vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I received a message on my phone saying I had a XXXX. Request I was asked if I had made it. I said, no I then received another message on my phone. The message said US Bank will contact you at XXXX XXXX. At XXXX XXXX  I received a phone call. The person answered the phone by saying that they were a US Bank fraud agent that I was on a recorded line. And that my account had been hacked. They informed me that they felt it was an inside job. And that they had the FBI involved also that there had been other funds for my account placed in a XXXX XXXX account that I had not created. The person informed me that I would need to start the XXXX XXXX account and transfer funds into that account. I then marked it as XXXX and they had said that they would red flag it on their end. And I would be receiving those funds back I did these 3 or 4 times about {$800.00}. Then, the person that claimed they were a US bank fraud. Agent told me that I needed to go into a US Bank branch. Take out the remaining {$7000.00} that I had in funds, and they then told me I would need to put it on a XXXX. Temporary card since US Bank was a third party with XXXX. I then went into a US bank branch took out my remaining {$7000.00}. The person that I was speaking to on the phone that supposedly was a US Bank branch. Agent had access to all my account information and account history. He was able. to put a XXXX  debit card on my phone. I then went to a chase ATM. At that time, I put the {$7000.00} in the ATM. At that point, there was the {$7000.00} on the chase card that this person had put on my phone after the XXXX went on the chase card. The person then removed the XXXX  card from my phone and that's when I realized that I was being fraud. I then called US Bank fraud department. And they had informed me that there had been several red flags on their end. I then informed them. Why didn't you let me know because now all of my money is gone and I started crying. Did not know what to do now. I have no money and am struggling every day. I also made a police report. I went into the XXXX branch where I used the ATM and told them of my situation also gave them the police report number. They took my information, they said they would check into it since the ATM. Receipts had information on it, they said they were able to use and I have not heard back from them. It has been over a month now. If you're able to help me, I please please ask that you do thank you.

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Propel, Inc.
State: KY

Complaint narrative:
I have a Providers Debit Card and they discontinued the card. I was not able to get my money off my debit card before that cause it was locked. I had almost {$700.00} left on it. I do not have my account number cause our house was burned last XXXX. I tried talking to a lady from XXXX XXXX and she said a few smart remarks and hung up on me. I still have my Providers Debit Card.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 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: IL

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 the38668re 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.

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 the38668re 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 non-monetary relief
Consumer complaint received 2025-12-25 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-25 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/year> I received an email saying if I used my XXXX  credit card with XXXX XXXX, I would receive {$5.00} per transaction up to 3 transactions, for a total of {$15.00} back as a promotion. I used XXXX XXXX with my XXXX  credit card 4 times from XX/XX/year> to XX/XX/year> during the promotional period. I waited for the {$15.00} credit to be received ( {$5.00} credit multiplied by 3 transactions ) however it never came. I called the credit card company issuer ( synchrony bank ) and they told me I needed to talk to XXXX that they dont have any promotions. I called XXXX and they told me to call Synchrony as it was an inquiry related to the credit card. I called Synchrony Bank again and even explained that I have the promotional email from them ( an @ synchrony email address ) and they continued to deny that there was a promotion available despite offering to provide the email form number at the bottom of the email. I then contacted XXXX via secure messaging on my account and provided a screenshot of the terms and conditions of the promotion. They closed the inquiry. I then had to reopen the inquiry and they advised I would receive a letter in the mail within 30 days. It has since been 30 days past when they said I would receive the letter. Synchrony Bank refuses to honor the terms of the promotional advertisement email they sent me in XXXX of 2025 and credit my account {$15.00} for using the XXXX  credit card with XXXX XXXX. I know I used the XXXX  credit card with XXXX XXXX  for these transactions because I do not carry the physical card around and exclusively use the XXXX  credit card with 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 2025-12-25 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: NV

Complaint narrative:
I dispute the accuracy and completeness of this information. I demand that you verify the complete payment history and account status with the original creditor. If the original creditor can not fully verify the accuracy and completeness of this information as required by 15 U.S.C. 1681s-2 ( b ), or if you can not verify it during your reinvestigation, this entire account and all associated derogatory marks must be promptly deleted 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 2025-12-25 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:
CFPB Complaint TransUnion LLC Respondent : TransUnion LLC Issue Type : Credit reporting Product : Credit reporting / consumer report Desired Resolution : Correction or deletion of inaccurate information Complaint Narrative I am submitting this complaint against TransUnion LLC for failure to ensure maximum possible accuracy of information reported on my consumer credit report, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

Despite prior disputes and reinvestigation requests, TransUnion continues to publish materially inconsistent, internally contradictory, and unverifiable information regarding a closed mortgage account, while marking the account as dispute resolved ; customer disagrees. 



Account at Issue Creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Mortgage Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Current Balance : {$0.00} Status : Closed / Paid Basis of Complaint 1. Materially Inconsistent Reporting Across Credit Bureaus Attached exhibits demonstrate that TransUnions reporting conflicts directly with XXXX  reporting of the same mortgage obligation. The XXXX bureaus report different : Loan terms ( XXXX XXXX XXXX XXXX XXXX ) Original balances Modification status Historical characterization These contradictions establish that at least XXXX report is inaccurate, and TransUnion has failed to reconcile or correct its reporting despite notice. 



2. Improper Post-Dispute Verification TransUnion continues to display the remark Dispute resolved ; customer disagrees without correcting or deleting the tradeline, despite clear inconsistencies that render the information unverifiable. 

A reasonable reinvestigation would require TransUnion to : Identify and resolve discrepancies with other consumer reporting agencies, or Delete the tradeline if accuracy can not be confirmed TransUnion has done neither. 



3. Reporting of Questionable and Unverifiable Loan Terms TransUnion reports the mortgage as having a XXXX term, which is facially inconsistent with a conventional mortgage opened in XXXX and closed in XXXX. This term length conflicts with both industry norms and XXXX  reporting of the same obligation. 

Publishing implausible or unsupported loan terms violates TransUnions duty to ensure accuracy. 



Harm to Consumer As a result of TransUnions continued publication of inaccurate and inconsistent information : My creditworthiness has been adversely affected I have been forced to repeatedly dispute the same tradeline TransUnions reporting creates confusion for creditors reviewing 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 2025-12-25 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: GA

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 2025-12-25 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: GA

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 non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - US BKPT CT XXXX XXXX XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was told I would receive services after sending funds but nothing was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: NC

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 2025-12-25 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: NC

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
I am submitting this complaint due to inaccurate and unverifiable information appearing on my consumer credit report as a result of my personal information being compromised in a data breach. 

After reviewing my credit reports, I identified multiple accounts that I do not recognize and am unfamiliar with. Due to the exposure of my personal information, I believe these accounts XXXX be the result of identity theft or unauthorized use. 

Disputed Account Details : Creditor : XXXX XXXX Balance : {$480.00} Date Opened : XX/XX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX : {$6700.00} Date Opened : XX/XX/XXXX Account Number : XXXX I formally disputed these accounts with the Consumer Reporting Agencies ( CRAs ) and requested proper validation of the alleged debts. To date, the CRAs and/or furnishers have failed to provide competent evidence that I am legally responsible for these accounts. The information reported remains incomplete, inaccurate, and unverified. 

I have submitted an Identity Theft Report with the Federal Trade Commission ( FTC ), which supports my claim that my personal information was exposed and misused. Because of this data breach, the continued reporting of these accounts is causing ongoing harm to my credit profile and financial standing. 

This reporting violates the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information 15 U.S.C. 1681s-2 ( b ) Failure of furnishers to properly investigate and verify disputed accounts 15 U.S.C. 1681c-2 Requirements regarding identity theft and blocking fraudulent information Under federal law, information that can not be verified or that results from identity theft must be blocked or removed from my consumer file. 

I am requesting that the CFPB investigate this matter and require the Consumer Reporting Agencies, XXXX XXXX, and XXXX XXXX XXXX to either provide proper validation or permanently remove these inaccurate accounts from my credit reports. 

Thank you for your assistance in protecting my consumer rights.

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