vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: U.S. BANCORP
State: TX

Complaint narrative:
Three months ago, a banker at US Bank informed me of a promotion : if I opened a US Bank XXXX XXXX Account and deposited {$100000.00}, then subsequently opened a US Bank XXXX Credit Card, I would be eligible to receive XXXX rewards on all transactions. I followed these instructions preciselydepositing the required amount and opening the credit card. 

However, to date, I have not received the promised XXXX rewards. I have made numerous calls to US Bank customer service, spending over XXXX hours on the phone. Each time, I received inconsistent responses. Several representatives claimed that a ticket had been created and that the rewards team was working on the issue, which would be resolved within 510 business days. It has now been approximately 60 days, and I have yet to receive any resolution or follow-up. 

Yesterday, I spoke with a supervisor who informed me that the terms of the promotion had changed. According to her, maintaining {$100000.00} in the XXXX XXXX Account is no longer sufficientinstead, I now need to open a Safe Deposit Account and/or a Checking Account and fund it accordingly. This retroactive change is unacceptable. US Bank should honor the original terms communicated to customers. 

I have retained a screenshot of the promotional offer as proof. It is deeply concerning that US Bank appears indifferent to the impact of this issue on its customers. While I was able to identify that I was only receiving XXXX rewards, othersparticularly elderly or impaired customersmay not even realize they are being shortchanged. 

This has been the most disappointing banking experience Ive ever encountered. I strongly urge US Bank to take immediate corrective action and ensure transparency and accountability in its promotional practices.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I was offered a promotion by an XXXX agent during an online chat. I was promised a free XXXX as part of the promotion. I confirmed multiple times that it would be free, and the agent assured me of this. 

I later discovered that XXXX had created a separate mobile account in my name without my knowledge or consent. My main XXXX  account has always been on autopay, and I have never missed a payment. I was never billed or notified about this separate mobile account. 

When that account was canceled for alleged non-payment, XXXX automatically charged me for the full cost of the XXXX. Credence Resource Management ( the debt collector ) informed me that the {$540.00} balance exists only because of missed payments on that hidden account I was never aware of. 

This is deceptive misrepresentation and has caused unjust damage to my credit reports. 

I am requesting : Immediate recall of the collection from Credence Resource Management. 

Full deletion of the collection tradeline from XXXX, XXXX, and XXXX. 

A copy of the XX/XX/year>XXXX  chat transcript showing the XXXX was promised as free.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I sent this via email to them it was signed in the pdf to. 

Date : XX/XX/year> Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. 
I, XXXX : of the family XXXX, a living man on the land, one of the people of the American Republic, do hereby state the following under penalty of perjury and full commercial liability : - I do not consent to being identified as the corporate fictionXXXX XXXX XXXXXXXX XXXX XXXX similar all-capital-letter trust/entity created without my knowledge or consent. 
- I have no contract, agreement, or verified wet ink signature binding me to Columbia Debt Recovery LLC, dba Genesis, or any agent, affiliate, or principal thereof.

- I hereby conditionally accept your claim that I owe a debt to XXXX XXXX XXXX XXXX XXXX upon proof of the following : - A valid, lawful contract bearing my wet-ink signature and full disclosure. 
- A sworn affidavit from a firsthand witness with personal knowledge of the alleged debt. 
- The original ledger with full accounting of how the alleged amount was calculated. 
- Verification that Columbia Debt Recovery LLC is the holder in due course of the alleged debt.

- Until and unless you provide all items listed, in full, within 21 days of receipt of this affidavit, any and all collection attempts will be deemed fraudulent, a trespass on a living man, and a violation of my rights. 
- This is my formal notice of dispute under the Fair Debt Collection Practices Act ( FDCPA ). I do not believe this debt is valid. This is not my debt, and I have not been provided proper validation. 
- Failure to respond within 21 days with full validation constitutes agreement that no debt exists and waives all further claims. 
- Any further unauthorized attempt to contact or collect shall result in a commercial lien and invoice under my fee schedule.

With all rights reserved, without prejudice, UCC 1-308 Autograph : XXXX : of the family XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: CT

Complaint narrative:
Personal Statement : * Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, Equifax and Trans union immediately! 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
This letter is to formally notify you of a data breach affecting the integrity of my personal data reported on my Equifax credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/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 2025-08-28 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: TX

Complaint narrative:
This letter is to formally notify you of a data breach affecting the integrity of my personal data reported on my Equifax credit report. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I opened a savings account with American Express based on misinformation received from THEIR employee. I contacted American Express in XXXX to address several issues and they only answered in part. I was lied to and influenced to open the account based off the lie. Its predatory and I want an answer as to why their representative lied to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate and misleading information that you are reporting on my credit file. Under FCRA 1681e ( b ), you are required to maintain maximum accuracy, and under 1681i you must reinvestigate disputed information. 
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 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 non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: FL

Complaint narrative:
All applications to any company or job gets denied constant and should be cleared XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover that my credit report has been improperly used, with applications submitted in my name and companies pulling up my report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I consent to them or apply with these companies. This situation leaves me in dismay and disbelief, as it violates my rights as a consumer and feels absolutely insulting to me as a law-abiding citizen.

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 2025-08-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-28 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/, I received a payment of {$4000.00} into my PayPal account. Within 24 hours, PayPal closed my account without warning and placed a 120-day hold on the entire balance. 
Since then, I have attempted to reach PayPal support every day between XX/XX/XXXX  and XX/XX/. However, PayPal offers no direct customer service phone number, and the only way to contact them is through online chat. These chats only generate automated responses and provide no meaningful resolution. Each attempt has ended with the same message : that the decision is final, with no explanation beyond account risk. 
I also attempted to have the funds returned to the original sender, but PayPal refused. Instead, they closed the senders account as well, preventing them from opening a dispute or recovering their money. PayPal has therefore trapped funds that belong to neither of us. 
I requested to dispute the transaction so the sender could be refunded directly, but PayPal denied that request too. At this point, PayPal is refusing to ( 1 ) release the funds to me, ( 2 ) refund the sender, or ( 3 ) provide any transparency about the hold.

Holding {$4000.00} for 120 days without due process, meaningful communication, or a way for either party to recover it causes serious harm to both myself and my brother. This is borderline predatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-28 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-08-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation