vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Can someone WITH COMMON SENSE HELP?? 
How can you close an account, send out a check for the remaining balance, and then open it a few days later, for transactions, knowing the account is closed, has no balance, and now I am getting overdraft fees on a closed account? 
For XXXX sake what is going on?? 

YOUR BANK IS FULL OF DIPSHITS, HOW DOES THIS MAKE SENSE?? YES YOU WHO IS RECEIVING THIS INFORMATION PLEASE TELL ME HOW DOES THIS MAKE SENSE????????? 

are you going to reopen my account in XXXX to get some more fees from me?? 



Re : Consumer Financial Protection Bureau case # XXXX and XXXX Dear XXXX XXXX : We XXXX XXXX requests for assistance from the Consumer Financial Protection Bureau XXXX We appreciate the opportunity to respond to your concerns. Our goal is to provide products and services that are easy to use and to always create a positive banking experience for our customers. We regret any instance we XXXX have fallen short of these goals while working with you. 
To better assist you, please refer to the enclosed letter sent on XX/XX/XXXX for additional information regarding the account closure. 
Our records confirm the account ending in XXXX was closed on XX/XX/XXXX, and the enclosed check was issued in the amount of {$1000.00}. The account was reopened to allow XXXX transactions to post on XX/XX/XXXX, resulting in a balance of negative {$170.00}. On XX/XX/XXXX, a deposit was received in the amount of {$4000.00} resulting in an account balance of {$3800.00}. On XX/XX/XXXX, the account was closed and the enclosed cashiers check was issued. Our records indicate that this check was negotiated on XX/XX/XXXX. 
Please know you XXXX access up to XXXX years of statements by visiting a local branch or contact us at the number provided below to request. For your convenience we have enclosed 2025 statements for your accounts. 
We respectfully decline your request for compensation. 
Thank you for taking this time to make us aware of your concerns, sharing your feedback, and for allowing us to respond. It is our sincere hope that the information detailed within this response is helpful. If you have further questions, please contact U.S. Bank XXXX Banking at XXXX ( XXXX ) XXXX where representatives are available to assist you XXXX hours a day,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA Bank is no good first of all I get on my bedroom XXXX XXXX  XXXX and I get my VA check for XXXX 's compensation {$4000.00} and some odd dollars and they took out XXXX in the beginning XXXX and some odd dollars for overdraft and I don't have over draft and I told them about that and I said wait a minute she said well because you didn't show proof and you didn't I go ma'am my phone was broken now my phone for a whole month of XXXX my screen was busted I only get I only get my conversation once a month and I have for the whole month to the XXXX of XXXX I didn't have a phone so I just bought a phone for {$200.00} from boost and I said I put my money back and it doesn't matter what they decide that's my money and I'll put it back I told you that the ATM didn't give me money and now you're telling you came to the decision it's wrong and then now after that I have problems leave my my debit card they froze my debit card my wife 's debit card and we can't get no money out of our money and you're telling me no and so they put me to the front department and the guy says okay we're going to go ahead and get your money and I have not be able to get a XXXX out of my account for over XXXX hours me and my wife I broke down on my vehicle my truck because I had no gas in it and I was walking I'm a veteran XXXX XXXX XXXXXXXX and it's wrong how I've been treated by the bank they lied to me and my wife and they froze both are it's unreal what they did it's drastically wrong and I'm you're playing some kind of game and I don't like it you know it's wrong it's my money and I should be able to get my money out when I need it they have my money and holding XXXX my account without my authorization

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the CFPB and notifying the XXXX credit bureaus ( Experian, XXXX XXXX XXXX regarding improper and harmful credit reporting by XXXX XXXX Bank XXXX XXXX ( XXXX ) that is directly impacting my ability to operate and fund my XXXX-certified businesses XXXX 

XXXX. XXXX XXXX of Foreclosure and XXXX XXXX reported my mortgage as Foreclosure proceedings started, {$63000.00} past due as of XX/XX/XXXX. 

This is false and misleading, because : XXXX attempted foreclosure in XX/XX/XXXX ( Case filing attached ). 

The court determined XXXX did not have enough evidence to foreclose. 

XXXX is now re-aging the account and claiming foreclosure started XX/XX/XXXX, which is inaccurate and deceptive. 

XXXX. Failure to Honor FCRA Dispute Requirements I previously disputed these tradelines and provided : Proof of pending and dismissed foreclosure proceedings Judges acknowledgement that XXXX lacked evidence FTC XXXX report confirmation Despite my evidence, the bureaus have : Failed to mark my account as Disputed Verified inaccurate information without proof Allowed FNBA to alter dates and statuses improperly This violates : FCRA 15 U.S.C. 1681s-2 ( furnisher duties ) FCRA 15 U.S.C. 1681i ( duty to reinvestigate disputes ) FCRA 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) XXXX. Harm and Damages The false and misleading reporting has : Blocked business funding opportunities for my XXXX XXXX XXXX loss of income and contracts Created emotional distress and reputational harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to the CFPB and notifying the XXXX credit bureaus ( Experian, XXXX XXXX XXXX regarding improper and harmful credit reporting by XXXX XXXX Bank XXXX XXXX ( XXXX ) that is directly impacting my ability to operate and fund my XXXX-certified businesses XXXX 

XXXX. XXXX XXXX of Foreclosure and XXXX XXXX reported my mortgage as Foreclosure proceedings started, {$63000.00} past due as of XX/XX/XXXX. 

This is false and misleading, because : XXXX attempted foreclosure in XX/XX/XXXX ( Case filing attached ). 

The court determined XXXX did not have enough evidence to foreclose. 

XXXX is now re-aging the account and claiming foreclosure started XX/XX/XXXX, which is inaccurate and deceptive. 

XXXX. Failure to Honor FCRA Dispute Requirements I previously disputed these tradelines and provided : Proof of pending and dismissed foreclosure proceedings Judges acknowledgement that XXXX lacked evidence FTC XXXX report confirmation Despite my evidence, the bureaus have : Failed to mark my account as Disputed Verified inaccurate information without proof Allowed FNBA to alter dates and statuses improperly This violates : FCRA 15 U.S.C. 1681s-2 ( furnisher duties ) FCRA 15 U.S.C. 1681i ( duty to reinvestigate disputes ) FCRA 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) XXXX. Harm and Damages The false and misleading reporting has : Blocked business funding opportunities for my XXXX XXXX XXXX loss of income and contracts Created emotional distress and reputational harm

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
I am disputing the accuracy of a recently discovered account on my credit report. This account is completely unfamiliar to me, and I did not authorize its opening. I consider this account to be fraudulent and request its removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: VA

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 2025-07-31 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: FL

Complaint narrative:
Subject : Formal Dispute of Reinserted Item ( s ) on My Credit Report To Whom It May Concern : I am writing to formally dispute the reappearance of certain item ( s ) on my TransUnion credit report that had previously been deleted. These items were removed following a dispute, yet they have since been reinserted without the proper notification as required by the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

The FCRA clearly states that if a credit reporting agency chooses to reinsert a previously deleted item, it must : 1. Notify the consumer in writing within 5 business days, and 2. Obtain and verify certification from the data furnisher that the information is accurate. 
The item ( XXXX ) in question are as follows : Creditor/Account Name 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 I never received the required notice nor any verification regarding the legitimacy of these items. As such, I am requesting :

1. Immediate removal of the reinserted item ( s ) from my credit file, and 2. A detailed explanation and documentation of the reinsertion process, including certification from the data furnisher. Please investigate this matter and provide a response within the 30-day timeframe outlined in the FCRA. If the items are not removed or justified, I will escalate this complaint to the Consumer Finan
cial Protection Bureau ( CFPB ) and other relevant agencies.

I am also requesting the removal of credit inquiries that were not authorized by me. I have and will provide another FTC report. I am a victim of identity theft. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have paid my XXXX XXXX tax ( {$3100.00} ) in XXXX from my Citi bank XXXX account through bill pay. The amount was deducted and as per website, paper check was send to payee. This amount was never credited back to my account in event of nonpayment. I was informed XXXX XXXX  later by XXXX XXXX XXXX XXXX about nonpayment XXXX XXXX tax in 2024 with added interest at rate of XXXX XXXX amounting to {$890.00}. I followed through Citibank and it turns out that check was never encashed for more than year. I believe that Citibank should have followed through with payment and let me know of any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Request to delete XXXX XXXX charge-off account due to unresolved inaccuracies following reinvestigation. 
Experian marked the dispute as meets FCRA requirements, the account still contains inconsistencies that make the information unverifiable and misleading. Payment dates, credit limits, and past-due amounts continue to conflict across the credit bureaus. These discrepancies fall short of the accuracy and completeness required under the FCRA. 
Given that the account can not be consistently verified, Im requesting that it be deleted from my credit report and confirm in writing or email

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XXXX l opened my checking account with capital one, around XX/XX/XXXX my checking and saving account said something like : A Your funds are currently not available for withdrawal.l have XXXX $ its been more than 2 weeks and they only say my account is under review and that l need to wait and l dont know why they close it or how long will that investigation will last or why l cant withdraw my money all l know is that i am a single mother who need to feed her child and they are not giving me any answer. l already called like 3 times and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NC

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


UNAUTHORIZED INQUIRIES PLEASE DELETE : 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 Experian XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX TransUnion XXXX XXXX Equifax XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXXXXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX XXXX  and MY date of Birth is XX/XX/XXXX NOT XX/XX/XXXX. 
I AM XXXX XXXX XXXX NOT XXXX XXXX XXXX. PLEASE UPDATE MY FILE. THIS IS FRAUD.

Company response to consumer: Closed with explanation