vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These inquiries were made without my awareness and may be fraudulent. I request immediate investigation and resolution. Relevant paperwork is enclosed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Open Dealer Exchange, LLC
State: PA

Complaint narrative:
I am writing to report an unauthorized hard inquiry on my credit report by 700Credit/XXXX  XXXX XXXX an Automobile Dealers inquiry dated XXXX with phone number ( XXXX ) XXXX which continues to appear on my XXXX XXXX XXXX XXXX files despite my disputes. I never applied for financing or granted permission for this credit pull, and its continued presence is falsely inflating the number of inquiries on my report, dragging down my score, and causing me to be denied credit cards and loan products for which I otherwise qualify. All of my legitimate accounts rent, XXXX, XXXX are in perfect standing, and I have worked diligently to rebuild my credit following a resolved identitytheft incident in XXXX  This spurious inquiry misrepresents my responsible credit behavior and is actively harming my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express reduced my credit limit without warning on XX/XX/XXXX. I was not informed in advance. I only discovered this when my card was declined at XXXX XXXX XXXX XXXX XXXX check-in at XXXXXXXX XXXX for two rooms each {$1300.00} despite having booked the reservation weeks prior. I immediately called American Express at XXXXXXXX XXXX  and during that call, I received an email ( timestamped XXXXXXXX XXXX  ) stating that my credit limit had been decreased from {$5500.00} to {$1500.00}. 

At that moment, the representative told me the reason was due to low average monthly payments and suggested I submit recent pay stubs to request a credit limit increase. I explained that my average payments were low because my usage was low not due to financial hardship. Ive never missed a payment, maintained a utilization of about 15 %, and used the card responsibly. I am also a XXXX XXXX in good standing and significantly lost on XXXX XXXX points. 

I requested a supervisor callback. On XX/XX/XXXX, a supervisor contacted me and informed me that the limit reduction had actually been triggered due to suspected fraudulent usage citing that my low card usage followed by a larger-than-usual transaction had triggered an internal fraud flag. This was frustrating, as no fraud alert was sent to me, nor was I given the opportunity to verify the transaction before such a drastic action was taken. 

Other card issuers typically notify the customer via text, call, or app notification to verify potentially suspicious charges. In this case, I received no such communication, and only learned of the limit reduction after my card was declined while traveling. The delay in communication and lack of proactive fraud verification significantly disrupted my plans and caused embarrassment at hotel check-in. 

This situation penalized responsible credit behavior and exposed serious communication and system flaws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Service International Corp
State: FL

Complaint narrative:
The original loan was from XXXX XXXX XXXX and the present company took over XXXX XXXX XXXX. I asked them to remove the information from my credit report because the information violates my right of the XXXX that no information from medical billing and other person medical information ca be no longer used on credit reports but they refused to removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am trying to dispute a monthly transaction from my bank WellsFargo for an unfair transaction but was ultimately denied without any research or clear report from the bank. for context a leasing apartment complex named XXXX, XXXX TX have been charging me for 6 month since when I'm not living anymore despite I having reletted the apartment. however throughout communications, they did not give me any reletting form to sign even though they have already signed a lease with the person I transfer the lease to. They have show multiple times unwillingness to communicate, and even blocking my call once. I had request the reletting form, but they did not provide me one for months even after signing with the person I am reletting to. They also proved to have neglect the apartment without any due diligent to upkeep it and find another tenant despite being informed of the move out. I want to retrieve the months, when I'm not living in it anymore, I had paid, and the double charged rent, and then proceed my legal action against their breach of Texas law on housing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was called by my Fifth Third Preferred Banker about a great 4.18 % - 3 month CD rate. I thought that sounded wonderful. I opened the CD on XX/XX/XXXX with a {$100000.00}. deposit. By XX/XX/XXXX, I saw only {$340.00} in interest instead of the $ XXXX that was expected to be earned on my deposit. 
I made an appointment with the bank for XX/XX/XXXX and found out that it was actually a 4.18 % for 12 months, not for three months. However, the bank advertised it as 4.18 % for a three month CD. The person who opened my CD at the bank did not mention that it was actually an annual rate, and I am not a bank person and did not know that. I am XXXX XXXX XXXX and believe the bank purposely mislead me, and may be taking advantage of XXXX  clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-16 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: PA

Complaint narrative:
The Accounts And Inquiries Listed In My Identity Theft Report Were Fraudulently Open. I did not give any written or verbal consent to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Accounts And Inquiries Listed In My Identity Theft Report Were Fraudulently Open. I did not give any written or verbal consent to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: SC

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 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 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was not aware of the existence of these accounts, and I did not open them. Please remove them from my credit file in accordance with USC 1681g within 15 days. Documentation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I received a letter stating that I am pre approved for XXXX and I applied and got denied. I received this offer in the mail few times and got denied. I just hope this is not a fraud. The company name is Avant credit card and chief executive is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion 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. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX and I am filing this complaint regarding M & T banks, continued and unjustified hold on my personal funds, despite my full cooperation and documentation. The hold began on XX/XX/year>, I have requested documentation and sufficient explanation as to the hold, but I have not received any information. 

I recently transferred funds from my account to XXXX XXXX and subsequently purchased XXXX. These were lawful, personal financial decisions made of my own free will, with the intent of responsibly growing my funds in preparation for launching a small business. The bank flagged these transactions and requested that I appear in person, which I did. I provided valid identification, answered all questions, and confirmed that I was not coerced or influenced in any way. 

Despite this, the bank continues to withhold access to my funds without providing a clear legal reason or timeline. I have now provided all requested information, including verification that the transactions were self-initiated and legitimate. 

At this point, the banks refusal to release my funds appears to be a violation of my right to financial autonomy and access to personal funds. The delay is obstructing my ability to manage my finances and prepare for business activities. I believe this constitutes unlawful and unreasonable interference with my personal financial rights. 

I am requesting that the CFPB review this matter and advocate on my behalf to ensure the bank releases my funds immediately, or provides a clear, written explanation for the continued hold, including the specific legal basis and timeline for resolution. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
So its going on over a week I call to check on the maintenance of my account every day and none of the representatives seem to have any answers regarding my funds and why I cant access my funds. They tell me that they cant provide me with any information about my account and my funds will just be held. I went to a local branch for assistance and the banker told me this problem is out of their control which makes no sense to me I provided all of my identification for verification purposes and they still werent able to help I even tried to get my account closed to receive my funds back but they said I couldnt do that either which is ridiculous. I will make this a civil matter because this corporation CitiBank is holding me against my will to receive my funds and its causing XXXX and XXXX I have children and I have bills that need to be paid Im a tax paying citizen. So I will be getting a lawyer and taking all the steps needed to get my funds back and hopefully Im compensated and regain my funds back since no one wants to help me I have all calls recorded for evidence and theyll see how the clients here at Citibank are treated I also have video evidence of my encounter at the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am filing a complaint regarding multiple fraudulent accounts and hard inquiries on my credit report that resulted from identity theft. I did not authorize, open, or apply for these accounts, and they are damaging my credit.

I have submitted a valid FTC Identity Theft Report, along with my government-issued ID, SSN, and proof of address, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This law requires credit reporting agencies to block and remove fraudulent information within 4 business days of receiving proper documentation.

Despite my formal disputes and full documentation, the credit bureau ( s ) and/or furnisher ( s ) have failed to remove the fraudulent accounts and inquiries. I am requesting that the CFPB take action to ensure full compliance with the law and that these items are immediately and permanently deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Account TRANSWORLD SYSTEMS INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account TRANSWORLD SYSTEMS INC # XXXX as soon as possible from my reports or I will take legal action.

Company response to consumer: Closed with explanation