vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/year> I wrote my check # XXXX in the amount of XXXX to XXXX XXXX. I received a text message from XXXX indicating that I needed to make a payment. 
I examined the US bank App on my phone and noticed that my check # XXXX amount had been changed to XXXX. I pulled up a copy of the check via app, which was illegally altered, forged and illegally deposited into XXXX XXXX  ( based in Ohio ) by an individual ( XXXX XXXX XXXX ) who altered the amount, date of check, XXXX and forged my signature for remote deposit into their account with a deposit date of XX/XX/year> That same morning ( XX/XX/year> ) I visited my branch of U.S. Bank to inform them of the fraudulent activity and the illegal deposit of my check into an individuals account and what can be done about it. Initially I was told basically " tough luck ''. The bank closed my account and opened another one to prevent any further fraud and loss of funds. I asked what could be done about my loss and was informed nothing could be done. The altered check was not deposited remotely till approximately XX/XX/year> when it cleared my bank. 

My banks branch office did not inform me of or even mention that they would temporarily refund the fraudulent check amount back into my account till the investigation had determined a fraud occurred. Every step of the way, I've had to do everything for myself on my behalf instead of obtaining U.S. Banks help in the resolution of the fraud, forgery and illegally depositing a forged instrument by someone named XXXX XXXX XXXX into XXXX XXXX XXXX XXXX XXXX 

I've sent letters informing both XXXX XXXX  and U.S. Bank at their respective home office addresses and have heard nothing so far as of todays date XX/XX/year>. 

I emailed XXXX investigations and received their " generic '' reply. 
I filed a formal police report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was told that there had been quite a few reports concerning U.S. Bank but did not elaborate. 

I filed a formal dispute via U.S. Bank against XXXX XXXX  for the illegal and fraudulent check deposit ( unauthorized paper debit ) and have heard nothing to this date. I wasn't even offered a chance at disputing the fraudulent activity until the XXXX XXXX XXXX XXXX XXXX informed me of such, of which I filed XX/XX/year>, the same day that I filed the XXXX XXXX XXXX XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> Chase bank closed 2 personal and XXXX business credit card accounts that totals over {$52000.00}. 

The reasons the company gave was as followed : I have added and removed authorized users in a short period of time. 

There is no policy against the adding and removal of authorized users. There is no time frame listed on the policy that states how long an individual has to be an authorized user. Chase bank is violating my rights as a member. I have reviewed the policy several times and nowhere on the policy does it states that an authorized user has to spend any money from the account. 

My authorized users are closed friends and family of mine. Based upon these individuals living arrangements I provided my services to them as emergency use only. If the authorized user did not have an emergency then, he/she was not granted permission to utilize the card I provided to them. 

Adding yourself as an authorized user on someone else 's credit card could help to build and establish your credit.I quoted that from the chase bank policy. 

I just would like my accounts reinstated because they were wrongfully terminated. I abided by Chase policy and I have violated no policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Misrepresentation by Bank Staff Regarding Need for In-Branch Visit Details of the Complaint : I recently opened a new Fifth Third Momentum checking account with Fifth Third Bank on XX/XX/year> and completed all required identity verification, including submission of my drivers license, which reflects my current address. After setting up direct deposits, I received an urgent voicemail from a bank employee, XXXX, on XX/XX/year> who said I must come into the branch to " validate my address. '' I spoke with XXXX and questioned this request, pointing out that the bank already had valid, government-issued documentation matching the address on file, and that my address is also publicly verifiable. Despite this, the employee insisted that the visit was mandatory in order to have my account set up properly. 

I requested escalation, and later received a call from a manager, XXXX XXXX. However, the manager told me there was no actual issue with my address, and that XXXX was only calling to " introduce himself. '' This contradicted the original claim and left me with the impression that the initial pretext for the branch visit was falsepossibly a tactic to get me into the office for upselling or marketing purposes. 

Why This Matters : This feels deceptive and misleading. Misrepresenting the reason for an in-person visitespecially under the guise of regulatory or procedural necessityerodes trust and potentially violates standards related to fair and transparent banking practices. If this is part of a broader pattern, it could mislead other consumers as well. 

I have attached the voicemail that XXXX left me. I was screening the call and as soon as I saw that he was requesting that I call back as soon as possible, I answered, which cut off the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have called Chase XXXX times since I opened my credit card due to my card being declined. Multiple transactions have been declined with no ability to validate the transaction was attempted by me via an email or push. I have to call Chase every single time and ask why I am declined. 

I have called them multiple times since I opened this card in XX/XX/year> and each time I am told the issue is resolved only to have my card be declined again. 

I just spoke with a fraud agent today XX/XX/XXXX at XXXX AM EST and asked why my card continues to be declined. She stated that this was a new account and that they needed to verify my transactions more frequently. I shared my geo location, my travel plans and confirmed multiple transactions. She stated that she has resolved this issue and that it will not happen again. 

Once we ended the call, I tried to transact with the card only for it to be declined. 

With a {$95.00} annual fee and loss of thousands of points I should be earning on this card, this feels discriminatory and unjust. I can not use a card I have paid for and expect to earn points on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XX/XX/XXXX sent debt validation letter certified to company. They received it on XX/XX/XXXX. As of today XX/XX/XXXX, I have not received any information as to what I requested in the certified letter. Instead they transferred it off to another company to collect. Have not received anything besides enclosed letter dated XX/XX/XXXX from that company. Acquired agency info from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
b'XXXX XXXX XXXX XXXX MI XXXXEquifax\XXXX XXXX XXXX, GA XXXXExperian\XXXX XXXX XXXX, TX XXXXTransUnion\XXXX XXXX XXXX, PA XXXXSubject: Formal Dispute and Demand for Immediate Action Regarding Unvalidated Debt and FCRA Violations\nTo Whom It May Concern:\nI am writing to formally dispute the validity of a debt that appears on my credit report for XXXX XXXX , which has been improperly verified and subsequently sold to a third-party debt collector/ XXXX XXXX XXXX..XXXX XXXX XXXX)  This debt is inaccurate, unverifiable, and your agencies have failed to meet your obligations under the Fair Credit Reporting Act (FCRA) to conduct a reasonable investigation and to ensure the maximum possible accuracy of the information you report.\nDespite my previous communications disputing this account, I have not received proper validation, nor have I been provided any documented evidence substantiating the legitimacy of this debt. Reporting a debt without proper investigation, validation, or documentation is a direct violation of the FCRA under Sections 611 and 623.\nThe continuous reporting of this unverifiable debt has caused significant harm to my credit standing, emotional distress, and financial loss. These violations of my rights under the FCRA are unacceptable. Therefore, I am demanding the following:\n1.\tImmediate removal of the inaccurate debt information from all of my credit reports with your agency.\n2.\tA formal investigation into the reporting and handling of this debt, including the name of the original creditor and any documents used to verify this account.\n3.\tA detailed response within 30 days, as required under federal law, outlining the outcome of your investigation.\n4.\tMonetary compensation for the continued reporting of inaccurate information, failure to validate the debt, and ongoing FCRA violations.\nIf I do not receive a satisfactory resolution within 30 days of the date of this letter, I will pursue legal action against your agency for willful noncompliance with the FCRA, including filing complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Office of the Attorney General.\nPlease consider this letter as a formal notice under the FCRA and any applicable state consumer protection laws. All future communication regarding this matter should be in writing.\nSincerely,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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Given that I did not create these not legal accounts and was unaware of their existence, kindly remove them from my credit report. I anticipate having them removed within XXXX  days in accordance with USC 1681g. Please refer to the supporting materials provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX has a no contract treatment plan that I was under for 1 year. I was supposed to contact them to come out and spray. One month, I received an invoice for services. No one authorized them to come out and no one was on my back yard camera! I told them that there was no fertilizer on the yard, no cameras footage, and no request from me to spray the yard. Now I have a delinquent account on Transunion. I disputed it, but Transunion didn't ( In my opinion ) investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I looked over my credit report and noticed hard inquiries that don't have permissible purpose according to 15 USC 1681b. 
XXXX XXXX XXXXXXXX XXXX XX/XX/year>. Delete this hard inquiry because of violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXXXX/XX/year>. Delete this hard inquiry because of violation of 15 USC 1681b

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Against Equifax Failure to Investigate or Remove Inaccurate Credit Reporting To Whom It May Concern, I am filing this formal complaint against Equifax Information Services LLC for their failure to comply with the obligations imposed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Despite multiple attempts to dispute inaccurate information appearing on my Equifax credit report, the agency has either : Failed to provide documentation or proper validation of the disputed accounts, or Failed to remove or correct clearly inaccurate or unverifiable items within the required 30-day period.

Under FCRA 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. If the information can not be verified, it must be removed. Equifaxs refusal to remove unverifiable information and failure to provide proof constitutes a direct violation of this requirement. 

Additionally, their actions contradict the CFPBs own enforcement guidance that requires credit bureaus to ensure the accuracy and integrity of consumer credit data and to respond adequately to disputes in a timely and thorough manner. 

These actionsor lack thereofhave caused undue harm to my financial standing, including denials of credit and increased interest rates, and have violated my rights as outlined by federal law. 

I request the CFPB investigate Equifax for these violations and ensure that they are held accountable for their non-compliance. I am requesting that the inaccurate, unverifiable accounts be permanently removed and that my file be corrected. 

Attached are copies of my dispute letters, relevant credit report excerpts, and any responses or lack thereof from Equifax. 

Thank you for your time and attention to this matter. I trust the CFPB will intervene appropriately to ensure Equifax upholds their legal obligations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Im disputing a charge of {$2800.00}. I have no idea what this charge is. Ive been disputing it for almost a year now. Ive asked for proof of what this is. Ive received nothing and they keep putting it on my account so I close the account, but the charge is still there. Ive just recently again asked for proof and Ive received nothing. I need help with this. This is not mine. I have no idea what this is for, and they will not provide me with any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I opened a Chase XXXX XXXX  account in Fall 2024 ( in XXXX ) with a promotional referral offer that included a {$300.00} bonus.At the time of account opening, a Chase branch employee entered the referral code on my behalf. 

However, I later discovered that the referral code had not been successfully applied. I contacted Chase customer service and was advised to visit the original branch in person to resolve the issue. 

Following those instructions, I returned to the branch and spoke with a representative. They converted my account ( again ) into a Chase XXXX XXXX  account, and said they would manually apply the eligible offer using an existing referral code. I was told I would be contacted with an update. 

It has now been nearly a year since I opened the account, and more than XXXX weeks since my last visit to the branch yet I have received no follow-up or resolution. I also contacted Chase through secure message, but was told the matter had to be handled by another team, and that I would receive no further updates. 

I have complied with every instruction given to me, including changing account types and making multiple visits to the branch. Despite this, the issue remains unresolved and I am extremely frustrated that a promotional bonus I was clearly eligible for has still not been credited. 

I would appreciate your help in resolving this matter and ensuring that the {$300.00} promotional bonus is applied to my account as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX 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 non-monetary relief