vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). I am disputing the reporting of a credit card account listed on my consumer report that originates from XXXX. 
The item in question is inaccurate because the consumer report discloses the full sixteendigit account number XXXX. Under the FACTA amendment to the FCRA ( 15 U.S.C. 1681j ), furnishers are required to truncate account numbers to the last four digits. Full disclosure of the account number is a clear violation of that statutory requirement and also breaches the accuracy obligations of 15 U.S.C.

1681i ( b ). Additionally, the reporting of this account was made without a permissible purpose as defined in FCRA 604 ( 15 U.S.C. 1681b ), and I did not authorize or initiate any inquiry related to this account.

The Fair Credit Reporting Act obligates credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they compile ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ). Accordingly, I request that
you conduct a thorough reinvestigation of this entry, independently verify the accuracy of the reported data, and provide me with written verification of any documentation you rely upon. Please note that Metro2 reporting standards also require proper truncation and accurate status coding ; the current reporting fails to meet those standards. 

If you can not provide satisfactory documentation confirming that the full account number was disclosed in compliance with the law, you must delete the item in accordance with 611 ( a ) ( 5 ) ( A ).

Pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ), please provide a detailed description of the reinvestigation process, including the names of all parties you contact, the specific information you obtain, and the exact statutory or regulatory provisions on which you rely in making your determination.

Account was never late. documantation attatched that it was reported in error with proof of payment. 

Disputed Items Creditor/Furnisher : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Current Balance : {$2100.00} Account Status : Open Payment Status : 30 days late ( Late 30 Days ) Violation : Full account number disclosed in violation of FACTA ( 15 U.S.C.

1681j ) and FCRA accuracy requirements ( 15 U.S.C. 1681i ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NE

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, unauthorized electronic fund transfers occurred on my U.S. Bank checking account. These transactions included multiple ATM withdrawals, casino transactions, and internal transfers made through the U.S. Bank mobile banking platform. The total amount of the unauthorized transactions is approximately {$4000.00}. 

I maintained possession of my debit card at all times and did not authorize any of these transactions. I did not share my PIN or online banking credentials with any individual. 

On XX/XX/year>, I discovered the unauthorized activity when I opened my U.S. Bank mobile banking app. I promptly contacted U.S. Bank the same day and filed fraud claims. During the banks review, I was informed that internal transfers were used to increase available funds for the withdrawals. I did not initiate or authorize these transfers. 

U.S. Bank denied reimbursement citing use of a PIN, the presence of internal transfers, and similarity to prior legitimate casino transactions. Similarity to past authorized activity does not constitute consent or authorization for these transactions. Unauthorized access to online banking can enable internal transfers following account compromise.

U.S. Bank opened multiple related fraud cases regarding this activity. One referenced case number provided to me is XXXX, which pertains to a portion of the total loss.

I am disputing U.S. Banks determination under the Electronic Fund Transfer Act and Regulation E and am requesting reconsideration and reimbursement for all unauthorized transactions, including those associated with related case numbers not yet provided to me.

I have not yet filed a police report ; however, I am in the process of
filing one to formally document this theft.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
They told me i own XXXX XXXX XXXX but the address they have i not leave on that address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
This is not my debt. I never renewed this lease, I moved out and paid my rent every month in FULL. I also told the leasing office I was not renewing this lease. This is XXXX XXXX DEBT. She was supposed to move out with me, however she changed the email address on the portal and forged my signature on the renewal lease. the apartment can not LEGALLY renew my lease without proof of ID, however they did so anyway with a forged signature. Collection agency has spoken with XXXX XXXX and is aware this is her debt, and they still will not take if off my name. PLEASE TAKE THIS OFF ME AND JOINT ACCOUNTS CREDIT. THIS IS NOT OUR DEBT.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX XXXX XXXX increased their annual fee from {$90.00} to {$150.00} with no change in benefits and said I could reject the change by : USPS mail ; calling : secure message on chase.com. 
I chose not to use USPS mail option, I called their number and listened for an option to reject the change, cancel a card or spek to a representative. No such option exists and trying other options to get to a human were fruitless. After multiple calls with no success I moved on.

After some searching, I finally found the Chase.com messaging system. Again, no option to cancel a card or reject changes to credit card changes. After wading through all the non-applicable options to " Other '', I was able to explain that I wanted to cancel my card.

They make it VERY difficult to cancel a card!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
* * Date : * * XXXX * * Rent Recovery Solutions * * * * 1945 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX * * Re : Notice of Dispute and Cease Communication * * * * Account Number XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : * * XXXX XXXX XXXX XXXX  * * Reported Balance : * * {$10000.00} To Whom It May Concern, This letter serves as * * formal notice * * that I * * dispute the validity and accuracy of the above-referenced debt in its entirety * *. This account is currently being reported on my XXXX  credit report and is marked as disputed.

Pursuant to * * 15 U.S. Code 1692c ( c ) * * of the Fair Debt Collection Practices Act ( FDCPA ), you are hereby * * directed to CEASE ALL COMMUNICATION with me immediately * *, including but not limited to telephone calls, emails, letters, text messages, or third-party contact.

You may only contact me under the limited exceptions permitted by law, specifically : 1. To advise that further communication is being terminated ; or 2. To notify me of specific legal remedies you intend to invoke. 
Any continued communication beyond these statutory exceptions will constitute a * * knowing violation of federal law * * and may subject your company to civil liability under * * 15 U.S.C. 1692k * *, including statutory damages, actual damages, and attorneys fees.

Additionally, because this debt is disputed, you are required to : * Provide * * competent validation * * of the alleged debt, including proof of contractual obligation, itemized accounting, and proof of your legal authority to collect ; and * * * Cease all credit reporting * * until such validation has been properly provided. 

If you are unable to fully validate this account, you must * * request immediate deletion * * of this tradeline from all consumer reporting agencies to which you have reported. 

This letter is not a refusal to pay, but a * * lawful exercise of my rights * * under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please govern yourselves accordingly. 

Sincerely, * * XXXX XXXX XXXX * *

Company response to consumer: Untimely response
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Experian and TransUnion that has not been properly corrected despite my efforts to monitor my credit file. Specifically, the account identified as XXXX XXXX is reporting conflicting information between the two bureaus, with Experian showing a balance of {$990.00}, a date of last activity of XX/XX/year>, a reporting date of XX/XX/year>, and a XXXX late status, while TransUnion reports the same account with a different balance of {$880.00}, a later date of last activity of XX/XX/year>, and a reporting date of XX/XX/year>, creating a clear inconsistency in balances, timelines, and account status for what should be a single, accurately maintained tradeline. Additionally, TransUnion is reporting the account DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance owed of {$9100.00}, a date of last activity and date reported of XX/XX/year>, and late payment statuses of XXXX and XXXX days past due, while this same account does not appear on my Experian credit report at all, resulting in incomplete and uneven reporting of my credit history across bureaus. These discrepancies suggest a failure by the credit bureaus and data furnishers to ensure accuracy, consistency, and proper investigation as required under the Fair Credit Reporting Act, including FCRA 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to investigate disputed information, FCRA 623 ( a ) ( 2 ), which mandates that furnishers correct and update inaccurate information, and FCRA 623 ( b ), which requires a reasonable investigation of disputed data. The conflicting balances, dates, and delinquency reporting are materially misleading and negatively impact my credit profile, and I am requesting CFPB assistance to ensure that both Experian and TransUnion fulfill their legal obligations to report verified, accurate, and fully updated information.

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 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp will not issue a cash card to me I enter my information and my address details as to where the cashapp card needs to be sent to and it declines my ability to have a cashapp card by saying unable to authorize. I have reached out to customer support several times and they never give me a straight answer as to why I'm declined the cashapp card they send me the same response every time and it's " you may be able to receive a cashcard in the future. It makes online banking very difficult for me not being granted the ability to have a cashapp card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
Multiple derogatory accounts and hard inquiries are reporting across my credit files that appear inaccurate, duplicated, or improperly verified. Several collection accounts are reported by the same debt buyers for obligations that appear to originate from the same creditors, with inconsistent balances and reporting dates. Some accounts appear to be re-aged or reported without clear documentation supporting ownership or the correct date of first delinquency. 

Additionally, recent data breaches involving financial institutions and third-party data processors exposed consumer personal information, increasing the risk of unauthorized activity and inaccurate credit reporting. Due to these breaches, I can not confirm that all reported accounts were opened, authorized, or reported accurately. 

Despite submitting disputes, several items remain on my credit reports without proper validation. I am requesting a formal investigation, verification of all disputed items, and correction or deletion of any information that can not be fully verified as accurate and lawfully reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I set up a payment plan with PNC for credit card ending in XXXX. PNC agreed to XXXX  years term with low interest rate and monthly payment but they closed the account immediately which i agreed. 

But now they cancelled the payment plan and chargin late payment of XXXX $ even though I am making payments on time as per the payment plan. 

PNC mentioned they sent a notice but I never received any. 

Please take action against PNC and have them reinstate the payment plan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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:
[ Summary of complaint ] On XX/XX/year> I received an adverse action from XXXX stating There is no credit bureau file for the applicant. XXXX identified Equifax as the consumer reporting agency used. I mailed a certified dispute to Equifax ( delivered XX/XX/year>, tracking # XXXX ) demanding a full file disclosure and reinvestigation. Equifax has failed to provide required disclosures, a meaningful reinvestigation, and notice of results within the statutory period. 
[ Facts ] XX/XX/year> : Adverse action from XXXX citing Equifax. ( Attach notice. ) XX/XX/year> : I sent a certified dispute to Equifax demanding file disclosure and reinvestigation. ( Attach dispute letter. ) XX/XX/year> : USPS shows delivery to Equifax. ( Attach USPS proof. ) [ Legal basis ] Equifax violated FCRA 1681i by failing to conduct a reasonable reinvestigation and failing to provide required notices and corrections within 30 days Equifaxs inaccurate or missing reporting caused an adverse action in violation of ECOA 1691 and Regulation B notice requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
To whom it may concern : I have the Chase Sapphire XXXX XXXX, for which I pay an annual fee and interest on purchases. I have had this card for over a decade and continue to use this card ( vs others ) due its rewards program for travel. For nearly two months, the the rewards program has not been allowing me to redeem my points.

I first notified Chase on XX/XX/year> and was told I would be provided an update with the next week as I was booking travel imminently. I was not provided an update. I called to check the status on XX/XX/year> and again on XX/XX/year> and was told that the bug was known and impacting certain customers but no fix date was scheduled. My issue was then escalated but no solve has been applied. As late as today ( XX/XX/year> ), I still can not redeem my points for use indicating Chase may be employing 'Bait & Switch ' tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: GA

Complaint narrative:
On XX/XX/year> I set up to have my car transported the fee was XXXX I booked with this company before I paid XXXX deposit which would have left a balance of XXXX upon delivery of my car the gave me of XXXX dollar discount the driver called but he couldn't understand me and I couldn't understand him he didnt speak very well so I called XXXX on XX/XX/year> to cancel the pick up they agreed and in the email they sent me they told me I would not get my deposit back I said ok but then they billed me XXXX as in if the car was picked up and delivered and it wasnt the XXXX on my credit shouldn't be on my credit this is a bad tactic if the ordered wasnt canceled it would be XXXX remaining balance upon delivery but there was never a deliver they kept my deposit but to still bill me for service that was not done is wrong this is holding me back from obtaining credit please get this removed from my credit I got all the emails

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I never received a hard-copy ( paper ) statement for my account. At no time was a mailed paper statement provided showing the balance, due dates, or itemization of charges. Because no paper statement was sent, I was unable to properly review or verify the account details. 

In addition, XXXX charged late fees to my account even though I made my payments on time. I contacted XXXX to have these late fees removed, but they refused to take them off despite my timely payments. 

The failure to provide a paper statement combined with the refusal to remove incorrect late fees has resulted in inaccurate billing and unnecessary charges. These practices have caused financial harm and prevented me from fairly disputing the account. 

I am requesting a hard copy of the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XXXX for a recurring subscription I have canceled numerous times. I provided supporting documentation including proof of canceling, proof of previous refunds from the merchant after a glitch didnt cancel it. Proof that i did not have access anymore to the service i was charged for. 

Also, I reported this on XX/XX/XXXX. It initially stated theyd have a resolution by XX/XX/XXXX. I literally just witnessed the date change from XX/XX/XXXX to XX/XX/XXXX, it happened in front of my eyes. 

Also, XX/XX/XXXX is the tenth business day after my dispute was filed on XX/XX/XXXX. I reached out to chat for an update about my case before and on XXXX and XXXX. On that date they were supposed to have finished their investigation OR provided a provisional credit if they needed longer to investigate. When i reached out, I was continously dismissed and given the run around and my case is still pending without any updates. Their support refuses to give me any answers. Im including the conversation here.

Company response to consumer: Closed with explanation