vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I HAVE BEEN A LONG-TIME XXXX  RETAIL CREDIT CARD HOLDER WITH A CREDIT LIMIT OF {$8000.00} ON THE XXXX CASH REWARDS PROGRAM. 

THE CARD PAYS 5 % " CASH BASH '' ON ELIGIBLE PURCHASES WHICH FOR A LONG TIME I HAVE USED FOR GROCERIES, GAS AND STREAMING SERVICES AND HAVE RECEIVED 5 % CASH BACK CREDITS ON THOSE CATEGORIES OF SERVICES. 

I KEEP A RELATIVELY LOW BALANCE OF LESS THAN 25 % UTILIZATION AND THE CARD IS PAID OFF IN FULL EACH MONTH. I DON'T BELIEVE I'VE EVER PAID ANY INTEREST PAYMENTS ON THE BALANCES AND I'VE RECEIVED A GOOD AMOUNT OF 5 % CASH BACK CREDITS OVER THE YEARS ON THE ELIGIBLE SPEND. 

EARLIER IN XXXX, THE TRANSACTIONS JUST STARTED BEING DECLINED FOR NO REASON. I BEGAN TO USE ANOTHER CARD UNTIL I HAD TIME TO LOOK MORE INTO THIS. EARLIER TODAY ( XX/XX/year> ) I CALLED XXXX 'S CUSTOMER SERVICE DEPARTMENT AND ASKED WHAT WAS GOING ON WITH MY CARD. 

I WAS TOLD BY THEM THAT XXXX  HAD MADE THE DECISION TO CLOSE MY ACCOUNT. I WAS PROVIDED NO NOTICE OF THIS VIA MAIL OR ANY INDICATION THIS WAS HAPPENING. 

I THEN ESCALATED THIS UP TO THE MANAGER AND WAS TOLD THAT XXXX HAS THE RIGHT TO CLOSE THE ACCOUNT FOR WHATEVER REASON WHATSOEVER AND IT REVIEWED ITS LOAN PORTFOLIO AND DECIDED THAT IT WAS CLOSING MY ACCOUNT DOWN, BUT WAS NO REFLECTION OF MY OR MY ABILITY TO PAY. THEY HAD NO FURTHER INFORMATION ON THIS. 

THEY NEVER PROVIDED ME A NOTICE BY MAIL ON THIS OR ANY LEGALLY REQUIRED PIECES OF INFORMATION. I REQUESTED THIS INFORMATION BE SENT OVERNIGHT CERTIFIED MAIL, AND THEY TOLD ME THEY ONLY SEND THINGS REGULAR XXXX MAIL. I ADVISED THEM THEY HAVE LIKELY VIOLATED A NUMBER OF FEDERAL LAWS & BANKING REGULATIONS AND THIS COULD BE A COSTLY RESOLUTION FOR THEM. 

I ALSO LET THEM KNOW THAT I AM A CERTIFIED FINANCIAL PLANNER WITH XXXX XXXX ( XXXXXXXX XXXX XXXX ), AND THAT I HAVE A BACKGROUND IN FINANCIAL COMPLIANCE AND BANKING. IF THEY FAILED TO DELIVER ONE DISCLOSURE FORM OR NOTICE, THIS WOULD LIKELY RESULT IN A LEGAL SETTLEMENT. 

I SUSPECT XXXX DECIDED BECAUSE I CONTINUED TO RECEIVE THE REBATES AND WASN'T CARRYING BALANCES REGULARLY THAT ACCOUNT WAS A BIG-TIME CASH LOSER FOR THEM -- SO THEY DECIDED TO CLOSE IT. 

I ADVISED THEM THAT I WOULD BE TAKING IMMEDIATE ACTION THROUGH THE CFPB. ACCORDINGLY, THIS IS THE FORMAL COMPLAINT. 

THIS ALSO DOESN'T ADDRESS ANY OF THE CREDIT BUREAU IMPLICATIONS WHICH COULD RESULT IN ADDITIONAL ACTION. 

THEY WOULD PROVIDE ME WITH LITTLE ADDITIONAL INFORMATION. THANK YOU FOR YOUR HELP IN ADVANCE IN RESOLVING THESE MATTERS.

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 2025-04-28 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This misuse has resulted in the inaccurate listing of the following personal information on my credit report.I did not initiate, authorize, or recognize this information. I am formally requesting a comprehensive reinvestigation under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I respectfully request that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit 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 2025-04-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My beginning balance in my savings account was {$4000.00}, and in my checking, around {$950.00}. Fraud was committed in my checking and savings account with USAA. There was a lot of money being credited, debited, moving back and forth, etc. USAA locked me out of account and opened a fraud case to take care of it. After everything was done ( confirmed with a fraud specialist ) meaning the fraud case closed, no other action needed on my part, my account being XXXX out, I was told I received a credit from USAA for {$26000.00}. Nowhere does the letter say it was a temporary credit, or that I couldnt spend it, anything to indicate I would not get to keep that money. I have the letter of proof and was told that would be mine and thats what USAA decided to do with the extra, untraceable funds. I seen the money in my account and that was that. 
The next day, I see a debit for {$14000.00} from that credit. After hours on the phone and multiple people from USAA not understanding, I was told it was a debit from the XXXX XXXX XXXX they temporarily put into my account to keep it from going lower than {$0.00}. I have asked why my account wasnt taken back to {$0.00} before the credit, because nowhere does the credit for {$26000.00} state that part of it is temporary until the XXXX XXXX is debited. I have asked if it wasnt me taking my account lower than {$0.00} and that was fraud, why did I receive only a temporary credit to take me to {$0.00}, and now Im being debited for it from this credit, when it wasnt me who was spending all that money. Im the one paying for that money being fraudulently spent from my account. Nobody can give me a solid answer other than you didnt have that money in your account before the fraud. I have made it clear that I understand that, and in no way expected this money, but once thats what USAA decided to do and it was given to me with signed documentation, I dont want it taken away wrongfully, like I feel it is. So now Im out {$14000.00} after the bank promised me that credit is mine.

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 2025-04-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear XXXX I am writing to dispute inaccurate information listed on my credit report regarding the following account : - * * Account Name : * * JEFFERSON CAPITAL SYSTEMS - * * Account Number : XXXX XXXX XXXX Account Type : * * Debt Buyer - * * Responsibility : * * Individual - * * Date Opened : * * XX/XX/XXXX - * * Status : * * Collection account. {$9300.00} past due as of XX/XX/XXXX. 
- * * Balance : * * {$9300.00} ( as of XX/XX/XXXX ) I believe this information is inaccurate [ briefly explain the reason e.g., * this account does not belong to me *, * the balance is incorrect *, * the reporting dates are wrong *, * this debt has been paid or settled *, etc. ]. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that this account be thoroughly investigated and removed or corrected if found to be inaccurate.

I am including copies of documents supporting my claim [ list the documents if any, like identity verification, payment records, letters from creditor, etc. ].

Please complete your investigation within the 30-day time frame mandated by the FCRA and inform me in writing of the results. If the information can not be verified, it must be promptly deleted from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
At the end of XXXX, I lost my high-paying job and had to rely on credit cards for living expenses while seeking new employment. As a result, I accumulated nearly {$30000.00} in credit card debt on my XXXX XXXX XXXX account. Despite this hardship, I consistently made minimum payments and kept my account current. 

In early XXXX, I was able to secure new income and immediately began repaying my debts. On XX/XX/XXXX, I made a substantial {$10000.00} payment toward my XXXX XXXX XXXX balance. Shortly after making this payment, I was notified by the issuer that my credit limit was reduced to {$20000.00} an amount only slightly above my remaining balance. 

This action severely impacted my credit utilization ratio, leading to a drop in my credit score. I believe this is an unfair and harmful practice that punishes responsible financial behavior. Rather than being rewarded for paying down debt, I was penalized with a credit limit decrease. 

Additionally, this credit limit reduction has negatively affected my ability to obtain new credit lines for my new business. Access to credit is critical at this stage, and the timing of this reduction has severely crippled my chances of securing the financial resources needed to build and grow my business.

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 2025-04-28 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

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 2025-04-28 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-28 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: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 2025-04-28 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-28 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: TX

Complaint narrative:
I did not authorize this inquiry on my credit report 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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Im reaching out because there is an account listed on my credit report that I do not recognize and have no affiliation with. Let me be clear this account is completely unknown to me, and Ive never opened or authorized it in any capacity.

Company response to consumer: Closed with non-monetary relief