vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: NE

Complaint narrative:
I had a checking account at U.S. bank in XXXX Nebraska and Since day XXXX of opening the account I had issues logging in so I had went on the online to login that didnt work so I went on the mobile app to login and it kept saying my account was locked to contact my bank and it kept saying that for about a week when I went and tried to pull money out it said my account was closed the next day I went in to cash a check my attorney had given me from accident and they had told me my account was closed due to fraud now if its because I kept logging in so much thats not a reason to close a bank account for fraudulent activity you can check my statement and clearly see that theres no fraudulent activity on there o really would like a explanation on why it was closed and how they figured fraud was the reason and Id like it re open I also never got my {$25.00} back from opening the account either I never got notified until I walked into cash my check that it was closed

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 2025-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: TX

Complaint narrative:
They've been calling me everyday for months for this debt and it has been relentless. They call me from numerous numbers to the point where I just have to block them. The debt was less than {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was the victim of identity theft. Someone used my social security number to sign for a lease on an apartment. I have never done so and dont know why this is reporting under my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MD

Complaint narrative:
The account listed as XXXX Bank account number XXXX is showing a XXXX late payment for XX/XX/year> on my Experian credit report. This is inaccurate. It is reporting correctly or not at all on Trans Union and Equifax, but not reported correctly on Experian. How can it be reporting differently on all three reports? That is inaccurate or incomplete, and must be deleted. I am including copies of my ID and Social, along with my Experian report and my Equifax report showing the inconsistency. Please delete the 30 day late noted in my payment history, and send me a copy of my report by mail.

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 2025-08-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
They are operating unlawfully using my name with no permission of my own. No written or verbal contract was made.

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 2025-08-03 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: GA

Complaint narrative:
My state and applicable federal reporting regulations require that no claim of negativity is proclaimed unsubstantiated, unfairly, untruthfully, unproven, spuriously nor elsewise potentially as questionably. 
With this, I demand removal from reporting or necessarily with substantial modification of the supposed claim ( s ), as currently listed, to a status undoubtable in its scrupulous and compliant reporting.

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 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
Funds were transferred on XX/XX/XXXX and {$140.00} to chime account. Chime mypay takes the money without my authorization. When I signed up it was for diredct deposit I havent had a direct deposit in order to pay back. I am currently under XXXX so any debt should have been contact by my lawyer and not taken from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: LA

Complaint narrative:
HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT AND FRUSTRATED. I recently did an investigation into my credit reports and found many inaccuracies negative accounts and inquiries on my reports and I am verifying that these NEGATIVE accounts are not mine. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer right to privacy. You are reporting fraudulent accounts that are not mine, which is an infringement of my privacy. XXXX says that I have a right to decide and deem what is private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states these NEGATIVE accounts are misleading and false reporting. Under 15 USC 1681b- permissible purpose of consumer reports. THE LAW STATES ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 6802- I have the right to opt out of any information shared to a financial institute, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which to this day I have not received. 
XXXX account beginning in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  open date XX/XX/XXXX inaccuracies and everything \ Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/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

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 2025-08-04 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: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-03 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: Early Warning Services, LLC
State: CA

Complaint narrative:
They have been, AND STILL ARE, buying/selling/AND trading my personal information WITHOUT MY CONSENT, FOR MONETARY GAIN!!!! This is IDENTITY THEFT!!!!!! 
I DONT THINK THEY READ MY REPORT WRONG SO IM SURPRISED ITS NEEDING TO HAVE A XXXX COMPLAINT FILED!!!!!! THEY ARE NOT A CREDIT BUREAU!!!!!! THEY NEVER GOT CONSENT FROM ME TO USE MY INFORMATION FOR MONETARY GAIN!!!!!!! IDENTITY THEFT!!!!!! IM GOING TO SUE THEM IF THIS CONTINUES.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Under 15 USC 1681 ( b ) act. I never gave this creditor permission to run my credit. If there is no proof of this information. Please remove. 18usc1028a this is identity theft of my character.

Under 15 USC 1681 ( b ) act. I never gave this creditor permission to run my credit. If there is no proof of this information. Please remove. 18usc1028a this is identity theft of my character.

I credit report was leaked in XXXX data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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:
Those are not my debt. I am a victim of identity theft.

This account was opened or used without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report.

Reporting or attempting to collect this debt also violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e ( 8 ), which prohibits false credit reporting of a debt that is known to be disputed.

I have uploaded an identity theft report to support my claim and also provide My driver license and social to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: GA

Complaint narrative:
I am a victim of identity theft, someone used my information to obtain goods without my knowledge or 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am requesting the deletion of the hard inquiry I received from Navy Federal that was unauthorized and fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your 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 2025-08-03 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: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: MI

Complaint narrative:
Upon checking my credit report I noticed that XXXX is inaccurately reporting the amount owed and the date the account was opened. Transunion and Experian both says the account was opened XX/XX/XXXX ( 11 months ) and the highest balance held is {$580.00} while Equifax says it was opened XX/XX/XXXX ( 1 year, 10 months ) and the highest balance held is {$800.00}. Also, they are both under XXXX different collection agency names. 
Transunion and Experian accounts are under " southwest credit systems Ip '' while the Equifax account is under " diversified adjustment '' this is very damaging to my account and also very illegal. 
I would like for these accounts to be deleted from my reports immediately!

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
I am writing to dispute inaccurate information related to a Discover account that is currently appearing on my credit report. 

The account with discover was originally opened in XX/XX/XXXX and was charged off in XXXX. I paid the account in XXXX. It currently is reporting a balance of {$2500.00}. The account was closed and accurately reported as charged off and I paid the company even after this fact. However, Discover wrote off the account internally as of XX/XX/XXXX and issued a 1099-C in XXXX. 

Following that, the account began reporting new missed payments and derogatory activity in XXXX, which is false, misleading, and violates the Fair Credit Reporting Act. Once an account is charged off and resolved, no new payment history should be added. Even more concerning, it is now showing new missed payments from XXXX to XXXX as if it is still open and calculating a 125 % utilization to my credit score which is factually and legally incorrect, this account was closed and resolved over two years ago.

The 1099-C issued by Discover lists the date of event as XX/XX/XXXX, even though the debt was settled in XXXX and the account had been closed. They appear to have used this XXXX date to re-age the account or trigger new derogatory reporting, which resulted in it reappearing on my credit report in XX/XX/XXXX with false missed payments. This is inaccurate and in violation of the Fair Credit Reporting Act, as the date of first delinquency was in XXXX. 

This is damaging my credit and constitutes inaccurate, outdated, and misleading reporting. I have filed several disputes and attempted to contact the company but have not received any resolution. 
This has negatively impacted my ability to attend school as I received a rejection letter for Grad Loans because of this incorrect reporting because it is showing up as current. It has been over 3 years since I have last dealt with this account. 

I request that this account be immediately corrected to reflect its true status as paid and closed as of XX/XX/XXXX, with no further reporting of missed payments. 

I have attached documentation showing proof of payment and the accounts prior accurate reporting. Please investigate and resolve this matter promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got into an accident in XX/XX/XXXX and was during XXXX XXXX I was in severe pain and had to do XXXX. I was consistent with my payment until XX/XX/XXXX and I paid in XXXX, Chase reported to the credit bureaus that I was late. I've submitted documents of my accident all my physical therapy reports also the I did my back XXXX in XX/XX/XXXX. Explaining that i was in severe pain at the time and it was one month that I was late. The supervisor told me over the phone this is not a free for all and she will not remove it from my credit report. I requested proof of my late payment and chase send me a letter that I have two months in late payments but I was late one month and only one month is on my credit report that is incorrect. I attached of the letter from Chase and a copy of my credit report that show 30 days. 

I received a letter from XXXX XXXX a company in XXXX XXXX CA that my personal information has a Data Breach. I called the 3 credit bureaus and froze my report. and file a police report. I recently pulled my annual credit report and for out that someone in California conducted a soft pull on my XXXX XXXX times. I have attached a copy of the letter from XXXX XXXX, the soft pulls on my credit report and the name of the person that is attempting to used my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ok so on XXXX I received my financial aid to my XXXX account and I transferred over {$470.00} to my regular checking account of citi bank, I looked and it said deposited on my citi app. Then I went back on the app about XXXX XXXX later and it said all my accounts were closed but that the money was still there but it wouldnt let me touch it. I had been with that bank for more than XXXX years. I called the customer service line and they said it was closed due to being negative {$8.00} and that they would reopen within XXXX business days. I went into the local branch on XXXX and the manager said the money was locked and she didnt know what was going on and that I had only been negative for XXXX days and that there policy is normally XXXX days overdrawn and then they close it. But it wasnt. She couldnt tell me anything or give me my money back. I called customer service again and they gave me the same answers about it being eligible to reopen in XXXX business days. I then wake up XXXX to the money no longer showing in my account and it now saying Im overdrawn {$4.00} I called again and they said that it was now going to close completely and that my money was rejected and returned back to my chime account. I contacted XXXX and they have no knowledge of it being sent back and now citi bank is saying they cant give me any answers because my accounts are closed. And I would have to dispute with chime to see where my money is. I have now disputed XXXX and both times it was denied and citi bank wont tell me anything. Ive spoke with that local branch manager about XXXX times within this almost XXXX and XXXX XXXX  week span and she says she doesnt know what happened that it all doesnt make sense about them closing my accounts and that they cant see where my money is because the accounts are closed. There is so much more stuff that has happened in this timeframe but this is the Just of it At this point idk what to do. XXXX  wont give me the money back and citi bank wont tell me where it is.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 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: Experian Information Solutions Inc.
State: MD

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 U.S.C 1681. 

Accounts Name : XXXX XXXX ( XXXX ) {$2800.00} XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. I have a right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is in 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