vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
More fraud blocks from US bank. Card is unusable. Have to split any charge above {$200.00} into multiple transactions. US bank locks my card due to fraud for any transaction over {$200.00}, and when I call customer service they are unable to do anything and hang up on me. Ive been hung up on 3 times in the last month. Ive verified every charge coming through and they continue to place frivolous and predjudice blocks on my account. US bank has left me stranded out of my hotel room ( in a different city 500 miles away ) multiple times in the last month for hours at a time. My power has been shut off ( because of these fraud blocks ) while I have a newborn in the house. While US bank continues to state its to protect consumers, they should have better procedures in place to verify charges and allow them to go through. Ive spent over 5 hours on the phone with US bank this week alone for these continued predjudice and predatory fraud blocks. Its only right consumers are made aware of us banks practices. I have never in my life spent so much time on the phone with any financial institution simply to be able to spend my own money.

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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Thursday XXXX XXXX2025 at approximately XXXXXXXX XXXX I went to a XXXX female bank teller to deposit XXXX cash into my account.This consisted of XXXX XXXX dollar bills and XXXX real and fully intact but dirty XXXX dollar bill. 
The teller accepted the XXXX dollar bills but rejected my XXXX dollar bill. I asked her why? The teller said if it does not pass the money counting machine she cant deposit it. 
I replied, the money is real but just dirty so it should be deposited into my account like the other money was. 
The teller again refused to deposit the bill. I asked to talk to her supervisor because I couldnt see why a real but dirty XXXX dollar bill wouldnt be accepted by the bank and deposited into my account. 
The tellers supervisor, XXXX, was also XXXX and also rejected my XXXX dollar bill. Then bought me a piece of paper titled Mutilated Currency and said I have to mail the bill to the Department of Treasury, XXXX XXXX XXXX and XXXX and if they accept it itll get deposited into my account. 
So approximately XXXXXXXX XXXX XXXX later my friend XXXX XXXX told me XXXX try to see if he could deposit the XXXX dollar bill into his account. He was called to the same XXXX female bank teller I was called to. She also rejected it but gave him a different reason why it was not deposited into his account. She told XXXX the XXXX dollar bills couldnt be deposited because she cant read the serial number on it. 
The serial number is clearly readable on the bill. 
XXXX and I are XXXX XXXX XXXX.The Bank of America employees at XXXX XXXX XXXX XXXX XXXX LA are XXXX XXXX XXXX 
They subjected us to blatant XXXX discrimination and engaged in unfair or deceptive business practices. 
I observed the teller laughing after she rejected my XXXX  attempt to deposit the money. 
To prove my factual allegations the XXXX dollar bill was accepted by a restaurant. 
However, Im still submitting this complaint to address the discriminatory treatment we were subjected to by XXXX Bank of America employees and there will be a forthcoming civil lawsuit against Bank of America by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-23 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-05-23 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX 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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express. We received your payment. 

Youre all set. You can view your updated balances online.

Dont see the deduction in your bank account? The withdrawal date will vary depending on your bank. Please check with your bank if you have any questions. 

Payment amount : {$130.00} Processed on : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I am deeply concerned about the derogatory rating on my account and its significant impact on my credit standing. This negative mark has already resulted in the denial of a recent loan application and triggered increased interest rates on my existing credit accounts. The financial and emotional distress this situation has caused is severe and will continue until this matter is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-05-23 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:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This account does not belong to me, and I am requesting an immediate investigation and removal of this inaccurate item pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate within 30 days of receiving a dispute from the consumer. If the information is found to be inaccurate or can not be verified, it must be deleted from the credit report, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/ with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-23 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-23 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: MI

Complaint narrative:
Subject : Request for Immediate Deletion XXXX XXXX ( Metro 2 & FCRA Violations ) I am submitting this complaint due to a major credit reporting violation regarding a tradeline currently appearing on my credit file from " XXXX XXXX. '' The same collection account is appearing on both Equifax and TransUnion under different furnisher names and addresses, which violates Metro 2 reporting standards and FCRA 607 ( b ) and 611 ( a ) ( 5 ) : TransUnion reports : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reports : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account number, date opened, balance ( {$520.00} ), and original creditor ( XXXX XXXX ) are identical. 

This conflict in entity names and addresses makes the account inaccurate and unverifiable, and should have been caught during reinvestigation. Under FCRA and Metro 2, bureaus must report accurate, consistent data and verify disputed information. This failure to match basic identity elements renders the tradeline invalid. 

I have already submitted Method of Verification ( MOV ) requests to all three credit bureaus. However, given that the tradeline is being reported from two distinct entities with different names and addresses, no bureau could have properly verified the data. This makes the account inherently unverifiable and subject to immediate deletion under FCRA and Metro 2 guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Subject : Request for Immediate Deletion XXXX XXXX ( Metro 2 & FCRA Violations ) I am submitting this complaint due to a major credit reporting violation regarding a tradeline currently appearing on my credit file from " XXXX XXXX. '' The same collection account is appearing on both Equifax and TransUnion under different furnisher names and addresses, which violates Metro 2 reporting standards and FCRA 607 ( b ) and 611 ( a ) ( 5 ) : TransUnion reports : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax reports : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account number, date opened, balance ( {$520.00} ), and original creditor ( XXXX XXXX ) are identical. 

This conflict in entity names and addresses makes the account inaccurate and unverifiable, and should have been caught during reinvestigation. Under FCRA and Metro 2, bureaus must report accurate, consistent data and verify disputed information. This failure to match basic identity elements renders the tradeline invalid. 

I have already submitted Method of Verification ( MOV ) requests to all three credit bureaus. However, given that the tradeline is being reported from two distinct entities with different names and addresses, no bureau could have properly verified the data. This makes the account inherently unverifiable and subject to immediate deletion under FCRA and Metro 2 guidelines.

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 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
Did not know about the high interest rate up front, asked company why the interest was so high once I found out about it and they told me that was standard. I borrowed {$3000.00} and have been making payments for a year now and I still owe {$4000.00}. I paid over {$7000.00} to this company already. The company threatens me all the time to repossess my vehicle for only being a day late. This company was involved in a data breach where my personal information was exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: GREEN ROAD FINANCE INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX wrongfully repossessed my XXXX XXXXXXXX XXXX after misapplying a XXXX payment I sent in good faith. They failed to notify me, never credited the correct account, and then reported a 30-day late payment to credit bureaus while holding my car in possession. They continue to charge interest and finance fees. Their representative admitted the XXXX payment was applied to the wrong loan and that their payroll department handles these manually, causing confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I disputed a {$4400.00} collection account reported by XXXX XXXX XXXX. My dispute was denied, but I was not provided any explanation or documentation showing how this amount was verified. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes and ensure the information they report is accurate. If they verify an account, they must be able to show how it was verified who they contacted and what documentation was used. 

Experian has made it difficult to request this information, offering no live chat option and no clear way to contact a compliance team. I believe this violates my rights under FCRA Section 611. I am requesting that Experian either provide proof of verification or remove this account from my credit report.

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 2025-05-23 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 non-monetary relief