vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
Dear U.S. Bank, Im following up regarding my closed credit card account and the rewards I earned before the closure. My XXXX  gave me full authorization to use the account, and I did not know at the time that it was against policy. Ive learned from this and wont repeat the mistake. 

Whats upsetting is how my rewards were handled. I followed all requirements to earn the {$300.00} bonus and more afterward. I never missed a payment and used my linked bank account to pay my monthly balance consistently. When I had a balance, I was told rewards couldnt be applied toward it. Now that I paid it off, the account is closed and the rewards are gone which is not fair. 

If rewards cant be credited to a closed account, I kindly ask that U.S. Bank send a check or direct deposit the funds to the bank account used to pay the card. My XXXX  is also provided her bank statements to confirm the charge on XX/XX/year>. 

Please consider my request fairly. I only want the rewards I earned honestly, and this situation has already hurt my credit significantly. 

Sincerely, 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
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On Saturday XX/XX/year> XXXX XXXX XXXX XXXX received emails via credit monitoring sites, which included XXXX  XXXX, JPMCB card, XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX as hard inquiries I did not sign for or authorize. I then proceeded to freeze my credit on all three bureaus. That same day another account tried to get pushed through but couldnt due to the freeze I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: KY

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-14 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 a vitcim of identity theft. There are XXXX credit card accounts on my 3 credit reporting agencies and XXXX inquiries which are listed on the report that i didnt give anyone permission or authorization to open these acocunts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I moved to the state of Arizona. I updated my address to my new apartment with my lender for billing and garaging. To register my car in Arizona I had to request approval from my lender and bring the letter to the XXXX. In XXXX I updated my address to a house located in XXXX, Arizona and changed my name in XXXX. All documented with my lender. When I made my final payment I received an email stating my title has been released. Arizona XXXX stated that my title was still located in XXXX I called XXXX XXXX and they stated that my lender never closed the account with XXXX therefore I still have backdated registration fees and I am unable to get my title without paying. Not to mention I would have to then pay title fees and go through sending documentation to XXXX for my name change in order to receive my titleXXXX XXXX XXXXXXXX also stated that my title did get mailed to me but it was mailed to my apartment that I no longer reside in since XXXXXXXX XXXX  stated that when I updated my address with my lender, it was my lenders responsibility to close the account with XXXX. When I spoke to my lender that stated that I order to receive my title to my current address I needed to send them a document from Arizona XXXX to transfer the title. I am not getting clear answers and everyone is pointing the finger. I just want my title and I will not be driving all the way to XXXX to wait at there XXXX to do this. I feel my lender is at fault for failing to close the account with XXXX  when they were notified of the address change and because of this, someone out there has my title when I am being denied what is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I am disputing an inaccurate late payment reported by [ XXXX XXXX XXXXXXXX ] to [ Equifax Information Services LLC ] on my [ Credit Card ] account [ XXXX ] for the date [ XX/XX/XXXX ]. This reporting is incorrect and has negatively impacted my credit score.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. 
Additionally, case law such as XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Upon reviewing my credit report, I discovered unrecognized names, addresses, jobs, and phone numbers that I do not recognize. I contacted the credit bureaus to dispute this unidentified information and requested they be removed. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio recovery constantly calls, numerous times a day, all times, and I keep blocking them. Have disputed also.The Consumer Financial Protection Bureau ( CFPB ) has taken action against Portfolio Recovery Associates for : Collecting on debts without reasonable basis Misrepresenting that they intended to prove debts Misrepresenting that they had legally enforceable claims Making false or misleading representations Failing to provide required documentation and disclosures to consumers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXX my state taxes for the amount of {$120.00} was deposited into my account, XXXX XXXX XXXX  a total amount of {$95.00} was deducted from my state taxes as a repayment for my pay. My pay policy says that tax refunds are not eligible for repayment for my pay but they still deducted the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-04-14 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: CA

Complaint narrative:
Experian has not been keeping up with the credit reports they are not solving the disputes of fraud as a cause effect they are showing a lower credit report than with my credit actually is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I just checked my credit report and noticed 3 fraudulent accounts.Please investigate this fraudulent accounts. 

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 2025-04-14 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: CA

Complaint narrative:
I just checked my credit report and noticed 3 fraudulent accounts.Please investigate this fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance 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 2025-04-14 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: GA

Complaint narrative:
Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and verify any disputed items within 30 days. To ensure compliance, I am requesting specific information regarding your verification process : 1. What method was used to verify the accuracy of this account?

2. Who specifically verified this information, and what are their credentials?

3. Please provide a copy of any documentation that was used to verify the account.

4. Was the furnisher of this information contacted directly? If so, on what date? 
5. Did the furnisher provide any signed contracts, account applications, or other original documentation proving my liability for this debt?

6. Under what permissible purpose ( 15 U.S.C. 1681b ) is this account being reported on my credit file?

7. If this account is considered verified, please provide the name, address, and contact information of the entity that verified it.

8. How was the date of last activity ( DOLA ) or date of first delinquency ( DOFD ) verified?

9. Is this account being reported as a charge-off? If so, provide documentation proving the original creditor followed GAAP ( Generally Accepted Accounting Principles ) when charging off the debt.

10. Is this account being reported as sold or transferred? If so, who is the current legal owner of the debt, and what proof do you have that they have the right to report it?

11. Are there any third parties that have accessed my credit report without my authorization? If so, please provide a list of all inquiries made and the permissible purpose under 15 U.S.C. 1681b.

12. Have any automated systems ( such as e-Oscar ) been used in the dispute process? If so, how do you ensure that my dispute was handled in compliance with 15 U.S.C. 1681i?

13. Was this item investigated manually, or was the investigation solely based on electronic responses from the furnisher?

14. If this information can not be verified with legal documentation, when will it be removed from my credit report as required by law?

15. If this account is outside of the statute of limitations for reporting ( per 15 U.S.C. 1681c ), when will it be removed from my 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 2025-04-14 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:
Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and verify any disputed items within 30 days. To ensure compliance, I am requesting specific information regarding your verification process : 1. What method was used to verify the accuracy of this account?

2. Who specifically verified this information, and what are their credentials?

3. Please provide a copy of any documentation that was used to verify the account.

4. Was the furnisher of this information contacted directly? If so, on what date? 
5. Did the furnisher provide any signed contracts, account applications, or other original documentation proving my liability for this debt?

6. Under what permissible purpose ( 15 U.S.C. 1681b ) is this account being reported on my credit file?

7. If this account is considered verified, please provide the name, address, and contact information of the entity that verified it.

8. How was the date of last activity ( DOLA ) or date of first delinquency ( DOFD ) verified?

9. Is this account being reported as a charge-off? If so, provide documentation proving the original creditor followed GAAP ( Generally Accepted Accounting Principles ) when charging off the debt.

10. Is this account being reported as sold or transferred? If so, who is the current legal owner of the debt, and what proof do you have that they have the right to report it?

11. Are there any third parties that have accessed my credit report without my authorization? If so, please provide a list of all inquiries made and the permissible purpose under 15 U.S.C. 1681b.

12. Have any automated systems ( such as e-Oscar ) been used in the dispute process? If so, how do you ensure that my dispute was handled in compliance with 15 U.S.C. 1681i?

13. Was this item investigated manually, or was the investigation solely based on electronic responses from the furnisher?

14. If this information can not be verified with legal documentation, when will it be removed from my credit report as required by law?

15. If this account is outside of the statute of limitations for reporting ( per 15 U.S.C. 1681c ), when will it be removed from my 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 non-monetary relief
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
Equifax, This account was charged off on XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following Account : XXXXXXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc.
State: NY

Complaint narrative:
MY PERSONAL AND FINANCIAL DATA WAS COMPROMISED VIOLATING FERPA. I request full cancellation of my student loan debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 explanation