vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: GA

Complaint narrative:
In XXXX US Bank saw an unused savings account with XXXX cents in it, and changed the XXXX XXXX XXXX to give it maintenance fees. ( I don't set up accounts with companies that charge me maintenance fees ) The account was given 2 monthly {$4.00} maintenance fees, and then charged {$30.00} to close it. ( {$38.00} in total ). 

There was no expense to US Bank to maintain the account. No one from US Bank reached out to me, told me they were charging an account with no money in it, tried to move money from my personal checking account, or informed me that that they were closing the account. ( When the account disappeared from my online banking, I thought US Bank was closing {$0.00} balance accounts for security reasons ). US Bank stuck me with a bill, w/ no notice or services provided, and then quietly sent me to collections. 

8 years later, when trying to open a new business checking account ( along with my personal checking account ), I spent almost 3 hours talking with 9 different US Bank employees on XX/XX/XXXX trying to figure out where it went wrong. There was no accountability. The dispute team said they would have taken care of it, but they weren't able b/c of how old the account was. A branch teller and XXXX from XXXX, XXXX XXXX US Bank doesn't have any branches in Georgia ) both told me that they wouldn't help me fix the issue US Bank caused. The manager tried to make up a series of false excuses, which I called her on, and she ultimately said she wasn't going to do anything to help me. 

This is textbook bad faith and predatory banking practices. 

And I am especially disgusted that US Bank would rather spend XXXX more in labor costs defending their bad practices, rather than just remove the fees I should have never received, and clear my name, in the best interest of the bank-customer relationship. 

Desired outcome : Remove the 3 fees that should have never been applied, and remove my name from any collections agency. An apology for creating the problem, dragging it on, and lack of customer service when it was caught would be appropriate, but I don't much from US Bank after this experience.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are 3 collections on my credit report that I do not recognize. I have tried on several occasions to have the credit bureaus investigate this information. Twice now I have mailed them information to request an investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXXXXXX - # XXXX {$650.00} To this date, they have failed to even initiate a single investigation into the matter. Therefore, I am making my formal request through this medium to ensure my request gets taken seriously. 

Please accept my documentation attached to this complaint and investigate and remove /block the fraudulent accounts mentioned.

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

Complaint narrative:
There are 3 collections on my credit report that I do not recognize. I have tried on several occasions to have the credit bureaus investigate this information. Twice now I have mailed them information to request an investigation into the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXXXXXX - # XXXX {$650.00} To this date, they have failed to even initiate a single investigation into the matter. Therefore, I am making my formal request through this medium to ensure my request gets taken seriously. 

Please accept my documentation attached to this complaint and investigate and remove /block the fraudulent accounts mentioned.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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. XXXX XXXX has violated my rights I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and noticed this account reporting a lot of inaccurate information. I contacted them but nothing has been resolved. Please help them report the right and accurate information on this account. 

This is the account that needs to be re-investigated or deleted off my credit reports. 

ACCOUNT : XXXX ACCOUNT XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$370.00} Thank you for your help

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently looked at my credit report and noticed this account reporting a lot of inaccurate information. I contacted them but nothing has been resolved. Please help them report the right and accurate information on this account. 

This is the account that needs to be re-investigated or deleted off my credit reports. 

ACCOUNT : XXXX ACCOUNT XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$370.00} Thank you for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b'I have been repeatedly denied a XXXX XXXX Signature from JP Morgan Chase. with reference to an IRA account of my deceased motheXXXX XXXX XXXX XXXXeasons given have been: the fact that my mother did not have her own account at Chase, and that my brother, executor of her will, did not have his account there.\n\nI personally have more thaXXXX XXXX XXXXn savings at Chase, and the value of the IRA distribution at issue iXXXX XXXXRA issuer has said, "It\'s up to Chase to issue it."\n\nMy brotheXXXX XXXX XXXX XXXX XXXX  is executor of my mother\'s estate and reachable at XXXX XXXX XXXXPlease contact me with further questions or requests for documentation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: GA

Complaint narrative:
I asked for some specific information needed about a collection account that was reporting inaccurate data on my consumer reports. I also asked that all reporting be stopped until the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have contacted synchrony bank multiple times requesting a signed contract and the truth in lending disclosure and they are refusing to send it to me. The contract was signed XX/XX/2024.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I was a loyal customer with American Express, and has no delinquent or late pay activities since I open the card. Besides I have strong credit profile. When I tried to use my card by end of XXXX, it was not available to be used. And when I called in for more information, the XXXX XXXX ( XXXX - XXXX ) is really rude and keeps saying that they have nothing else to share. If you need more information, you just go and check your agreements. I asked whether I could make a record for the conversation since I feel she is really impolite. She said Amex doesnt allow customer to record. 

When I asked what is the adverse action for it, she continues saying no additional information. When I checked the agreements based on what she said, there is nothing useful there. Therefore, I asked for more details. Again, she said nothing to be shared, and just check your agreements. 

When I asked about my reward points which worth more than $ XXXX. I was told that it is gone, they can't do anything with it. 

Some of my XXXX friends also got card closed with no reason. I even doubt whether this is something related to discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-05 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume 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 non-monetary relief
Consumer complaint received 2025-05-05 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: RI

Complaint narrative:
Inaccurate and unlawful reporting of a collection account ( XXXX XXXX XXXX ) violations of FCRA, Metro 2, FACTA, and UDAAP Complaint Description : I am filing this complaint against the three credit bureaus mentioned above for the unlawful reporting and maintenance of a collection account reported by XXXX XXXX XXXX, with a partial account number XXXX, associated with the original creditor OPTIMUM. 
After reviewing my credit reports, I have identified multiple violations : 1. Inconsistent reporting across bureaus : XXXX  reports the account as Open, while XXXX  and Experian report it as Closed, violating FCRA 1681e ( b ), which requires maximum possible accuracy and consistency. 
2. Illegal re-aging : The account is reported with recent activity dates ( XX/XX/year> ), despite no valid payments or activity, suggesting improper re-aging, which is prohibited under FCRA 1681c ( a ) ( 4 ) and the FACTA amendments.

3. Charge-off reported without payment history : None of the credit bureaus provide any payment history, yet they report the account as a Collection/Charge-off, violating Metro 2 standards and FCRA 1681s-2 ( a ) ( 1 ) ( A ), which require complete and accurate reporting.

4. Failure to mark account as disputed : If this account was previously disputed, it must be flagged as such. Failure to do so constitutes a violation of FCRA 1681c ( f ).

5. Possible medical debt : If this collection account is medical in nature, it is protected under 15 U.S.C. 1681c-2, which prohibits reporting within the first 180 days and requires deletion once paid or settled.

6. Unfair and deceptive practices UDAAP : Maintaining inaccurate, contradictory, or unverified data may constitute unfair, deceptive, or abusive acts or practices under the Dodd-Frank Act, 12 U.S.C. 5531 and 5536, enforced by the CFPB

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX  XXXX - Balance : {$190.00} - Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$12000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief