vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: OR

Complaint narrative:
U.S. Bank is knowingly misrepresenting material facts regarding a charged-off credit card account. I received multiple written settlement offers via email from XXXX dated XX/XX/year>, and XX/XX/year>, offering to settle the alleged debt for 50 % of the reported balance ( {$1300.00} ). These offers explicitly included my name, account number ending in XXXX, and a payment deadline of XX/XX/year>. 

Despite this, U.S. Bank responded to a previous CFPB complaint falsely stating that no such settlement offer exists and that they have no record of XXXX. This is demonstrably false and creates a significant legal issue under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and potentially constitutes deceptive business practices under federal and state consumer protection laws. 

In addition, U.S. Bank continues to report the full charge-off amount to the credit bureaus, knowingly ignoring the fact that the account has an active settlement offer. This misrepresentation undermines the integrity of my consumer credit file and causes ongoing harm. 

I requested verification of the debt, a copy of the original signed agreement, an accounting breakdown of how the amount was calculated, and clarification on why their official CFPB response contradicts their written communications. To date, they have failed to resolve these discrepancies or validate the account per legal standards.

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 2025-06-26 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICED FRADULENT ACCOUNTS OPENED IN MY NAME

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, I was scammed into sending XXXX peer-to-peer payments totaling {$570.00} to XXXX XXXX XXXX XXXX XXXX XXXXXXXX Anyone feature : {$160.00} on XX/XX/XXXX at XXXX XXXX {$75.00} on XX/XX/XXXX at XXXX PM, and {$330.00} on XX/XX/XXXX at XXXX AM. I did not voluntarily authorize these transactions ; I was misled and deceived by a scammer posing as a legitimate seller. 

I reported these fraudulent transactions immediately and filed a dispute with Chime ( Dispute # XXXX ). On XX/XX/year>, Chime denied all three disputes, stating the transfers were authorized because they were peer-to-peer payments. 

While Chime relies on the fact these were peer-to-peer transactions to deny my dispute, under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected against fraud, including when they are fraudulently induced to initiate transactions. Financial institutions are required to investigate disputes in good faith and issue provisional credits while investigations are ongoing. 

Chime failed to provide a provisional credit or a clear, written explanation for the denial. Their refusal to assist has caused me serious financial hardship, including the risk of losing a rental vehicle. 

I am requesting that Chime re-investigate my dispute, issue a provisional credit for the disputed {$570.00}, and comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a balance of {$5000.00} on my Bank of America credit card. I made the payment for the credit card and soon checked and realized I had made a payment of {$50000.00}. I immediately contacted Bank of America about this issue and asked them to resolve it since I did not have that amount in my bank account and because I did not intend to make that amount of payment. On XX/XX/XXXX, they had resolved my problem and I was shown a balance of {$0.00} for the credit card. However, the following day on XX/XX/XXXX, I checked my balance again and had discovered that it was back to {$50000.00}. Once again, I had called Bank of America support and they had told me that they would resolve the issue. It has been since over 7 months and my issue has not been resolved and currently I still have a balance of {$57000.00} as of XX/XX/XXXX of which they have charged me interest for a secondary charge which I never authorized and after they had " resolved '' my problem. I have contacted Bank of America support multiple times through calling their support number and sending in a dispute report and emailing them. On one instance when I called the support again about my issue, they had said they would send a check in which I would have to cash and pay my total balance, but they never sent a check and I wondered why they would do that rather than just reverse the charge that they made. This has affected me greatly, especially my credit score which in XXXX XXXX was at XXXX and later after this issue with Bank of America has dropped to XXXX in XXXX XXXX on 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 2025-06-26 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I am requesting the full deletion of multiple Navy Federal Credit Union tradelines from my credit report due to inaccurate, outdated, and misleading information. 

These accounts were charged off and legally referred to XXXX XXXX XXXX. According to XXXX XXXX official response to CFPB case # XXXX, a court judgment was entered on XX/XX/year>, in their favor. Despite this, XXXX XXXX continues to report charge-off balances as if the debts are still collectible, which is factually and legally incorrect. Once a judgment is obtained, the original tradeline must be closed, marked as transferred to legal, or removed entirely. Instead, XXXX XXXX continues to report : Outstanding balances ( despite legal resolution ) Charge-off status ( which is duplicative of the judgment ) No public record of the judgment listed in the credit file ( a material omission ) These inaccuracies have caused direct harm to my security clearance, my military career, and access to housing and auto financing. I have submitted proof of legal collection by XXXX XXXX XXXX, and yet XXXX  continues to report XXXX XXXX as an active creditor.

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 2025-06-26 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: GA

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 XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had closed the amex platinum card. But they never worried about the blanace they had to pay me ( XXXX XXXX approx ). I had to reach out to them then they said they will transfer balances. The transfer XXXX XXXX and rest of XXXX XXXX they said they will provide a check. I said i changed address and I have updated the addreas in the app as well. They asked if it is okay to send the check to new address, I said I am okay. They asked to verify my self I did it twice. Once by entering an otp sent to email and second by entering 3 digits on the backside of another card. I asked them how it makes sense to verify another card as that card is not even in the context. But still I verified. Then comes the third verification question for last 4 of SSN, I got frustrated. If the first two answers did not verify my why ask those questions in the first place? I said I will complain to CFPB them the agent said they will foward the chat to supervisor and ended the chat without even telling anything. The chat kept waiting and waiting. I eventually ended the chat after waiting for too long

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of birth XX/XX/XXXX XX/XX/XXXX Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Account Number XXXX To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Specifically, I request that you provide the following information : 1. Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract.

2. Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges. 
3. Proof of ownership of the debt : Provide documentation proving that your company has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to your company. 
4. Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account. 
5. Original creditor information : Provide the name, address, and contact information of the original creditor. 
Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this account to credit bureaus. 
Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed. 
Please send all correspondence regarding this matter to the address listed above. I look forward to your prompt response. 
Sincerely, 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 2025-06-26 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: IL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a XXXX XXXX XXXX XXXX I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2020, Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of birth XX/XX/XXXX XX/XX/XXXX Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX : Account Number XXXX To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following information : 1. Proof that I owe this debt : Provide documentation showing that I am legally responsible for this debt, including a copy of the original signed agreement or contract. 
2. Breakdown of the debt : Provide a detailed breakdown of the amount owed, including the principal balance, interest, fees, and any other charges. 
3. Proof of ownership of the debt : Provide documentation proving that your company has the legal right to collect this debt, including a copy of the agreement transferring the debt from the original creditor to your company. 
4. Account history : Provide a complete history of the account, including the date the account was opened, the date of the last payment, and any charges or credits applied to the account.

5. Original creditor information : Provide the name, address, and contact information of the original creditor. 
Until you provide this information, I dispute the validity of this debt and request that you cease all collection activities, including reporting this account to credit bureaus. 
Additionally, if this debt has been reported to any credit bureaus, I request that you notify them that the debt is disputed. 
Please send all correspondence regarding this matter to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief