vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am formally disputing the following fraudulent accounts appearing on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$10000.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$15000.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$1400.00} XXXX Opened XX/XX/XXXX Amount : {$0.00} I have no knowledge of these accounts and did not authorize them. I believe I am a victim of identity theft and request that these accounts be investigated and removed from my credit report immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: PA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am formally disputing the following fraudulent accounts appearing on my credit report : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$10000.00} XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$15000.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$0.00} XXXX XXXXXXXX Opened XX/XX/XXXX Amount : {$1400.00} XXXX Opened XX/XX/XXXX Amount : {$0.00} I have no knowledge of these accounts and did not authorize them. I believe I am a victim of identity theft and request that these accounts be investigated and removed from my credit report immediately. Thank you.

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 2026-05-25 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: MS

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
XXXX"A foreign outward remittance was done from XXXX XXXX XXXX to AMEX XXXX ACCOUNT for me same account holder. But it was never received. Contacted XXXX XXXX they said their intermediary bank XXXX has responded that the money has been deposited but i haven't received any in my amex US account. I connected with amex customer service and they were unable to share any information. Please help me to get either refund back to my XXXX XXXX or have amex perform remittance in my us amex account eitherways. Attaching transaction detailsXXXX Instance Type and Transmission XXXX Notification (Transmission) of Original sent to XXXX XXXX XXXX Delivery Status : XXXX XXXX Priority/Delivery : Normal Message Input Reference : XXXX XXXX XXXX Message Header XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Store-and-forward Input Time: XXXX Signing DN : XXXX XXXX Message Text XXXX From FinancialInstitutionIdentification FinancialInstitutionIdentification XXXX XXXX To FinancialInstitutionIdentification FinancialInstitutionIdentification XXXX XXXX BusinessMessageIdentifier: XXXX MessageDefinitionIdentifier: XXXX BusinessService: XXXX CreationDate: XXXX XXXX XXXX GroupHeader MessageIdentification: XXXX CreationDateTime: XXXX XXXX XXXX NumberOfTransactions: 1 - 1 SettlementInformation SettlementMethod: XXXX XXXX XXXX CreditTransferTransactionInformation PaymentIdentification InstructionIdentification: XXXX EndToEndIdentification: XXXX XXXX XXXX PaymentTypeInformation ServiceLevel Code: XXXX InterbankSettlementAmount: XXXX Currency: USD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DebtorAccount Identification Other Identification: XXXX DebtorAgent FinancialInstitutionIdentification XXXX XXXX CreditorAgent FinancialInstitutionIdentification XXXX XXXX Creditor Name: XXXX XXXX PostalAddress AddressLine (1/3): XXXX XXXX XXXX AddressLine (2/3): XXXX XXXX AddressLine (3/3): XXXX XXXXAccount Identification Other Identification: XXXX InstructionForCreditorAgent (1/2) InstructionInformation: AMERICAN EXPRESS TRAVEL RELATED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RemittanceInformation Unstructured: BANK ACCOUNT ABROAD XXXX End of Advice XXXX"

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Texas XX/XX/year> January Technologies , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX RE : CEASE & DESIST / DEBT VALIDATION REQUEST To Whom It May Concern : This letter serves as a formal request for validation of the alleged debt referenced above pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I dispute the validity of this alleged debt and request that you provide complete verification and documentation supporting your claim that I am legally obligated to pay the account. Please provide the following documentation : 1. The name and address of the original creditor 2. The original signed contract or application bearing my signature 3. A complete payment history and itemized breakdown of the alleged balance, including interest, fees, and charges 4. Proof that your agency has legal authority to collect on this account 5. Documentation showing the chain of assignment or transfer of the debt from the original creditor to your agency 6. A copy of any judgment, if applicable 7. Your debt collection license number and the states in which you are licensed to collect Until proper validation is provided, I request that you cease all collection activity regarding this account, including phone calls, emails, text messages, and reporting to any consumer reporting agencies. If this account is currently being reported to any credit bureau, I request that it immediately be marked as disputed pursuant to the Fair Credit Reporting Act. Be advised that continued collection activity without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute violations of the FDCPA and FCRA. If you are unable to provide the requested documentation, I demand that this account be removed from all consumer reporting agencies and that all collection efforts cease immediately. I am keeping detailed records of all correspondence and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office if necessary. Please respond in writing within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
Although this debt has been paid, it continues to appear negatively on my credit reports, which is affecting my score and the ability to qualify for mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding an alleged debt that is being reported and/or collected. I dispute the accuracy and validity of this account and am requesting that the company provide proper validation of the alleged debt. Specifically, I am requesting : 1. The name and address of the original creditor. 2. A complete itemization of the amount claimed to be owed, including principal, interest, fees, and other charges. 3. Documentation showing that I am legally obligated to pay the debt. 4. Documentation showing that the company has the legal authority to collect the debt. 5. The date of default and date of the last payment. 6. Copies of any agreements, contracts, applications, or other records that demonstrate my responsibility for the account. 7. Verification that the debt is being reported accurately and that all information furnished to consumer reporting agencies is complete and correct. Until adequate validation is provided, I request that the company conduct a reasonable investigation into this matter and ensure that any information being reported is accurate and supported by documentation. I am requesting that the CFPB assist in obtaining a response and supporting documentation from the company regarding this disputed account. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Someone attempted to open a credit card account in my name without my authorization, and several hard inquiries were generated.

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 2026-05-25 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: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Someone attempted to open a credit card account in my name without my authorization, and several hard inquiries were generated.

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 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
Once cashapp has denied another dispute with proof i am over cashapp at this point and just about done trusting them with my money i literally sent them 3 photos of what my food was supposed to look like and what i received and doordashes response acting like they didnt care either it has also taken them months to even update me on this one dispute which was only XXXX i am really confused on cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Deposited 2 checks into US bank the first one {$1900.00} IRS deposited then workers compensation for XXXX. The employee began pressuring me to open a high yield savings account I refused her behavior changed to that of irritation.One week later while on vacation in XXXX XXXX my debit card was declined. I called US bank and was told that the workers comp check had been rejected by XXXX XXXX due to the check being altered. I spent the entire week of my vacation calling to investigate who altered the check. I later found out by 3 US bank employees that the initial teller stamped over my last name with a US bank stamp and numbers and covered my last name thus altering my check purposefully which caused my account to be overdrawn by thousands.The IRS check which was also deposited scanned accordingly with no issues.I was left with my XXXX daughters stranded in XXXX XXXX with no money and begging for US bank to reverse the overdrawn of my account due to their employee error. They acknowledged the error but to no avail. They even reversed a payment I made on a credit card for the car rental I was in which in turn left me in a dangerous and alarming situation with rental company. I have been traumatized and began having serious papatations in my heart from this traumatic event.US bank literally left me stranded no money due to their employee negligence. As of today the account is still overdrawn and all my deposits taken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The First Tech Credit Union Bank scheduled on XXXX XX/XX/year> for the reinstatement and payment date XXXX XX/XX/year> but they repossessed the vehicle and advised that they erroneously repossessed the vehicle scheduled for payment on XXXX XX/XX/year>. Which was opted for fee waiver of all services except the police station fees as a conflict resolution. On XXXX XX/XX/year> the same service agent had followed up on the schedule payment of XXXX XX/XX/year>. He said that the fees will be reinstated as a matter of policy and hung up abruptly leaving the service manager resolutions undoneharassing me for not making the payment due on the XXXX XX/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 2026-05-25 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: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX {$700.00} and {$150.00} from XXXX. The filed a police report to send to chime and they keep denying my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I applied for a deferment and forbearance on my federal student loan, but my servicer did not process the request correctly. I submitted the deferment application before my payment due date, but the servicer failed to apply it and instead reported my account as late. As a result of this error, my credit score dropped XXXX points. I contacted the servicer to correct the issue, but they did not fix the reporting or provide accurate information about my options. I am requesting that the late payment marks be removed because they were caused by servicer error. I also need assistance getting placed on an affordable payment plan, as I can not pay more than {$50.00} per month. The servicer has not provided proper support or corrected their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: U.S. BANCORP
State: CA

Complaint narrative:
We took HELOC from US Bank on our primary home on XX/XX/year>. Bank promised us to give rate discount 0.5 % if we open checking account and setup auto payment. We fulfilled both the conditions but discount was never applied to our interest rate on HELOC. Two years later when I saw that I am paying interest rate without disocunt offered, I approached US bank XXXX CA, from where I got HELOC. A manager spent hours to resovle this issue but she told us to call online mortage and they only can fix this issue. We called online mortage dept and online representative promised us to fix this issue in 5 business days. They never returned any call or letter. We called them again and then online mortage dept told us to go to bank and bank only can fix this issue. We keep on going to bank and online but US bank never fixed this issue. My intereset rate was XXXX rate + 0.5 percent. Today it is 7.25 %. With discount as offered, I should be paying 6.75 %. However, I am still paying 7.25 %. I would request to fix this issue from the day one. Thank you

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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Provide written request with no response and calling with no response several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
Ive had a bank account with M & T Bank for the past 2-3 months. They decided to put my account on frozen or hold status without telling me and I have over {$8000.00} in my account. I went to three different branches and have been told that I needed to wait for an internal review or investigation is conducted. They will not release my funds for my rent and car to be paid and its costing me late fees and return fees. I called over a dozen and more times and have been told that I need to go into the branch and get it released and verified that direction. They are now telling me that Im being at risk of closure and I havent even done anything to this bank and they wont give me back money from my checking and Savings account. I had no food, no XXXX XXXX money or gas to move around. Im on the verge of losing my job because I have no money for gas. I need my account restored or, I may sue for emotional distress and etc. I have pictures and video recordings on how rude and disrespectful they have been and unwilling to help and resolve the issue. They didnt even have a reason as to the purpose of my account being frozen or locked.

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