vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: NV

Complaint narrative:
What happened : I was a U.S. Bank customer and experienced fraud after my phone was stolen. My U.S. Bank debit card was linked to XXXX XXXX, and unauthorized transactions were made through XXXX XXXX. 

I immediately reported the fraud to U.S. Bank, and they issued me a {$1000.00} provisional credit during their investigation. After completing the review, they concluded that I was responsible for the transaction and reversed the {$1000.00}. 

However, I was never notified in advance of this reversal or that my account would be closed. As a result, my checking account went negative, and overdraft protection automatically triggered, creating a {$810.00} overdraft balance. I was unaware of this until after my account had already been closed. 

Later, U.S. Bank sent me XXXX checks ( {$360.00} and {$32.00} ) from the closed accounts, which indicates that positive funds remained after their internal adjustments. I do not understand how an overdraft balance of {$810.00} could exist if the account still had funds left. 

I am disputing responsibility for the overdraft and the closure, as this situation was caused by XXXX Banks internal reversal timing and lack of notice not by any action of mine. Additionally, the original fraud originated through XXXX XXXX, and I have an open claim with XXXX XXXX. 

I am requesting : 1. A full transaction history showing how the $ {$810.00} overdraft was calculated.

2. Documentation of any notices sent before the reversal and account closure.

3. A review and reversal of the overdraft balance and negative reporting, if any I

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 2025-11-12 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: NY

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$25.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$140.00} XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-11-12 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am really upset that the inaccurate late payments are still listed on my credit report, even after refreshing the page. I am asking that you go over the documents I provided right away so this matter can finally be resolved and I can have peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 want to make it absolutely clear that this complaint is not being submitted in error it is a deliberate and serious demand for justice that can not be ignored or dismissed. 
My credit report contains inaccurate information that fails to meet the mandatory standard of maximum possible accuracy as required by law, violating my rights and consumer protections. 
These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being, causing irreparable harm that you are responsible for rectifying. 
This situation is placing an undue and intolerable burden on me during an already difficult time, exacerbating my struggles and demanding immediate resolution.

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 2025-11-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and was alarmed to discover that I have become a victim of identity theft. As I am currently in the process of purchasing a home for my family, these inaccuracies have caused significant harm and delays. I respectfully request that all incorrect personal information be promptly removed from my credit report to ensure it accurately reflects my identity and credit history.

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 2025-11-12 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: Solvent Plus LLC
State: TX

Complaint narrative:
XX/XX/scrub>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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to Solvent Plus LLC. We will use any information you give us to help collect the debt. 
Our Information Shows : How can you dispute the debt? 
You have an account with Solvent Plus LLC with account reference number XXXX. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Call or write to us by XX/XX/year>, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 
If you write to us by XX/XX/year>, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. 
You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes electronically via email at XXXX What else can you do? 
Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by XX/XX/year>, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept such requests electronically via email at XXXX. 
Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 
Contact us about your payment options. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion 's has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-12 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 want to make it absolutely clear that this complaint is not being submitted in error it is a deliberate and serious demand for justice that can not be ignored or dismissed. 
My credit report contains inaccurate information that fails to meet the mandatory standard of maximum possible accuracy as required by law, violating my rights and consumer protections. 
These reporting errors are having a significant and ongoing negative impact on my financial stability and personal well-being, causing irreparable harm that you are responsible for rectifying. 
This situation is placing an undue and intolerable burden on me during an already difficult time, exacerbating my struggles and demanding immediate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OneMain Finance Corporation
State: CA

Complaint narrative:
So I apply and got this card from Onemain financial, I was approved and I paid the the annual fees. I went to try in about 5-6 times in different stores and always got declined. I call customer service and I told them if they cant fix the issue to cancel the card. And thats what they did cancel the card. So my problem is that I paid the annual fee and I never use the card for whatever problem there was with it. So is a fraud that they charge for annual fees and cant use the card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit. 

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and was alarmed to discover that I have become a victim of identity theft. As I am currently in the process of purchasing a home for my family, these inaccuracies have caused significant harm and delays. I respectfully request that all incorrect personal information be promptly removed from my credit report to ensure it accurately reflects my identity and credit history.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management is reporting multiple collection accounts on my XXXX credit report that have never been properly validated under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( B ) ).

I previously disputed these accounts directly with XXXX  and Midland. XXXX  noted the accounts as disputed by consumer, but Midland failed to provide any supporting documentation, proof of ownership, or the original signed agreements.

The original creditors ( XXXX XXXX XXXX  and XXXX XXXX  ) no longer report these accounts, which suggests they were sold and that Midland lacks the complete chain of title.

Despite my written requests, Midland continues to report these unverifiable accounts and has not responded to my validation letters. This continued reporting of unverified debts violates the FDCPA and FCRA.

I am requesting full deletion of these accounts from all credit bureaus and confirmation that Midland will cease further reporting or collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One Auto finance is adding {$22.00} a day late fees to my ending or current balance of the loan with out my knowledge until I realized the amount was growing daily of loan balance after making the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding XXXX XXXX  XXXX reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects XXXX  to potential regulatory and civil liability.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal request to correct inaccurate personal information being reported on my credit file. According to my recent credit reports, the following incorrect personal details appear under my profile : Incorrect Name Reported : XXXX XXXX XXXX Correct Legal Name : XXXX XXXX Incorrect Employment Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Employment : None of the above I have never been employed by or affiliated with these businesses.

These entries are inaccurate and must be deleted or corrected immediately under 15 U.S.C.

1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer data.

Please update my credit file to reflect only my accurate personal information and remove all incorrect name and employment data. Confirm the correction in writing once complete.

Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-11-12 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of an organized criminal extortion conspiracy ( XXXX XXXX XXXX, prior felon ) that has caused over {$46000.00} in losses and high-interest debt ( 99 % utilization on XXXX XXXX ). Wells Fargo Bank , N.A . ( WF ) has committed willful negligence and violated federal law by : Ignoring Coercion : WF failed to investigate my claim that my consent was vitiated ( voided ) by criminal duress ( XXXX XXXX, threats ) and denied reimbursement. FCRA Violation : WF continues to report the disputed debt as valid, directly causing my financial ruin ( XXXX XXXX XXXX charge-off threat is a direct result of this negligence ) .Inconsistent Policy : WF selectively denied this claim ( APP fraud ) despite having previously reimbursed me for losses in the separate crypto scam. Demand : I demand an immediate investigation and an order compelling WF to cancel the remaining debt, reimburse the {$30000.00} in coerced payments, and correct 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 2025-11-12 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This section requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information upon a consumers request. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day timeframe mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief