vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX  just approved my credit line increase after being XXXX overseas due to involuntary mobilization to XXXX XXXX. I was given an approved credit line increase in XX/XX/year> then deceased from {$2000.00} to {$500.00}. Before the six months were up with a false credit report score of XXXX from TransUnion. I contested it and XXXX Bank said they received this information from XXXX. Which was false and seem computer generated. I requested do speak to a live underwriter and was told it was nothing. They could do but placed another hard inquiry on my account for fhe third time in less than 6 months.

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 2025-08-24 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: LA

Complaint narrative:
I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX Date Opened XX/XX/2025 UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX/XXXX/2025

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 2025-08-24 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: IL

Complaint narrative:
b'Listed below are the Inquiries that are being challenged\n\XXXX  - XXXX INQUIRY\nCreditor Name XXXX-XXXX  XXXX  Date of inquiry XXXX XXXX\n\nPlease verify that this inquiry is reporting accurately on my report now!\n\XXXX  XXXX\n\nIt has come to my attention that an inquiry has been made on my credit file of which I have no knowledge. As per the standard procedure, this should not have been feasible without my prior approval. Therefore, I kindly request that this inquiry be removed from my credit file, or if not feasible, I would require documentation indicating the permissible purpose for the inquiry in accordance with the Fair Credit Reporting Act.'

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 2025-08-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tn XXXX ] [ XX/XX/year> ] [ Bridgecrest ] [ XXXX XXXX XXXX XXXX ] [ XXXX AZ XXXX ] Re : Request for Debt Validation Account No : [ XXXX ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above, which you have reported to the credit reporting agencies. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I request that you provide the following : The name and address of the original creditor. 

The full account number associated with this alleged debt. 

A copy of the original contract, agreement, or other documents bearing my signature that makes me legally obligated to pay. 

A complete accounting of the alleged debt, including principal, interest, fees, and how they were calculated. 

Proof that you are legally authorized to collect this debt in my state and on behalf of the original creditor. 

Documentation showing your ownership of, or assignment to, this debt. 

Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). 

If you can not provide proper validation, you are required to delete this account from all consumer credit reports and cease any further collection activity. 

Please consider this letter a dispute of the alleged debt in its entirety. This letter is being sent via certified mail, return receipt requested, and a copy is being retained for my records. 

Sincerely, XXXX XXXX ] XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

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 XXXX 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 2025-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
bXXXX XXXX two payments made towards one single loan'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
CFPB Complaint Statement ( XXXX ) Company : XXXX Product : Credit Card Issue : Account closure / misrepresentation Complaint Statement : I am filing a complaint against XXXX  regarding my credit card account XXXX 

My account had a {$500.00} credit limit. I made all payments on time and even paid {$600.00} toward the balance. Despite this, XXXX  closed my account on XX/XX/year>, citing over-limit behavior. 

The issue is that I was misled. I contacted XXXX and was told by a representative that my account was not closed. When I called again later, I was told it had actually been closed weeks earlier. This conflicting information caused me to continue paying under the belief that my account would remain active. 

I believe this is unfair and misleading. Closing the account while reporting it as derogatory is also damaging my credit, despite having 100 % on-time payments. 

I am requesting : XXXX. A full written explanation of why my account was closed. 
XXXX. Correction of any inaccurate or misleading credit reporting. 
XXXX. A review of whether XXXX followed proper notification procedures regarding the closure. 

I am submitting this complaint because I believe XXXX  acted unfairly and provided me with inaccurate information about the status of my account. 

I was only one payment behind, I always made minimum payment each month, was over limit once that was in XXXX. There were no reason to take my money and close my account without notice. 

I also have over limit protection on my account so that is confusing to me as well as to why my account is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FRAUDULENT ACTIVITY EXPERIAN XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TransUnion XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX KYXXXXXXXX TransUnion XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I have already reached out about SPS. The issue was closed but not fixed. Exactly ONE automatic payment went through, and then it stopped. Now I've been told my loan has been modified, even though I did not agree to this, and they are piling late fees on our account. I am so fed up and angry with this company. It has ALL negative reviews, for all the same reasons I am complaining, and I do not believe they should be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I am filing this complaint because my credit reports are showing fraudulent credit card accounts that I never opened, authorized, or used. Specifically : XXXX XXXX XXXX  ( Accounts ending XXXX & XXXX balances {$430.00} and {$580.00} ) XXXX ( Account ending XXXX balance {$290.00} ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$580.00} ) These accounts were opened without my knowledge or consent. I did not authorize any applications with these companies. They are the result of identity theft. 

Despite my prior disputes, these furnishers continue to report negative and damaging information on my credit reports with XXXX  and XXXX. 

This has caused severe harm to my credit score, limiting my ability to obtain housing, credit, and financial services. 



Violations of Federal Law These companies are violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by : Furnishing information that is inaccurate and not verifiable ( FCRA XXXX ). 
Failing to properly investigate disputes ( FCRA XXXX ). 
Continuing to report fraudulent tradelines after notice of identity theft ( FCRA XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MO

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.

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 2025-08-24 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: AMERIS BANCORP
State: FL

Complaint narrative:
I bank with Ameris Bank and to be honest I have not had a problem with them. I am a XXXX XXXX who works hard and I follow the laws accordingly. However, when calling about a fraud amounts on my card on XX/XX/XXXX to let them know that these charges of huge amounts were not authorized by myself and they are from XXXX  and the store front appears to be fake. I contacted their customer service fraud department and They sent me over a automated letter with case # and questions about the charges this is what was sent to me. I also called the next day on XXXX and spoke personally to Ameris Bank and they said that they have a process to follow. She asked me some questions and said that she is going to have a letter sent to me in about a couple of days regarding these charges. I had asked them after their process to reverse these charges that went through my debit card visa which is now close and another card is suppose to be coming to me in the mail in XXXX days. I would like the bank to put back my charges to my account these are large amounts and From what I understanding from some of the information that I have been researching they should put my funds back into my account now until they investigate these charges and I should not have to wait up to XXXX  months to have my funds returned to me. I do have other bills that comes through my checking account monthly and feel that this was a very disturbing act and I feel violated. I also put in a Report to the Federal Trade commission today report number is XXXX. I was also told to report it here with the CFPB as well. I also called myself and the Phone number in XXXX  just rings and I also went to this website and it appears to be a Fake Website. Can you please help with this issue. Thanks XXXX XXXX XXXX Suspicious Activity Detected on Your Card Your Card Ending in XXXX Case Number XXXX Dear XXXX XXXX XXXX As part of our commitment to protecting the security of your card, we continuously monitor for possible fraudulent activity. We need to verify that you, or someone authorized to use your card, attempted the following transaction ( s ) on your card ending in XXXX. 

Merchant Amount Date Time Location XXXX XXXX  {$510.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$590.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX {$550.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have had to close my bank cards do to scams to my account. I have also had problems with misplacing my card. Now webster bank gave me a bogus card. I can't activate this card they gave me. When I call to activate it tells me it can't be activated?? I have had this account for XXXX plus years with no problems. Please advise on what I can do to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-24 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: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I went XXXX XXXX XXXX only to check if I could be approved for financing. I gave my information only XXXX XXXX XXXX. 

Without my authorization, my credit report shows additional hard inquiries from XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX on the same date. 

I never signed or authorized those lenders to pull my credit. 

I am requesting that these unauthorized inquiries be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
This concerns Chime Financial. 
On XX/XX/year> I received a series of three emails to my personal email address, in this order : - A new login was detected to your chime account - Welcome to Chime - Your debit card is on it's way ( this email contained an address that the debit card was being sent to. This address is one that I have previously lived at. ) I have never had an account with chime, so I was immediately suspicious. I opened the first email that alerted me that a new login was detected, and followed the " change your password '' link to try to learn more. I entered my email address, and then the next page requested that I verify using a text to the cell phone number associated with my account. The number listed was mostly redacted, but the four digits of the phone number that I could see do not match my cell phone number or any numbers I have ever been associated with, so I was not able to proceed. 
The morning of XX/XX/year> I called chime to learn more and close this account. They removed my email address from the account, but told me they were not able to provide me with more information about how the account was opened and what information of mine may have been used. They only provided me with information around reporting for fraud to XXXX. I am concerned that this account may have been opened with my real SSN or other information, and that Chime has not done due diligence to prevent this misuse of my information.

Company response to consumer: Closed with explanation