vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The fraudulent activity reported does not belong to me, and I believe this data was either incorrectly attributed or is the result of identity theft. I kindly request that you investigate this matter promptly and, if the information is found to be inaccurate or unverifiable, that it be corrected or removed from my credit report as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened a U.S. Bank Standard Savings account ( account XXXX ) in XX/XX/XXXX. I initially deposited {$3000.00} and later transferred {$2700.00} to another external account, maintaining a {$300.00} balance in the account since then. I did not conduct any further transactions, but I kept the account open with the minimum required balance. I have also uploaded all of my account statements to support this. 

In late XX/XX/XXXX, I received a letter from U.S. Bank stating that my account would be closed. I immediately contacted customer service to understand why, and they told me the closure was not due to fraud, but refused to provide any further explanation. When I asked to appeal or speak with someone for clarification, the representative said the decision was final and that I would not be allowed to open any new U.S. Bank accounts or apply for U.S. Bank credit cards in the future. 

I do not understand what terms I may have violated. I did not overdraft or misuse the account in any way. If this closure is based on low activity, I dont believe that justifies permanently banning me from being a U.S. Bank customer. Additionally, I only received the closure notice shortly before the account was scheduled to be terminated, so I was not given enough time to take actionsuch as setting up direct deposit or initiating other activityto address any concerns they may have had. 

Im requesting a clear explanation of why the account was closed and why I have been restricted from any future banking relationship with U.S. Bank.

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 2025-06-10 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-06-10 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: OH

Complaint narrative:
b'I have never lived at the following addresses and I have never had the following phone numbersXXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App is providing fraudulent information on why my direct deposit is not posted when it was released to them. I have bills and my payment is pending, when I was told funds are available up to two days early when released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I received a Form 1099-C from XXXX XXXX  indicating that the account was cancelled and reported to the IRS as income. However, this same account continues to be reported as an outstanding delinquent or charged-off debt on my credit reports with all 3 of the major credit bureaus ( Equifax, Experian, TransUnion ) .

This is causing harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. If the debt was indeed cancelled and reported to the IRS, it should no longer be reported as collectible or delinquent on my credit report.

I have contacted the creditor, but the issue remains unresolved.

Resolution Requested : Immediate correction or removal of the account from my credit report, or at minimum, proper updating to reflect the debt as cancelled and {$0.00} balance owed. 

Investigation into whether the creditor is complying with federal reporting guidelines.

I have attached supporting documents including a copy of the 1099-C and my recent credit report ( s ) showing the continued reporting.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a Form 1099-C from XXXX XXXX indicating that the account was cancelled and reported to the IRS as income. However, this same account continues to be reported as an outstanding delinquent or charged-off debt on my credit reports with all 3 of the major credit bureaus XXXX XXXX Experian, XXXX XXXX XXXX 

This is causing harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. If the debt was indeed cancelled and reported to the IRS, it should no longer be reported as collectible or delinquent on my credit report.

I have contacted the creditor, but the issue remains unresolved.

Resolution Requested : Immediate correction or removal of the account from my credit report, or at minimum, proper updating to reflect the debt as cancelled and {$0.00} balance owed.

Investigation into whether the creditor is complying with federal reporting guidelines.

I have attached supporting documents including a copy of the 1099-C and my recent credit report ( s ) showing the continued reporting.

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 2025-06-10 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: FL

Complaint narrative:
I received a Form 1099-C from XXXX XXXX indicating that the account was cancelled and reported to the IRS as income. However, this same account continues to be reported as an outstanding delinquent or charged-off debt on my credit reports with all XXXX of the major credit bureaus ( EquifaxXXXX XXXX XXXX ) XXXX 

This is causing harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ) and IRS guidelines. If the debt was indeed cancelled and reported to the IRS, it should no longer be reported as collectible or delinquent on my credit report.

I have contacted the creditor, but the issue remains unresolved.

Resolution Requested : Immediate correction or removal of the account from my credit report, or at minimum, proper updating to reflect the debt as cancelled and {$0.00} balance owed.

Investigation into whether the creditor is complying with federal reporting guidelines.

I have attached supporting documents including a copy of the 1099-C and my recent credit report ( s ) showing the continued reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am writing to formally dispute the inclusion of credit accounts and payment history associated with my former Individual Taxpayer Identification Number ( ITIN ) in my current credit profile under my newly issued Social Security Number ( SSN ). 

My SSN was officially issued on XX/XX/year>, and I did not authorize the automatic merger of my previous ITIN-based credit history with my new SSN. Some of the accounts included in the current report were not opened using my SSN and contain negative or derogatory marks that do not reflect my current financial behavior and identity.

As permitted by the Fair Credit Reporting Act ( FCRA ), I request the following : That you separate or remove all accounts or records associated with my former ITIN that were not opened using my SSN.

That only accounts verified as opened under my SSN remain in my current credit report.

That you provide written confirmation of the reinvestigation and corrections made.

Failure to correct this misattribution may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies maintain maximum possible accuracy in credit reports. Incorrectly associating my SSN with prior ITIN-based credit historyespecially containing derogatory or unverified datacompromises that accuracy and may warrant legal review if not promptly addressed.

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 2025-06-10 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGMENT IS FRAUDULENTLY REPORTING ON MY CREDIT REPORT AT XXXX XXXX AND XXXX.THE AMOUNT SHOWING ON MY CREDIT TEPORT IS {$4900.00} I REQUESTED IT AGAIN XX/XX/year> XX/XX/year> XXXX IS FRAUDULENTLY REPORTING ON MY CREDIT REPORT AT XXXX I HAVE REQUESTED THEY REMOVE THEM IMMEDIATELY. XXXX XXXX AND XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} INQUIRIES : XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-10 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: WA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Top Asset Solutions, LLC
State: FL

Complaint narrative:
TOP ASSET SOLUTIONS/ OWNIT4LESS I requested validation of a charge-off account being reported by Top Asset Solutions ( or its affiliate, OwnIt4Less ), but I have not received any documentation that proves the validity of this debt. I requested the contract, terms, and legal basis for the reporting. They have not provided the required documents under FDCPA. This account is damaging my credit, and I believe it is being reported inaccurately or without proper verification. I am requesting its removal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
Several companies accessed my credit report without authorization, harming my credit and score. Despite assurances from the credit agency, these unauthorized and potentially fraudulent inquiries remain. This raises serious identity theft concerns and continues to cause significant stress and financial damage.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I opened CFPB Complaint XXXX, to which the company responded to. The response included a generic answer to how interest is calculated, as well as affirmation that all interest charged to my account is accurate and correct. On my most recent statement dated XX/XX/XXXX, I was again charged interest on my account, despite everything being paid in full. This further shows that there is something incorrect in calculating my charges each month. 

In the letter response I received to complaint XXXX, a phone number to reach the representative was provided. Calls to this number either had me on hold for XXXX hour with no one answering the line, or directly to a voicemail. I tried to call several times, as well as left a voicemail. I was unable to reach a representative, nor did one call me back within the promised timeframe. 

I do not feel that Barclays is taking this seriously.

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