vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am submitting this complaint because U.S. Bank failed to properly investigate my identity-theft fraud claim and violated its obligations under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a police report and supporting documents to U.S. Bank showing that the credit-card account ending in XXXX contained unauthorized charges that were the result of identity theft. I am a documented domestic-violence survivor, and my abuser had access to my phone and personal information for extended periods of time. I never made any payments on this account and did not benefit from any of the transactions. 

Despite receiving my police report, U.S. Bank issued a denial letter dated XX/XX/year> ( Case No. XXXX ), stating the claim does not qualify as unauthorized third-party fraud. This response completely ignored the evidence I provided showing the unauthorized nature of the charges and my identity-theft report. U.S. Bank has failed to : Conduct a reasonable investigation ; Provide documentation supporting its denial ; and Protect a consumer who is a domestic-violence and identity-theft victim, as required under federal law.

U.S. Banks denial letter demonstrates a reckless disregard for consumer-protection responsibilities and directly contradicts the documentation I provided under 15 U.S.C. 1681s-2 ( b ) and 12 CFR 1026.13.

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 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including this item on my report without a valid permissible purpose and explicit authorization violates my consumer rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-19 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-10-19 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: CT

Complaint narrative:
XX/XX/XXXXplay a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-19 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: CT

Complaint narrative:
XX/XX/XXXXplay a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ). This violation has led to an alleged case of identity theft, breaching 15 U.S. CXX/XX/XXXXe XXXX. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. CXX/XX/XXXXe XXXXf, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. CXX/XX/XXXXe XXXXe, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Called customer service because my statement was in my husbands name instead of mine. Spoke with representative ( Employee XXXX XXXXXXXX ) tried to pull up my account and stated the info is not correct and locked my card. She informed me they would send it to investigation team and they would reach out by email. No email so I called back a week later and another representative ( Employee XXXX XXXXXXXX ) tried to verify me and could not as well. He told me I need to send my I.D again even tho I had already sent it once. These are third party representatives that wont let me talk to anyone else within the company.

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 2025-10-19 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: SC

Complaint narrative:
I took out a personal Loan with XXXX XXXX XXXX, in XXXX South Carolina. On XX/XX/year>. I made on time payments of {$5.00}, XXXX. XXXX XXXX failed to provide Full Truth and disclosure that it was my signature that created the loan from a trust account that was linked to my Social Security Number. Founders failed to provide Full Truth and Disclosure that banks can not loan money. Founders failed to provide Full Truth and Disclosure of the interest gained by my application and signature creating over {$5000.00}. And yet, XXXX XXXX XXXX did not accurately report that the loan with was paid in Full and timely. In fact, the loan was paid year early. They have negatively impacted my credit since XX/XX/year>. They are reporting to the credit bureaus that I have one- late payment. I did not grant permission for them to report this negative, inaccurate, false claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
I took out a personal Loan with XXXX XXXX XXXX, in XXXX South Carolina. On XX/XX/2019. I made on time payments of {$5.00}, XXXX. XXXX XXXX failed to provide Full Truth and disclosure that it was my signature that created the loan from a trust account that was linked to my Social Security Number. Founders failed to provide Full Truth and Disclosure that banks can not loan money. Founders failed to provide Full Truth and Disclosure of the interest gained by my application and signature creating over {$5000.00}. And yet, XXXX XXXX XXXX did not accurately report that the loan with was paid in Full and timely. In fact, the loan was paid year early. They have negatively impacted my credit since XX/XX/2019. They are reporting to the credit bureaus that I have one- late payment. I did not grant permission for them to report this negative, inaccurate, false claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: SC

Complaint narrative:
I took out a personal Loan with XXXX XXXX XXXX, in XXXX South Carolina. On XX/XX/year>. I made on time payments of {$5.00}, XXXX. XXXX XXXX failed to provide Full Truth and disclosure that it was my signature that created the loan from a trust account that was linked to my Social Security Number. XXXX failed to provide Full Truth and Disclosure that banks can not loan money. XXXX failed to provide Full Truth and Disclosure of the interest gained by my application and signature creating over {$5000.00}. And yet, XXXX XXXX XXXX did not accurately report that the loan with was paid in Full and timely. In fact, the loan was paid year early. They have negatively impacted my credit since XX/XX/year>. They are reporting to the credit bureaus that I have one- late payment. I did not grant permission for them to report this negative, inaccurate, false claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Payactiv, Inc.
State: FL

Complaint narrative:
I've asked multiple times for the company I work for and the company they use to issue me a card but it's discrimination after discrimination after discrimination. Won't return my calls, and laughs and calls me names. But cool there allowed to pick on XXXX  people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the accuracy of the information being reported on my credit file under the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon reviewing my credit reports from all three major bureaus, I have identified clear and material discrepancies regarding this accounts reporting : The account reflects different closure dates across bureaus. 

The status update date is showing recent activity in XXXX, despite the account being charged off in early XXXX. 

This creates the appearance of re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA 605 ( a ) ).

A charge-off account must not remain on a credit report longer than 7 years from the original date of delinquency, and its reporting must be accurate and consistent across all credit bureaus. 

These discrepancies directly impact my creditworthiness and violate FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy of consumer credit files.

I request that this account be deleted from my credit report unless the furnisher can provide complete, verifiable documentation of the original date of delinquency and accurately correct the reporting across all bureaus.

Please provide the method of verification if the account is not removed. 

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 non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a merchant services account inside of bank of america and applied for a credit card processor machine in which they approved me for. I only had two transactions from customers, one went through for {$4000.00} then the second one for {$2900.00} i never received. I called merchant services and they said my account ending in XXXX for XXXX XXXX XXXX was under review. And on XX/XX/XXXX they emailed me saying my account was closed and funds were placed in a reserved account with NO instructions on getting my money. So NO reasonable concerns i gave them with just two transactions initiated, they were able to charge me processing fees, even pushing my checking account into overdraft to take the fees. I've got little to no service with this merchant account as it was brand new and i didn't receive the longevity opportunities promised to me. This is stealing, this is predatory lending, these are deceptive and misleading business practices... I have consumer rights, they are violating alot of them. I am more than prepared to sue in small claims if this is not resolved as soon as possible as i've waited a whole month to receive proper instructions on getting my funds. 
Merchant account Reference # 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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
Subject : XXXX XXXX for Account XXXX and New Account Eligibility - Account Closure Related to Fraud My Chime account was closed following alleged fraudulent transactions that I did not initiate. Prior to the closure, I used the account strictly for legitimate financial activity, including receiving XXXX employee deposits and covering routine household expenses. 

I have called Chime customer service multiple times regarding the closure and the underlying issues. I received conflicting information regarding my eligibility to open a new account ; however, I was told on XXXX occasion that I would be eligible after XXXX months. 

Crucially, I believe the false transactions that led to the closure are connected to a broader issue of identity fraud impacting my name and social security number. I have previously contacted Chime to report fraud under my credentials. 

I am requesting clear, written guidance on the following : Confirmation of my eligibility status to open a new Chime account following the six-month period, if applicable. 

The necessary steps or documentation I must provide to proceed with opening a new account so I can continue to use it for receiving my employee payroll deposits via XXXX. 

I look forward to your specific instructions on how to resolve this matter quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused ongoing stress and disrupted my sleep. I have enclosed all proof for verification and ask for its immediate 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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I contacted a representative from XXXX XXXX XXXX XXXX XXXX XXXX regarding the negative Chex Systems report. During the call, I was clearly informed that If I paid the balance in full, the item would be removed from Chex Systems and I would be able to reopen a new account with the credit union. Base on that representation, Immediately paid the balance. 

After payment, I discovered that the account was not removed as promised- it was only updated to show " Paid In Full ''. This defeats the purpose of making the payment, as I am still being penalized for an account that should have been deleted under the terms discussed. Because of this continued reporting, I have been denied new bank accounts by multiple financial institutions which has caused hardship and reputational damage. 

If ChexSystems or the credit union reviews the recordings of my phone conversations with their representatives, they will clearly hear that I was informed this account would be deleted upon payment, not simply updated. 

I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), which requires that consumer reporting agencies conduct a reasonable reinvestigation of disputed information without obtaining or providing documentation of the alleged account abuse or the agreement made with the credit union.

Further, reporting the account as " Paid In Full '' after payment was made under the explicit promise of deletion constitutes inaccurate and misleading reporting under the FCRA 1681e ( b ) ( duty to assure maximum possible accuracy ). The continued presence of this record implies ongoing risk of misconduct, which is false and harmful. 

Courts have held that reporting agencies can be liable for failing to reasonably investigate of for reporting misleadingly incomplete information ( see XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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