vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I opened up a XXXX deposit savings account with citizens with promo code XXXX. 

The terms for the offer were : have an existing or open a new personal Citizens Checking account between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and, XXXX ) have an existing or open a new personal Citizens Savings account between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ) have XXXX single deposit of at least $ XXXX {$20000.00} or more in new money post into XXXX personal Citizens Savings account by XX/XX/XXXXXXXX  and, XXXX ) your savings balance as of the end of the day prior to the qualifying single deposit plus qualifying single deposit ( $ XXXX {$20000.00} ) must be maintained through XX/XX/XXXXXXXX The qualifying deposit of $ XXXX {$19000.00} is eligible for a $ XXXX, or qualifying deposit of {$20000.00} or more is eligible for a $ XXXX. If the qualifying deposit at the end of the retention period drops into the lower tier, you will be eligible for the lower bonus. Funds must post into account by XX/XX/XXXXXXXX XXXX XXXX Maintain until XX/XX/XXXX. Bonus pays by XX/XX/XXXXXXXX XXXX XXXX 

I made a cash deposit into my account in the amount of {$20000.00} on XX/XX/XXXX, bringing the balance to {$20000.00}. I kept the balance above this until XXXXXX/XX/XXXX, successfully completing the terms of the promo. As of XX/XX/XXXX, there still has been no promotional credit posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently reporting multiple late payment notations on my credit file that I dispute as inaccurate, incomplete, and harmful under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX XXXXXXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), reported with a late payment on XX/XX/XXXX and a current past due amount of {$0.00} ; XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), reported with a late payment on XX/XX/XXXX ; XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), reported with a late payment on XX/XX/XXXX and a past due balance of {$0.00} ; and XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), reported with a late payment on XX/XX/XXXX, even though the account is closed or paid in full with a XXXX balance. 

I am formally disputing the continued reporting of these derogatory entries, as they either reflect resolved accounts with no remaining past due amounts or are outdated beyond what is reasonable for continued reporting. For example, both XXXX XXXX and XXXX are listed with {$0.00} past due, which means they are not presently delinquent, and yet they continue to carry derogatory status in TransUnions file. The XXXX XXXX entry is similarly misleadingthis account is marked as closed or paid with a XXXX balance, yet a derogatory history remains on file nearly a decade later. 

These notations no longer serve a valid or lawful purpose in assessing my current creditworthiness. Worse, they mislead potential lenders by painting a distorted picture of my financial behavior. TransUnion is required by 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information it includes in consumer reports. Reporting a late payment on an account that has no past due amount or was resolved years ago clearly violates this standard. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is obligated to conduct a timely and reasonable reinvestigation of any disputed item. If the information can not be verified or does not meet the criteria for current, relevant reporting, it must be removed under 15 U.S.C. 1681i ( a ) ( 5 ). 

None of the above accounts have been supported with verifiable documentation showing the continued necessity, accuracy, or legal validity of reporting these late payments. Absent such proof, they should not remain on my credit fileespecially when they no longer reflect my financial obligations, credit activity, or current standing.

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 2025-06-12 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: MI

Complaint narrative:
I recently notice several inquiries on my credit report that wasnt authorized.I did not authorize this inquiry, nor did I initiate any transaction with this company that would give them a permissible purpose to access my credit file, as required under 15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, consumer reporting agencies are required to ensure the accuracy and integrity of the information they report. Unauthorized inquiries may violate both FCRA 1681b ( f ) and 1681i, and may constitute a breach of my consumer rights. 
Accordingly, I request that you : XXXX. Investigate this inquiry and determine whether it was legally authorized. 
XXXX. Provide documentation from the creditor showing that I authorized this inquiry. 
XXXX. If no documentation exists, remove the inquiry from my credit report immediately. 

I am enclosing a copy of my identification and a recent utility bill to verify my identity, as well as a copy of my credit report with the inquiry highlighted. 

Please complete this investigation within the XXXX timeframe provided under FCRA 1681i ( a ) ( XXXX ). I also request that you provide me with a written confirmation of the results of your investigation.

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 2025-06-12 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: FL

Complaint narrative:
" List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-List all accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 ( 2Xi ) 15 U.S. Code 1666b 12 CFR 1026.13 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 result 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.

According to 15 USC 1681s-2 they are supposed 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 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 2025-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Account XXXX, XXXX XXXX  # XXXX Im unaware of this death, and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report, or I will have to take a legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover declined my recent credit card application due to a previous account from 2021 that was never activated or used. As evidence, I have attached screenshots of the email from Discover showing the card was approved in 2021. Despite the approval, the card was defective, never activated, never used, and had no outstanding balance. Discover confirmed no unpaid amount exists, yet they refuse to reconsider or correct this error. I request an independent review and removal of this inaccurate negative record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
This debt has been following me for about 10 years now I can not get it removed no matter how many times I dispute it. It is currently in possession of Jefferson capital systems LLC. The original charge was for {$410.00} to XXXX somewhere in North Dakota. I have used XXXX XXXX XXXX my entire life and have always lived in Arkansas. I called Jefferson today and they wanted {$370.00} from me to start a dispute of the charges. The account isnt mine XXXX shouldnt have to pay for fraud. What do I need to do to get this removed??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I disputed this account with XXXX  on or before XX/XX/year>, and the company has failed to provide any valid documentation. I requested verification of the debt and asked them to provide a signed contract, billing statements, or itemized proof that the debt belongs to me. As of today, the company has not responded with the requested documentation. 

The reported information appears inaccurate and possibly duplicated ( e.g., another collector is also reporting the same debt ), or the balance is inflated. I believe this debt should not be reported due to lack of verification and non-compliance with the Fair Credit Reporting Act. I am requesting that this item be removed from my credit report unless full validation is provided. 

This complaint concerns the following account : XXXX XXXX XXXX XXXX XXXX ( {$660.00} ). Reported by : XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025 XXXX XXXX XXXXXXXX XXXX/2025 XXXX XXXX XXXX XXXX XXXX/2025 XXXXXXXX XXXX XXXX/2025 XXXX XXXX/2025 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX unannounced computer upgrade to Vystar Banks on line banking system left members of the service unable to access their accounts, pay bills, and use the Vystar Online Banking service for days. After on line chat did I find out what was wrong on XX/XX/XXXX. I was emailed a fix that all people are to use that reads like a programmer 's instruction that non IT persons can understand. I can not use the system that my bank account is tied up in. I am sure that there are several XXXX, maybe thousands that have the same problem. This is worse than the XX/XX/XXXXXXXX  Vystar Banking computer failure.

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 2025-06-12 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CT XXXXEmail : XXXX Date : XXXX XX/XX/year> TransUnion LLCXXXX. XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate and Unauthorized Accounts under FCRA ( 15 USC 1681 et seq. ) Dear TransUnion Dispute Department, I am writing to formally dispute certain entries on my credit report that I believe are inaccurate and unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following accounts and their removal if they can not be verified as authorized by me. 


My name is XXXX XXXX XXXX, and my Social Security number ( last four digits ) : XXXX. The accounts in question are : 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXAmount : $ XXXXAs of : XX/XX/year> 2. Cell Phone - XXXX XXXXAmount : $ XXXXAccount number : XXXXAs of : XX/XX/year> 3. Cell Phone - XXXX XXXXAmount : $ XXXXAccount number : XXXXAs of : XX/XX/year> 4. XXXX - XXXX XXXX Inc.Amount : $ XXXXAccount number : XXXX I did not authorize these accounts nor give permission for my credit to be used in this manner. These entries are causing me significant XXXX  and are unfairly damaging my credit standing. 


Furthermore, regarding the XXXX XXXX account, I was under the impression I would be billed approximately $ XXXX $ XXXX  monthly, but I have been charged over {$300.00}. I have attempted to contact XXXX multiple times for clarification but have received no satisfactory explanation. I believe this account was added to my report without my permission, and I am requesting its removal. 

Please conduct a thorough investigation into these accounts. If they can not be verified as authorized by me, I request that they be removed from my credit report without delay. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the removal of these inaccuracies. 

Thank you very much. 


Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX2025, a payment of {$1000.00} was processed toward my Bank of America credit card ending in XXXX. I did not authorize or initiate this payment. Autopay had been turned off for months, and I had no scheduled or recurring payments set up in Bank of America 's Bill Pay system at the time.

When I received an email confirming the payment had been made, I immediately logged in and verified that I had not initiated the transaction. The payment was shown as coming from my external checking account ( ending in XXXX ), but that account had no transaction record of the withdrawalpast, pending, or scheduled. 

I contacted Bank of America via live chat to dispute the charge before it finished processing. The representative ( XXXX XXXX ) confirmed the payment was pending but refused to cancel or stop it. I explicitly stated that I had not scheduled or authorized the payment, but was told it had to process before any action could be taken. The representative would not escalate or transfer me and instead attempted to shift the conversation toward my past-due balance, despite my repeated efforts to stay focused on the unauthorized transaction. The chat resulted in Complaint ID : XXXX being created. 

I am requesting the CFPBs help in : - Investigating how this payment was triggered without my consent, - Ensuring the payment is reversed or refunded, - Holding Bank of America accountable for refusing to stop the transaction after I flagged it in time, - Preventing further unauthorized withdrawals from my account in the future.

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