vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted Fifth Third Bank to revoke authorization for automatic payments related to a XXXX loan. I clearly stated I no longer wished for any automatic withdrawals to be made from my account. I also informed the representative that under the Electronic Fund Transfer Act ( EFTA ), I have the legal right to revoke authorization for automatic payments, and that such revocation must be honored if given at least XXXX business days before the next scheduled transfer. 

Despite this, the representative ( XXXX ) repeatedly told me : I do not have the right to revoke There is no way to control it That their terms and conditions do not allow revocation I pointed out that federal law overrides contract terms and even quoted EFTA in the chat. I also asked multiple times to speak with a manager, and was told by XXXX that his manager ( XXXX ) also claimed they were following the same guideline, falsely asserting that XXXX payments are not the same as automatic payments from other companies. 

This is factually incorrect and illegal. Any recurring electronic withdrawal from my account is covered under Regulation E, and I have the right to revoke it. Fifth Thirds denial of that right and their insistence that their terms override federal law is a violation of the EFTA and constitutes misrepresentation of my consumer rights. 

I requested to stop the payments, I was denied, and I was provided with false information about my legal rights. I am now concerned they will withdraw funds from my account despite my revocation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I'm writing to express my concern regarding the closure of my XXXX XXXX XXXX credit card account with US Bank. The account was closed without any prior notification, and I had approximately $ XXXX {$600.00} worth of unused reward points at the time of closure. 

Upon contacting US Bank 's customer service, I was informed that there is no way to reimburse me for these reward points. This is particularly frustrating as I was not given any opportunity to redeem these points before the account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Repeated calls, emails, text messages daily. Needs to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX I sent a dispute, validation of debt to this company and never receive anything from them. 

LVNV FUNDING LLC Acct # XXXX I attache the letter that i sent to them and they never validate your debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Verify ALL Disputed Late Payments - Request for Deletion Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, equifax and Experian I am writing in response to my recent dispute regarding ALL late payments listed on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and verify disputed information within 30 days.

To date, you have not provided any verification or documentation supporting the accuracy of these late payments. Additionally, you failed to inform me of the method of verification or provide the name and contact information of the furnishers, as required by law.

Because no verification was provided, you are obligated under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the disputed entries from my credit report.

I am requesting the immediate removal of this inaccurate information. If you do not comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for noncompliance.

Please provide written confirmation that this information has been removed within 15 days. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CITIBANK, N.A.
State: MN

Complaint narrative:
My identity was stolen and someone open a credit card in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
I XXXX XXXX request Debt Validation Request under FDCPA, FCRA, and Regulation F To Whom It May Concern, I am writing in response to an account you are reporting on my credit report with Equifax and TransUnion in the amount of {$690.00}. Account " XXXX '' I dispute the validity and accuracy of this alleged debt being reported on my credit reports I ask Transunion and Equifax and hereby exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and Regulation XXXX to request full validation and proper documentation from creditor. Please provide the following : XXXX. Validation of Debt including the amount, original creditor, and detailed breakdown. XXXX. Copy of the Original Contract bearing my signature. XXXX. Proof of Chain of Custody/Ownership from the original creditor to XXXX XXXX XXXX XXXX XXXX. Proof of Transfer or Assignment of the debt, including dates and documentation. XXXX. Notice of Debt sent to me as required by 15 U.S. CXXXXe XXXXg. I never received proper notice from the original creditor that this account was sold, nor have I received a XXXX form, which calls into question the legitimacy and reporting of this account. Additionally, I do not recall authorizing this company to report this debt to the credit bureaus. Therefore, I also request their authority and permissible purpose for furnishing this account to Equifax and TransUnion under 15 U.S. CXXXXe XXXXb. Until these items are fully provided, please consider this account disputed and cease all collection activity, including being reported to the credit bureaus, in accordance with the law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$14000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$30.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$3500.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am writing to file a formal complaint concerning National Credit Systems reported on XX/XX/year> in the amount of XXXX XXXXXXXX regarding what I believe to be the improper use of my consumer credit report. An entity or individual has accessed and/or used my credit report without my authorization or for a purpose not permitted under the Fair Credit Reporting Act ( FCRA ) .This unauthorized use is a violation of my rights under the FCRA. I respectfully request that the CFPB investigate this matter and take appropriate action to hold the responsible party accountable. I am also requesting that any unauthorized inquiries or resulting activity be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Credit Card Account decrease My credit limit was reduced after I made XXXX payment of XXXX in XXXX that were returned for XXXX from my bank. I clearly had the money in my account and it was sent to PenFed. I sent PenFed screenshots of the money leaving my bank, as they asked me to. I have been ignored after sending in documentation by everyone at PenFed except for a gentleman named XXXX, who has helped as much as he could, and told me he feels that I have been wronged, but he does not have the authority to overturn the decision. I sent the below letter to PenFed on XX/XX/XXXX and it was not addressed until i called on XX/XX/XXXX to inquire about the progress of my case. 


Dear PenFed Credit Card XXXX, I hope this letter finds you well. I am writing to formally request the reinstatement of my credit limit to {$7500.00} on my PenFed credit card, which was recently reduced to {$5500.00}. 

I have been a responsible and loyal member of PenFed, and I highly value the services and support the XXXX XXXX provides. Throughout my time as a cardholder, I have consistently demonstrated responsible credit behavior, including making timely payments, maintaining a good credit utilization ratio, and managing my overall debt effectively. 

The recent reduction in my credit limit came as a surprise, as I have not experienced any significant negative changes to my financial situation. In fact, my income and credit profile remain strong and stable. A higher credit limit not only provides me with added flexibility, but it also contributes positively to my credit utilization ratio, which in turn supports my credit health. 

I respectfully ask that you reconsider the decision and restore my credit line to {$7500.00}. I am happy to provide any additional documentation or information that might support my request, including income verification or recent credit reports. 

I have spoken to XXXX on the XXXX XXXX, and he suggested that I send this letter, ( he also sees no cause for the credit line decrease ). 
Thank you for your time and attention to this matter. I look forward to a favorable response and continuing my positive relationship with PenFed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
I put in a dispute with Experian the remove affirm inc from my credit report I provided them with the evidence that affirm says in no longer responsible for the outstanding loans and they refuse to delete it off my credit report. With the evidence provide Experian says it staying on my report which is unacceptable and unethical.

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