vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
In early XX/XX/year>, I submitted a {$50.00} credit card payment to my US Bank account via XXXX XXXX. Due to an error, the first payment was initiated from a savings account that doesnt support external transfers. Despite this, US Bank credited the payment and marked my XXXX minimum payment as satisfied. 

Upon discovering the issue, I promptly resubmitted the {$50.00} payment from the correct account. US Bank later charged me a {$30.00} returned payment fee. I called their customer service and explained the situation. A representative acknowledged the error and reversed the {$30.00} fee. 

However, a few days later, I noticed a new {$40.00} return payment fee added to my account. When I called again, US Bank claimed there were two returned payments, which is incorrect. The second payment went through successfully, as confirmed by my XXXX XXXX transaction history. 

US Bank instructed me to fax proof of payment from XXXX XXXX, which I did. They also told me the {$40.00} fee would be reversed. However, shortly afterward, I discovered that US Bank removed the {$50.00} payment entirely from my account history and had not reversed the {$40.00} fee as promised. 

I called again and was told that the reversal of the {$40.00} fee could not be processed because " only so many return payments can be reversed, despite being assured in a prior call that the reversal was already approved. Only after I mentioned involving legal counsel did they acknowledge my fax and agree to honor the {$50.00} payment. Yet they still refused to return the {$40.00} penalty fee, which resulted from an error on their part. 

This has now required multiple phone calls, a faxed document, and repeated corrections of their own internal mistakes. I have acted in good faith throughout the process and fulfilled my payment obligation, but US Bank has repeatedly misrepresented the situation and failed to resolve the issue fully. I am requesting the return of the unjust {$40.00} fee and assurance that no further erroneous penalties will be applied.

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 2025-07-17 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: NJ

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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX/XXXX  ] Account Number : [ 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
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information under FCRA - Late Payment, Inquiries, and Personal Data Errors To whom it may concern, I, XXXX XXXX XXXX XXXX, am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ) to formally dispute and request the deletion of inaccurate information currently reported on my credit file.

1. Account Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late Payment : XX/XX/XXXX ( XXXX Late Payment ) I request the immediate removal of this late payment reported by Ally Financial because : - I have not received official documentation supporting this delinquency.- The report may contain processing errors as this account was recently opened.- The FCRA states that any information that can not be verified with accurate documentation must be corrected or removed from the report ( FCRA 1681i ( a ) ( 5 ) ).

2. Unauthorized or Questionable Inquiries I also dispute the following inquiries which I believe XXXX have been unauthorized or not properly certified : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by the FCRA, inquiries should only appear on a credit report when authorized by the consumer or in connection with a legitimate credit transaction. Please remove any inquiry that can not be verified with proof of consumer consent. 

XXXX. Personal Information Correction In addition, I request the removal or correction of the following inaccurate personal information : Incorrect Alternate Names : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that an immediate investigation be initiated and that I be notified in writing of the results within the 30-day period required by the FCRA. I appreciate your prompt attention to this matter

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 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$17000.00}

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 non-monetary relief
Consumer complaint received 2025-07-17 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: Fidelity National Information Services, Inc. (FNIS)
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX made a derogatory ChexSystems report about me, alleging " account abuse '' and claiming I owe {$170.00}. The account was charged off XX/XX/XXXX and apparently reported XX/XX/XXXX. 

XX/XX/XXXX I disputed this and received a boilerplate response saying the report has been verified to be accurate and complete by the reporting institution. 

I investigated further and found that I owe {$33.00} to the bank, but I am not liable for the balance. I mailed a letter to the listed address for the bank and it was returned to me as undeliverable as addressed. This letter details my findings and includes an offer of settlement. 

XX/XX/XXXX I filed a second dispute, including the letter and noting that my mail was not deliverable at the bank 's listed address. 

XX/XX/XXXX I received the same boilerplate denial of my dispute, in no way addressing the content of my objections. 

It appears that ChexSystems defers completely to predatory banks in its dispute process and does not perform due diligence or the specific obligations listed in 15 U.S. Code 1681i.

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 2025-07-17 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: OH

Complaint narrative:
In XXXX and XXXX, I submitted multiple written disputes to Experian via certified mail regarding inaccurate, outdated, and unverifiable information on my credit report. These disputes included detailed descriptions and supporting documents. I cited my rights under the Fair Credit Reporting Act ( FCRA ), including 1681i ( right to reinvestigation ) and 1681e ( b ) ( duty to follow reasonable procedures to ensure accuracy ).

Despite this, Experian responded with generic " verified '' statements without providing any documentation or proof that the disputed accounts were validated using original source records. This indicates a failure to follow reasonable investigative procedures.

This is my third formal dispute round, and Experian has not addressed the factual inaccuracies nor provided any actual documentation. The continued reporting of these unverifiable accounts is a willful violation of the FCRA, causing measurable harm to my creditworthiness and financial health.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Closed my accounts I did file a former complaint, but they are taking extremely long. Now i got more information on the closure they think or at least the perception is i committed fraud on the claim process. But i find it very stressful and disrespectful that a customer of 12 years would jeopardize a great relationship. I think maybe they are trying to get rid of certain customers that don't fit the profile. Maybe they are finding any little thing to get rid of their XXXXXXXX XXXX  customers. I deposited all my payroll to those accounts as well as their bill pay feature. so now that the accounts have closed, they are all overdrawn which makes no sense before i closed it. they reversed a claim and rejected it so i was minus- {$1000.00} immediately in the morning i made two deposits to clear the XXXX so now the account was no longer overdrawn i made all the accounts.be at XXXX again all positive and now I'm overdrawn by {$200.00} and the charge is Debit XXXX XXXX Check XXXX _ {$200.00} and i have this same charge on my savings- {$25.00} debit dda check charge this has made my life a living XXXX please restore my account!! and allow me to bank with your bank and stop playing poltics

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I had a account with PayPal, I had a handful of transactions with another business ( who I was redoing a house for ) I had every message and or receipt and PayPal closed my account stated it was against there terms and they are not allowing me to withdraw draw my money XXXX dollars. They cause me to lose the job and finance wise so much stress. I asked for reasons they gave me none I asked for proof they gave me none.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
My vehicle was deemed a total loss and my insurance provider, XXXX, sent a check to my lienholder, Bridgecrest. This was a large amount of money but does not cover what I owe on the loan so I am responsible for the remainder. Upon receipt of the payment, Bridgecrest refuses to apply the payment to my account properly. In addition to not applying the payment to my account properly, they initiated several payment reversals on my account making it look like I am behind on payments and now are reporting as such on my credit. I have attempted to discuss this issue with Bridgecrest and I have been told there is nothing they can do. I was sent a transaction history list that shows all of the payment reversals they put on my account along with the insurance payment not showing correctly. I attempted to call back in and speak with them and they told me there is nothing they can do, the payments are the way they are. I requested policy/contract documents that provide an explanation of how they applied my payments and reversed my payments and they said that there is not anything they can provide on that end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-17 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
Multiple people never followed up on the account when I had a payment contract with the medical company. Also they had already pulled money out of the account before the debt collection company had the account. The medical company also continued to pull the money out of my account, yet the debt collection company tried to get the full amount of debt plus interest. They did not follow up when stated. I called back 3 times. They have also continued to harass me with phone calls and text messages even once the debt was paid off with the medical company. I have the text messages saved. I stated that I would be turning them into the fraud line if they continued because I already had a payment contract and owed {$79.00} dollars, yet the last guy was still trying to collect payment information. I have an email with the payment contract amount and dates from the medical company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am formally requesting immediate action to remove multiple unauthorized credit inquiries made without my consent. These entries have negatively affected my credit score and raise serious concerns about potential identity theft. 
Despite prior assurances from your agency that these inquiries would be removed, they remain on my report. This ongoing failure to act is unacceptable and is causing continued financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
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 Address : XXXX XXXX XXXX  XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief