in removing those from my credit report. I want have accurate credit report. I do not like the fact that there is something reporting on my account which do not belong 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In early XX/XX/year>, I submitted a dispute to Citibank regarding suspicious activity on my credit card ( a charge of {$100.00} that I did not authorize ). Despite notifying them promptly, no action was taken to stop further unauthorized charges. In fact, my card number continued to be used for multiple fraudulent purchases even after Citi had been made aware of the activity. 

Most concerning is that Citi later claimed I was responsible for one of the fraudulent charges I had originally reported ( {$100.00} ) despite my timely notification and the suspicious nature of the transaction. No clear explanation has been provided for why this decision was made. 

I find this handling of the situation entirely unacceptable. Citis failure to act in a timely and protective manner, along with their refusal to take accountability, has forced me to begin the process of closing my account. I do not intend to do business with Citi again. 

I am requesting that the CFPB review this issue and assist in obtaining a fair resolution, including the reversal of all fraudulent charges and a formal explanation from Citibank regarding their findings. 

Thank you for your time and consideration. 
My best, 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 monetary relief
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
Subject : Dispute of XXXX XXXX XXXX to 15 U.S.C. 1681i ( a ) Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : XXXX XXXX Account XXXX Account Information : Creditor Name : XXXX  Account XXXX Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Account Information : Creditor Name : XXXX Account Number : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX XXXX - SIGNATURE Description of Inaccuracy : I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

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 2025-05-31 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:
Subject : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : XXXX XXXX Account XXXX Account Information : Creditor Name : XXXX Account XXXX Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Account Information : Creditor Name : XXXX Account Number : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX XXXX - SIGNATURE Description of Inaccuracy : I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

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 2025-05-31 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:
Subject : Dispute of Inaccurate Information Pursuant to 15 U.S.C. 1681i ( a ) Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report.

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of the following item : Account Information : Creditor Name : XXXX XXXX Account XXXX Account Information : Creditor Name : XXXX  Account XXXX Account Information : Creditor Name : XXXX XXXX Account Number XXXX XXXX Account Information : Creditor Name : XXXX  Account Number : XXXX Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX XXXX - XXXX  Description of Inaccuracy : I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information.

I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy.

I understand that, under 15 U.S.C. 1681i ( a ) ( 3 ) ( A ), you are required to complete the reinvestigation within 30 days of receiving this dispute, unless you notify me that an extension is necessary. 
If, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be verified, I expect the prompt removal or correction of the disputed item from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your attention to this dispute and your compliance with the FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a previous complaint with this bank. The person that responded to my complaint will not return phone calls in which I left voice mails nor answer the phone. I emailed their fraud department copies of my driver 's license and social security card and they have not responded to my issue. They also have not called or emailed me back. I was told by customer service by phone that my account would be closed and a check sent to me in the mail. I have recieved no mail with a check enclosed. I expect my {$500.00} back since 5/3 bank locked my account and will not allow me to use my account online nor access my funds.

Company response to consumer: Closed with explanation