vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
I am currently reviewing my credit report as part of my efforts to fix and maintain accurate credit reporting. I am disputing several accounts listed as charged off or delinquent that appear to be either inaccurate, outdated, or unverifiable. I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off / Collection Accounts XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX CARD Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} Some of these accounts, particularly those from XXXX and XXXX, appear to be well past the seven-year reporting limit under the FCRA and should be removed if they are obsolete. I request Experian to verify the date of first delinquency and delete any accounts that are outdated or unverifiable. 

Inquiries XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm its legitimacy and remove it if it can not be verified as a permissible purpose under the FCRA. 

Late Payment Reporting XXXX Account # XXXX This late payment appears to be inaccurately reported. I request verification of payment records and correction or deletion if the record can not be substantiated.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I opened a new Wells Fargo Everyday Checking account on XX/XX/XXXX, last four of the account number : XXXX. There was a sign up bonus, which required $ XXXX in direct deposits within 90 days qualifies for a {$400.00} payment, to be paid within 30 days of the initial 90 day qualification window ( this 90+30 period ended XX/XX/XXXX ). I had an employer direct deposit of {$1800.00} on XX/XX/XXXX and XX/XX/XXXX, totaling {$3700.00}, {$720.00} over the bonus qualification requirements. 

I called in today, XX/XX/XXXX, and was told that because I had a Wells Fargo consumer checking account and earned a bonus in the past, I was ineligible. I explained that the " fine print '' on this offer simply stated that I could not be a current owner of a consumer checking account ( I was not ; I closed my previous one in early XXXX ) nor could have earned a bonus in the last 12 months ( the last bonus I personally earned at Wells Fargo for a consumer checking account was XXXX of XXXX, much longer than 12 months ago ). 

The customer service rep put me on hold for a lengthy amount of time and claimed that because I had a consumer checking account in the past, in my lifetime, I was ineligible. I asked her why the " fine print '' had the 12 month language or the " current owner of a consumer checking account '' language if it was a once-in-a-lifetime bonus. She had no answer for that question other than what her interpretation was -- that it was lifetime. 

Given, this I am owed the {$400.00} bonus unless Wells Fargo can show records of a consumer checking account bonus being paid out to me, XXXX XXXX, within the last 12 months OR if they can show that I was the owner of a CONSUMER checking account at the time of this new account opening.

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 2025-11-03 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: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
Im following up on my complaint ( ID XXXX ) because although the bank responded to the CFPB, they did not provide any real solution to my issue. My Reliacard account remains blocked and I still can not access my funds, even after several weeks of contacting the bank and receiving multiple replacement cards. 

they sent me a letter with a person 's name and phone number ti " fix my problem '' but when i called, answer a person that say he doesn't work for the bank. 
And the other number below never answer. 

The banks response only acknowledged my complaint without resolving it, and I continue to experience financial hardship because my money remains unavailable. I respectfully request that the CFPB reopen or review my case, as the banks answer did not address or fix the problem.

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 2025-11-03 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 16811i ), 609 ( 15 U.S.C. 1681i ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry :

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies reported on my credit report by multiple financial institutions and debt collectors. Despite my repeated attempts to address these errors, they remain unresolved, causing significant harm to my creditworthiness. The following issues are of serious concern : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are not associated with me, yet they appear on my credit report, potentially leading to mistaken identity issues. 

Inaccurate Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$270.00} I have never made a late payment on these accounts, yet they are inaccurately reported as late. This false information is damaging my credit score. I request these accounts be corrected immediately. 

Accounts Reported as Charge-Off or Collection Without My Knowledge or Validation : XXXX XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff {$150.00} XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff {$830.00} XXXX XXXXXXXX XXXX XXXX  Chargeoff {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX  Chargeoff {$0.00} I have no knowledge of these accounts, and they do not belong to me. Reporting them is not only misleading but also violates the Fair Credit Reporting Act ( FCRA ). I demand that these accounts be investigated thoroughly and deleted from my credit report immediately. 

I request that CFPB intervene and ensure that the reporting agencies correct all inaccuracies promptly. I am prepared to provide any documentation required to support my claims. 

This ongoing misreporting has caused financial harm, stress, and damage to my credit reputation. I expect a swift resolution and confirmation that all inaccurate, fraudulent, or unverifiable accounts are removed or corrected. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to resolve it.

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 2025-11-03 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 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: DC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: AL

Complaint narrative:
I closed my credit card account with US Bank while there was a pending charge on XX/XX/2025. On XX/XX/2025, I logged into US Bank on the mobile app and it said I do not have an account. I logged on to US Bank through my PC and I still didn't find my account. I called and spoke to a US Bank CSR who said the account is closed and that's why it's no longer visible. The CSR I spoke to when closing the account did not explain that closing the account would eliminate my online access to the credit card account. So, I can no longer see any statement online nor pay the pending balance online. I will have to wait for US Bank to send me a paper statement and pay through the mail since I'm not comfortable with paying by phone. The wait time for the paper statement and the check that I would need to send for the payment could put me past the billing cycle and incur interest on the balance due.

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 2025-11-03 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: MO

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 2025-11-03 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: MO

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

Company response to consumer: Closed with explanation