vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On Thursday, XX/XX/year>, I was unable to log in to my U.S. Bank online account ( USBANK.COM ). The message stated : The account is temporarily unavailable. Theres a problem on our end, and you can try again or call XXXX for help. 

I waited for a day, assuming it was a temporary online issue. I called the following day ( Friday or Saturday ) at the number provided and spoke with an agent, who informed me that my account was frozen and under the closing process. I was told that the remaining balance would be mailed to me in the form of a check. 

On Monday, XX/XX/year>, I went to the physical U.S. Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke with a banker. She stated there was nothing she could do but would try to contact the main office and call me back with an answer. Monday passed, and then Tuesday, but I received no call. 

I returned to the same branch and spoke with the same banker. She again said there was nothing she could do. When I insisted, she called U.S. Bank customer care, and they told her to inform me to wait XXXX business days ( excluding weekends and holidays ). I asked to speak with the branch XXXX or someone with authority, but I was told all the managers were off or on vacation. When I asked if I could visit another branch, she said all managers in all branches were on vacation. 

All my utility bills, loan payments, student loan, and credit card bills are linked to this account for autopay. These payments have been and will continue to be denied until I receive access to my funds. I currently have about {$4000.00} in this account, and it feels as though I am being held XXXX without access to my own money. 

I have not deposited any fraudulent checks. In fact, I have not deposited any checks for the past XXXX weeks. My paycheck is received through direct deposit. Because of this situation, my XXXX XXXX will be affected, and I might incur penalties. I XXXX also have to borrow money from friends and family to pay my bills, despite having more than enough funds in my account. 

I waited in the branch for almost XXXX hours while the banker made calls and sent emails or messages, yet my account remains frozen, and I am still unable to withdraw any money. I am extremely frustrated and disheartened by this experience, especially after being honest and patient throughout this process. 

I am requesting an immediate review and resolution of my account situation so that I XXXX regain access to my funds.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute certain items on my credit report, which I believe are inaccurate and require correction. Below is a detailed list of the accounts I am disputing, categorized by credit bureau. 

EQUIFAX I believe the following information on my Equifax credit report is inaccurate and should be corrected. 

============================== 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

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report, which I believe are inaccurate or incomplete. I request a thorough investigation and correction of these records. Below are the details of the accounts in question, separated by each credit bureau 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

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The following accounts reported by Equifax are inaccurate, and I request an investigation and correction : CHARGED OFF 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

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. I ask for immediate removal and proof of your 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX XXXX and I noticed multiple inaccuracies on my credit report in XX/XX/year>. I ask for immediate removal of these inaccuracies reporting negatively impacting my score on my credit report that do not belong to me. Im a victim of identity theft and these accounts are not mine. I ask for immediate removal and proof of your investigation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XX/XX/25

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 information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccurate reporting on my credit file. The following charged-off accounts are inaccurately reported and require immediate investigation : Charged-Off Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Concora Credit kept sending me offers for a Indigo credit card for months and I refused them. Much for my surprise I just found out that without my consent they issued me a Indigo credit card and charged me with a annual and monthly membership fee. They checked my credit report without my knowledge and as a result I had my credit score decreased by three points. How did they get hold of my social security?

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive disputed the chapter XXXX bankruptcy and I also received a letter from the United States bankruptcy XXXX stating they never gave any information out to Transunion, XXXX XXXX XXXX. I have a letter from the XXXX proving that they are lying.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive disputed the chapter XXXX bankruptcy and I also received a letter from the United States bankruptcy XXXX stating they never gave any information out to Transunion, XXXX XXXX XXXX. I have a letter from the XXXX proving that they are lying.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Ive been scammed and had credit accounts opened in my name. Ive tried to list the accounts as fraud and have them removed from my credit but with no avail. My credit card information was stolen from a XXXX scam and thousands of dollars have sent me into debt. I dont know what to do. Im behind on finances and going further into debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: TX

Complaint narrative:
When I went in for my MRI, representative disclosed my payment would be XXXX. When I arrived for MRI, representative told me not to pay my XXXX incase it was lower they would not be able to refund me any money as the hospital does not do refunds. When I received my bill it was over XXXX when I called to dispute it with the hospital they told me there was nothing they could do. I started paying off the big bill I was paying every month until, a representative from the hospital stole my credit card information and my email and personal info and tried to purchase plane tickets with my information. Shortly after that I received the letter from the debt collectors not the hospital.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an inquiry on my credit report that I do not recognize or recall authorizing. I have never given consent for this company to access my credit information, nor have I applied for any services with them. This situation is extremely stressful and concerning, as I take my financial privacy and personal data security very seriously.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year> I reported XXXX  Information services to the cfpb for allowing incorrect information to report on my credit report. The information is from XXXX XXXX and XXXX XXXX. I keep calling them and they said the ftc reports I uploaded on their system and the ones I uploaded through the cfpb portal are invalid for some reason, and they won't tell me why. I am writing to let you know this and them, that I called XXXX XXXX on XX/XX/year> to speak with their collections department. The representative from the collections department gave me an incorrect account number, after I asked her what my account number is : XXXX. As you can see, this is not the correct account number. My account number with XXXX XXXX, and also according to the the ftc report I will upload later, ends in XXXX. This has always been my account number for as long as I can remember. As for the upstart/Dr bank, I can not generate a new ftc report because of the government shutdown to report this account as fraud. I emailed their dispute department on XX/XX/year> which is today, after calling them, and told them to have the inaccurate information removed from the credit reports.

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: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
I am formally requesting the Method of Verification ( MOV ) used to validate the continued reporting of the account referenced above, which I previously disputed with all three nationwide Consumer Reporting Agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ).

Under the FCRA, upon receiving notice of a dispute from a CRA, you are required to conduct a reasonable investigation, review all relevant information, and correct or delete any inaccurate or unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Amazon Visa credit card. I tried to dispute a {$10.00} charge that posted XXXX weeks ago, but the Chase website told me I had to call instead of submitting the dispute online. When I called, the representative told me that Im considered a frequent disputer because Ive filed more than XXXX disputes within a three-month period. As a result, my online dispute option is XXXX for 90 days. 

This policy makes it difficult to exercise my legal right to dispute billing errors under the Fair Credit Billing Act. Im being treated like a problem customer for legitimately questioning charges that appeared incorrect. The frequent disputer restriction is not disclosed in Chases terms or public documentation, and it discourages consumers from using the protections federal law guarantees.

Im asking the CFPB to review whether Chases practice of restricting online dispute access is consistent with consumer protection law, and to require Chase to provide a fair, transparent dispute process that doesnt penalize customers for legitimate use.

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: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
This company failed to provide proper validation of the alleged debt under the Fair Debt Collection Practices Act and continues to report inaccurate information on my credit report. I requested validation on XXXX and they failed to comply. Please investigate and have this entry deleted

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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- XXXX XXXX XXXX  # XXXXXX -- -- XXXX XXXX XXXX XXXX # XXXX -- -- XXXX UNKNOWN # XXXX -- -- XXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-11-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXX -- -- Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- -- XXXX XXXX XXXX  # XXXXXX -- -- XXXX XXXX XXXX XXXX # XXXX -- -- XXXX UNKNOWN # XXXX -- -- XXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries on my credit report that I believe contain inaccuracies. Below are the details of the disputed items, separated by credit bureau. 
XXXX  ( XXXX ) XXXX Accounts : None listed for dispute. 

Inquiries XXXX XXXX Date Opened XXXX XXXX XXXX XXXX  Date Opened : 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : Charged-Off Accounts 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

Company response to consumer: Closed with explanation