vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NY

Complaint narrative:
i have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any correction to the fraudulent account I am referring to consist of the following. XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX XXXX  XXXX. : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have sent a number of disputes pertaining to fraudulent and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/year> without any correction to the fraudulent account I am referring to consist of the following. XXXX  : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX XXXX  XXXX. : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete. XXXX : Account number : XXXX, Inaccurate. I see this account is still not remove. Please delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: OR

Complaint narrative:
I respectfully request a review of the following items on my Equifax credit report. Please ensure these items are reported accurately. If any information can not be verified, I request that it be removed under the Fair Credit Reporting Act. 

CHARGED OFF : No items in dispute. 

INQUIRIES : XXXXXXXX XXXX Date Open : XX/XX/year> POSITIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I asked Wells Fargo for a credit line increase a few weeks ago. My current ( and opening ) credit line is {$10000.00}. I asked for a {$20000.00} total credit line ( {$10000.00} increase ). The reason I asked for this increase is because I charge rent to the card ( the card is advertised as a rent payment card ). My rent is over {$8000.00} and so I have to pay my card off early in order for the next month 's rent to charge to the card because rent day is before the payment due date. Additionally, Wells Fargo does not allow autopay to pay on any day outside of the payment due date, so I must manually pay off this card early in order for there to be enough credit line for the next month 's rent to be charged. 

Anyways, I received XXXX letters in the mail on the same day. Both letters are dated XX/XX/2025. XXXX letter says that my credit line increase has been approved! But the credit line is {$10000.00} ... which is already my credit line. The second letter says that my credit line request has been denied BECAUSE the credit limit on the account has been " recently changed. '' This is not true. The credit line has remained the same for over 6 months and is the same as it has always been. There are no other reasons stated for the denial. 

My credit score has always been excellent : XXXX on all bureaus. My household makes {$160000.00} per XXXX gross income. We have no debt. 

I then contacted Wells Fargo over the phone to see if I can appeal and also get clarification. The phone agent told me that I would have better luck going to a branch location. 

Today, XX/XX/2025, I went to a Wells Fargo branch location at XXXX XXXX XXXX XXXX, XXXX. The associate helped me call Wells Fargo customer service. The request was still denied. The agent told me that I would have better luck if I opened up a bank account with WF. 

At best, the communication is confusing and worrisome. At worst, Wells Fargo is denying a credit line increase just so I can open more products with them. 

I have attached 1. the email showing my card is approved and the original XXXX at {$10000.00}. 2. the XXXX weird letters I received in the mail that negate each other.

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 2025-11-05 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:
I am writing to dispute the following items on my credit report. Please investigate the accuracy and completeness of the following accounts, as I believe some information is incorrect and needs to be corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Hi this account with portfolio Recov Assoc was opened without my consent or knowledge and I would like this inquire removed as soon a possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
I am requesting a review and correction of the following items on my credit report. These accounts contain discrepancies or incomplete details that I believe need to be addressed. I respectfully request that you comply with the Fair Credit Reporting Act during this review process. 

Charged Off Accounts : None Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-05 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:
I am requesting that the following accounts be reviewed and corrected on my credit report. These accounts have discrepancies or incomplete information that I believe must be addressed. Please ensure compliance with the Fair Credit Reporting Act. 

XXXX XXXX Accounts : XXXX XXXX. 

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I deposited XXXX large checks after selling my house during business hours on XX/XX/year>. They were BANK CHECKS which do not need to be held. Yet, Bank of America decided to hold the checks. Legally they can hold for 7 days and they said proceeds would post on XXXX at XXXX. However now they are saying XXXX at XXXX! That is XXXX DAYS! For BANK CHECKS which can be considered cash. They are simply holding on to my more than XXXX XXXX to take advantage of the float and interest.

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 2025-11-05 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: LA

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 2025-11-05 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:
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 2025-11-05 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: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
I am filing this report against FINANCIAL RECOVERY SERVICES for engaging in unauthorized use and disclosure of my personal identifiable information. Without my knowledge or consent, FINANCIAL RECOVERY SERVICES furnished my non-public personal financial information to consumer reporting agencies in violation of my right to privacy. This information sharing occurred without providing me the legally required option to opt out, as mandated by the Gramm-Leach-Bliley Act. FINANCIAL RECOVERY SERVICESactions have resulted in the unlawful inclusion of impermissible data on my consumer report, which they are using to demand payment on extensions of credit. This conduct constitutes identity theft under 15 U.S.C. 1681, as my identifying information was used without authorization to create, maintain, or enforce an alleged debt. Such actions have caused harm to my privacy, credit reputation, and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: IL

Complaint narrative:
Ensure the quick removal of disputed accounts in line with legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I submitted written disputes to Experian and TransUnion on XX/XX/year>, identifying inaccurate, obsolete, and unverifiable information appearing on my credit reports. Despite my formal written request, these consumer reporting agencies have not demonstrated compliance with the Fair Credit Reporting Act ( FCRA ) in their verification or reinvestigation procedures.

These inaccurate entries have caused emotional distress, humiliation, loss of credit opportunities, and lower credit scores. I have not authorized either bureau to report or furnish my personal or financial data, which constitutes a potential violation of 15 U.S.C. 1681b ( permissible purposes ) and may amount to aggravated identity theft under federal law.

Under the FCRA, I am entitled to : A complete disclosure of all sources of information in my file ( 1681g ), Proper reinvestigation of disputed information within 30 days ( 1681i ), Assurance of accuracy and fairness in reporting ( 1681e ( b ) ).

I specifically requested : Removal of all unverifiable, obsolete, and misleading accounts.

Deletion of all non-account inquiries older than 30 days.

A full file disclosure identifying all furnishers and data sources.

Suppression of promotional and third-party sharing of my file.

The bureaus failure to validate or correct these items has caused continued injury and violates federal consumer protection laws.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am submitting a complaint against Citibank regarding their denial of a sign-up bonus for the Citi Strata Premier card . The promotion advertised XXXX points after spending {$4000.00} in the first XXXX months but did not clearly disclose the exclusion for customers who earned a similar bonus within the past 48 months. 

Importantly, the eligibility determination relies on records maintained solely within Citis internal systems, not accessible to applicants. Citi does not provide customers with adequate notice or the ability to verify their eligibility before applying, creating a misleading situation. 

I request CFPBs assistance in investigating this lack of transparency and ensuring Citi discloses such important eligibility information clearly and upfront in their promotional materials.

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 2025-11-05 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX starting charging services that were no longer owed in XX/XX/year>. I tried contacting XXXX but they do not have a live agent option. Being unsuccessful to reach them I reached out to Chase. This {$510.00} later I shouldve reached right away to Chase but wanted to resolve with the company XXXX first. 

Chase is refusing to reverse the charges because the merchant is not cooperating with them : I asked Chase if in good faith they would return some of the charges because it wasnt fair but they refused : weve been with Chase XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Formal Notice of Identity Theft Reinserted Fraudulent Accounts Violations of FCRA 605B, 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ) I am writing as a verified victim of identity theft to demand the immediate removal of fraudulent accounts that were previously deleted from my credit file but have been reinserted without proper verification or required notice.Your agencys reinsertion of these fraudulent accounts Creditor / Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date reported XXXXXXXX constitutes multiple, willful violations of the Fair Credit Reporting Act ( FCRA ), including : 605B ( 15 U.S.C. 1681c2 ) : Failure to block identity theft-related information upon receipt of a valid Identity Theft Report.

1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy.

1681i : Failure to conduct a lawful reinvestigation and provide written notice of reinsertion within 5 business days, as mandated by 1681i ( a ) ( 5 ) ( B ).

623 ( a ) ( 1 ) ( A ) : Furnishing information knownor that should be knownto be inaccurate.

These actions have caused measurable harm to my credit reputation and emotional distress. I am preparing to pursue civil remedies, including punitive damages, as provided under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ) for willful and negligent noncompliance.

Accordingly, I demand that you : Immediately and permanently delete all fraudulent and reinserted accounts.

Provide written confirmation of deletion within 5 business days of receipt of this letter.

Identify in writing the source ( s ) of the reinsertion and the entity that certified the validity of the disputed accounts.

Notify all third parties who have accessed or received my inaccurate credit information in the past XXXX months ( or XXXX years for employment purposes ) of the corrected record, as required under XXXX ( d ). 

Please treat this letter as a formal and final demand for compliance with all applicable provisions of the FCRA. Continued noncompliance will result in inclusion of your agency as a named respondent in pending civil litigation seeking compensatory and punitive damages.

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