vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/year>, I received emails from Citi informing me that the credit limits on two of my accounts ( ending in XXXX and XXXX ) had been reduced. These reductions took effect immediately, on the same day I was notified. There was no advance warning or lawful notice provided, in apparent violation of the CARD Act, which requires issuers to notify cardholders 45 days in advance of changes that may negatively affect them. 

At the time of the reductions, both of my account balances were already below the new limits. However, this sudden change caused my utilization ratio to spike dramatically, damaging my credit profile. I had not missed any payments, exceeded my limits, or engaged in adverse usage behavior. 

I reviewed the Notices and Letters section of my Citi online account and confirmed that no prior notice was posted, mailed, or otherwise issued before the action was taken. On XX/XX/year>, two days after the reduction, Citi retroactively posted letters dated XX/XX/year>, after the damage had already occurred. These notices appear backdated to appear timely, despite being uploaded and delivered after-the-fact. This raises concerns of deceptive timing and process manipulation. 

Ive contacted Citi requesting a written explanation of how this decision was made and justification for the failure to follow lawful notice requirements. No adequate response has been received as of this submission.

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 2025-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025, Bank of America closed my joint savings account without notice. The account held {$3000.00}. I was told a check had been mailed to return the funds, but it is now XXXX XXXXXXXX and I still have not received it. I have called customer service every two weeks and was repeatedly told the check had been reissued this turned out to be false. 

Two days ago, on XX/XX/2025, my joint checking account, which held {$3600.00}, was also closed without notice. I was deeply alarmed because of the unresolved issue with the prior closed account in XXXX. 

I went to a Bank of America branch in person twice. The manager tried to help but stated he had no access to information regarding the closure and fund disbursement, as this was a risk department issue. Eventually, I was connected to someone in the risk department who informed me that : The XXXX check had never been reissued and that customer service had misled me. 
They refuse to cancel the check and issue a direct deposit or replacement check. 
I must wait 121 days before filing a claim for a check that has not arrived. 
The only option is to wait, even though theyve now withheld {$6600.00} of my money. 
When I asked what I should do for money in the meantime, they said I still have {$300.00} in another account ignoring the fact that this amount is insufficient for my essential bills. I have no incoming funds besides what I had in those accounts. 
I asked to speak to multiple supervisors, and eventually one told me they would escalate the issue and have someone call me back. I still have not received any resolution.

This situation has put me in serious financial hardship, and Ive received misinformation repeatedly from multiple Bank of America departments. They closed my accounts with no warning, are holding my money, and have provided no clear way for me to access it.

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 2025-05-16 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-16 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: FL

Complaint narrative:
I am submitting a formal complaint regarding a dispute I submitted on XX/XX/year>, for which I have yet to receive any response. On that date, I sent a debt validation request to all three credit bureaus, as I do not recognize the account in question. Given the lack of response and failure to provide proper validation, I am requesting that this item be removed from my credit report immediately.

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 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding a dispute I submitted on XX/XX/year>, for which I have yet to receive any response. On that date, I sent a debt validation request to all three credit bureaus, as I do not recognize the account in question. Given the lack of response and failure to provide proper validation, I am requesting that this item be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>2025 I was applying for the amount of XXXX dollars to pay for home improvements with Prosper who I have done business with before. I went through XXXX XXXX to get preapproved for the loan. After filing all the information meeting the prequalification and providing my banking information, through the online process I was then denied. I thought it was a technical error and proceeded to contact the company by phone when they told me that this was their procedure. I stated I did not understand that the experience was difficult because by asking for my banking information I thought that the loan had been approved, as most companies do not ask you to provide that until the end or only to provide income verification. I do not plan to apply for loans with this company again, as the experience was challenging thinking that you are approved when you are not and still having to provide your bank information.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-05-16 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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.

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am disputing a collection account being reported by NCB Management Services for a debt originally associated with XXXX XXXX XXXX XXXX, in the amount of {$4200.00}. I contacted NCB by phone in XX/XX/XXXX, and they confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX. 

Despite this, NCB continues to report the account on my credit report as of XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits companies from furnishing inaccurate or outdated information to the credit bureaus. 

Since NCB no longer owns or services this debt, they are not permitted to continue reporting it as active. I have filed disputes with the credit bureaus and contacted NCB directly but have not received confirmation that the tradeline will be removed. 

I am requesting that NCB delete this account from all consumer credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: OR

Complaint narrative:
I had unauthorized charges on my debit card. So I filed a complaint with my bank. I clearly demonstrated I did not order these items, yet my bank failed to return my money. XXXX agreed these were unauthorized. Attached you will see a copy of my 'purchases or sales '' -things- I definitely ordered are listed. Yet the other charges listed under " charges ' I did not authorize and they were not purchased on my XXXX account because they do not show up under my orders. Also when I click to view the invoice it returns me to the XXXX home page rather than view the item. 
My bank said because I shopped with them before I was responsible. 
These are the unauthorized charges XXXX {$490.00} XXXX {$640.00} XXXX {$570.00} XXXX XXXX {$1200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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:
I am formally disputing the inaccurate and potentially damaging charge-off entries reported by TransUnion, XXXX the following accounts : XX/XX/XXXX dated XX/XX/XXXX for {$2700.00}, XXXX XXXX ( XXXXXX/XX/XXXX dated XX/XX/XXXX for {$620.00}, XXXX XXXX ( XXXXXX/XX/XXXX dated XX/XX/XXXX for {$28000.00}, XXXX ( XXXXXX/XX/XXXX dated XX/XX/XXXX for {$2300.00},XX/XX/XXXX dated XX/XX/XXXX for {$0.00}, and XXXXXX/XX/XXXX) dated XX/XX/XXXX for {$420.00}. These entries not only contain inaccuracies but also raise serious concerns about the integrity and reliability of the data being reported. Under 15 U.S.C. 1681e ( b ), TransUnion is required to ensure maximum possible accuracy in the information it provides. Given the widespread issues with data breaches and data mishandling, it is likely that these inaccuracies result from compromised or improperly verified data, which has caused me significant financial and emotional distress.

The emotional burden of having to constantly dispute these errors is overwhelming. It is deeply frustrating to see my credit score suffer and my financial reputation damaged due to mistakes that are entirely avoidable if proper verification procedures were followed. These errors have real-life consequences, including higher interest rates, denied credit, and financial instability, making it increasingly difficult to achieve financial stability and security. This situation is not just an inconvenience but a violation of my rights as a consumer, and it should be addressed immediately.

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 2025-05-16 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-16 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: IL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

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 response to consumer: Closed with explanation