vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: IL

Complaint narrative:
Before opening my chime checking account, I was misled to be able to have a {$500.00} spot me balance. I called the chime customer service and they told me it takes time for me to be able to reach the {$500.00} limit on my spot me which was the main reason I opened that account I feel like Ive been misled into opening the account. So I technically opened the account on false pretenses because Ive had my account for over three months now and my spot balance hasnt gone up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: NY

Complaint narrative:
I have a Fidelity Rewards Visa Signature credit Card with Fidelity Investments ending in XXXX. When I was first approved for the card, I was given a credit limit of XXXX. Since then, I have been responsible with the credit limit, always paying off my balances and keeping the account in good standing. This positive payment history has been maintained for a few years now. I also have a great credit score with the three bureaus, XXXX XXXX XXXX XXXX. I have attempted to increase the credit limit of my Fidelity card several times, but I have been unsuccessful each time. This is very inconvenient, because I want to increase my purchasing power with the Fidelity credit. Every other bank I have a line of credit with has granted me credit limit increases over time. ( XXXX XXXX XXXX XXXX XXXX XXXX Fidelity is the only company, as of now, that has rejected every demand I have made for a credit limit increase for the card ending in XXXX. This is a great inconvenience and turn-off to me, the account holder and customer. If Fidelity wants to maintain a relationship with me or other consumers for business in the future, they have to be flexible in granting credit limit increases for credit card account holders. I never got a successful credit line increase. This is bad. I wish to have my credit limit increased to {$3000.00} from {$500.00}. There is a good chance I will quit my relationship with Fidelity if I keep getting denied for credit limit increases for the account ending in 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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened an account with PNC in early/mid XXXX XXXX XXXXXXXX on XX/XX/XXXX I recieved the following notice. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX your debit card ending in XXXX was temporarily blocked. All withdrawals and purchases performed with this card will be declined. 

Here 's what you can do : To discuss reinstating your card, please call us at XXXX XXXX XXXX XXXX or visit a branch. Visit XXXXXXXX to find your nearest PNC branch. 

To update your alert settings, sign on to XXXX Banking at XXXX XXXX XXXX XXXX XXXX I called the bank and answered some security questions and was told all was fine. 
A few days later I check my online banking and my account was no longer active. I called the bank and they couldn't answer any question and sent me to someone named XXXX at XXXX and she told me they closed the account and mailed me a check for {$2000.00} minus the cost of the checks they sold me. This happened around XX/XX/XXXX. After waiting a few weeks and not receiving the check I called XXXX back and she stated the check was mailed but could take up to XXXX business days to reach me. As of today, it is XX/XX/XXXX, I have not received a check and have not had access to my funds for over a month. I have emailed the bank and made XXXX calls to try and get my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: EdFinancial Services
State: MO

Complaint narrative:
I was told my account was close, since XXXX XXXX  no longer a school. This year when the account became back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I went to a XXXX office in XX/XX/XXXX through a XXXX XXXX included an XXXX XXXX adjustment and a XXXX minute XXXX. I was presented different treatment options following the XXXX findings. I opened a XXXX account to complete a full XXXX month treatment plan. Due to financial precautions the pandemic in early XXXX, I only received XXXX adjustments as part of the treatment plan, outside what was included in the voucher I purchased off of XXXX XXXX XXXX sold my XXXX to Portfolio Recovery Associates , LLC on XX/XX/XXXX in attempts to collect the complete XXXX month treatment plan amount charged to the account, even though I did not complete treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-04 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: IN

Complaint narrative:
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Request for Removal of Fraudulent Information Due to Identity Theft ( XXXX Data Breach ) To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate and fraudulent information from my credit report, as authorized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft, which I believe is directly related to the XXXX  data breach that occurred in XXXX  exposing the sensitive personal information of millions of Americans.Due to this breach, I believe unauthorized accounts and/or inquiries may have been made using my personal information without my knowledge or consent. I am requesting that the following items be investigated and removed from my credit report : [ List each disputed item here, including : 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 Reason for dispute ( e.g., 'This account was fraudulently opened without my authorization.Enclosed Documents : To support my claim and in compliance with the FCRA requirements under Section 605C, I have enclosed the following documentation:1. A copy of a valid government-issued photo XXXX. A copy of a recent utility bill or bank statement to verify my address3. A copy of the Identity Theft Report, which includes a police report or FTC Identity Theft AffidavitUnder Section 605C, you are required to block the fraudulent information from appearing on my credit report within XXXX business days of receipt of this request and supporting documentation.Please confirm in writing that you have received this letter and indicate the steps being taken to resolve this matter. If you require any additional information, do not hesitate to contact me at the address or phone number provided above.Thank you for your prompt attention to this serious matter.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 2025-06-04 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:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I tried to use my Citi Card to pay for a car repair. The card was denied - I have the receipt. NO EXPLANATION, no text from the bank - just DECLINE. 
I used a different card from a different bank and had no problem. 
I called Citi Card and they had NO EXPLANATION for why this happened. They also claimed the vendor tried multiple times to put the card through, this is untrue. 
Very embarrassing and worrisome to me as I wondered if something was wrong. 
Credit card companies and banks have enormous power and consumers are left with situations like this. They should be REQUIRED to let you know at the Point of Sale what the problem is.

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 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

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 ( A ) ( 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.

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 2025-06-04 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:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
In the attached letter from Fay Servicing, Fay admits that they are in violation FCRA ( Fair Credit Reporting Act ). The letter clearly states that : - That all payments to the previous processor were paid on time - That Fay did not do their due diligence to get all payments from the previous mortgage company they bought the loan from. Fay is obligated under FTC guidelines 1024.33 ( b ) ( 4 ) ( v ) to get all payments within a 60 day grace period. Fay failed in their responsibility and it took them 6 months to " find '' the payments from the previous mortgage company - That they charged me late fees even though they admitted that I made all payments on time. 
- Fay reported the credit bureaus that I was late on payments, even though they admitted the payments were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My boyfriend XXXX deposited his us treasury Check into my account from prior tax return year this is not the first time his tax return was deposited into my account i had no problem prior before this current time with my account. He signed over the check to me and also provided a POA that was signed and notarized also provided more identification like state issued ID social security number and voter Registration card. This issue has been on going since XX/XX/year> Ive submitted appeal after appeal and they are continuing telling me the exact same thing they need new information which i have provided each time. At this moment its literally nothing else i can send new and they wont tell me what i can send and or need to send. I was able to finally close my account XX/XX/XXXX after numerous attempts before this but theyre stating they will not be sending out my funds into my account because of the restriction i been trying to resolve since XX/XX/year>. This situation has caused me to become homeless and struggling

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC XXXXb ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. XXXXb ( XXXX ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC XXXXXXXX  ( a ) ( XXXX ) Pursuant to 15 U.S.C. XXXXXXXX ( a ) ( XXXX ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section XXXX ( A ) of the FCRA The FCRA, under Section XXXX ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC XXXX ( a ) ( XXXX ) Furthermore, under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to XXXX ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am unable to view or request my updated scores and reports through Experian, Equifax, XXXX, XXXX XXXX and XXXX XXXX XXXX  I was told by Equifax that all I needed to do was submit my current drivers license and a picture of my social security card and Ill be able to view my scores and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These creditors had no permissible purpose to access my credit file, as I did not provide written authorization, nor did I initiate any credit transactions with them. Please investigate and remove these inquiries promptly.

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 2025-06-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief