vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TN

Complaint narrative:
XX/XX/2025, I requested to cash in rewards from my credit card with US Bank. I made my request by telephone, for a {$250.00} debit card funded by my rewards. I was charged XXXX in rewards points for the XXXX card. I called back and spoke with US Bank since it wasn't explained that it would cost XXXX rewards points to get XXXX dbit card. The US Bank repersentative stated they would cancel the transaction and return the rewards points. 

XX/XX/2025, the debit card was issued. I went online to active the card and it showed a XXXX XXXX XXXX XXXX  balance. It had one transaction a Pre-Auth ( 1102 ) Debit showing REMOVED FUNDS - RTN POINTS. This credit from the card was posted XX/XX/2025. 

I contacted US Bank when after abourt 10 days the points were not placed by in my rewards balance. I called US Bank again and they stated once points/debit card was issued it was final.and can not be reversed. This was per a letter dated XX/XX/2025. 

I called US Bank again around XX/XX/2025, and explained to them that they had removed the funds from the Debit Card which they issued. As a Pre-Authorization Return of Points. I again requested that they return the original XXXX cash rewards points back to my account balance but they have refused to take any further action to return these points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ACIMA CREDIT, LLC
State: MO

Complaint narrative:
on XX/XX/year> I was contacted by phone number XXXX a man named XXXX XXXX claiming he was contacting me for order of location for a claim number XXXX - I have no record of this claim. He threatened to call my place of business. He said I could call his office to handle the claim at number XXXX before it goes to the courts to which I did. They claim to be attempting to collect a debt on behalf of acima leasing in the amount of XXXX. I asked for proof of debt or some kind of verification as well as their license number and address to which they told me they could not provide me with that they said they were called XXXX and its been turned over to a legal matter to process against me. I have never been served or received anything in the mail regarding this debt and have no association with XXXX. They ended up telling me they aren't a collection agency, that they are a company who handles claims. and that I'll get the payoff letter once I'm done paying the balance off. And the payments to my bank are coming up as XXXX XXXX XXXX  XXXX ''. I asked what their address is they wouldn't provide that to me either. They told me that if I was uncomfortable with them charging my account that they had no problem sending it to proceed to them locating me at my residence. They told me to stop it from going to court I could set up a payment plan of a one time payment of XXXX and a semi monthly payment of XXXX for the next 6 months. I went ahead and made the first payment but I am not sure if I was scammed or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 submitting this complaint regarding a debt being reported and collected by XXXX XXXX XXXX for an alleged apartment balance in the amount of {$2600.00} from my former residence at XXXX XXXX, XXXX, TX. 

My move-out date was XX/XX/year>. 

This balance is not for unpaid rent. It was assessed for furniture left inside the unit and alleged damages. I dispute this debt for the following reasons : I notified the landlord prior to move-out that I had undergone a XXXX only XXXX weeks earlier and was medically unable to remove the remaining furniture myself. 

I communicated with the landlord about my medical condition and the circumstances surrounding my move-out. I asked for accommodation or assistance to remove the last items, but instead, I was charged without consideration for the situation. 

I was never provided an itemized list of charges with timestamps, photos, invoices, or repair receipts, as required under Texas Property Code regarding move-out charges and security deposit accounting.

The balance appears inflated and punitive, not limited to actual and reasonable costs of item removal and repairs. 

The debt was sent to collections before documentation was provided or before I had an opportunity to dispute the charges with the landlord. 

I believe XXXX XXXX XXXX has continued to collect on a disputed and unverified debt, which is a potential violation of : Texas Finance Code Chapter 392 Texas Debt Collection Act Fair Debt Collection Practices Act ( FDCPA ) general standards for debt validation I have previously attempted to communicate with the landlord regarding the move-out balance and requested justification for the charges, but I have not been provided with the legally required documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I am submitting this dispute regarding the following accounts that I believe have inaccuracies. I respectfully request that these accounts be reviewed and corrected based on the details below : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX  - Date : XX/XX/XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX - Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX. XXXXXXXX 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / XXXX / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQ : === INQ === TU : XXXXXXXX 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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NV

Complaint narrative:
Let me be clear that this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are exerting a serious and ongoing negative impact on my life. I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. Resolving this issue is not only necessary it is critical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Milestone ATTN : Credit Reporting Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Dispute of Late Payment Account # : __________ To Whom It May Concern, This letter is a formal dispute of the late payment your company is reporting. I have never been provided any documentation proving the delinquency.

Under FCRA 623, you must only report accurate and verifiable information. Therefore, I request : Full documentation proving I was late Proof of the due date and payment posting date Internal account logs Method of verification If you can not verify the data with original records, you must request deletion of the late payment from all credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: OH

Complaint narrative:
On Wednesday, XX/XX/year> we were victims of a social engineering fraud scam involving our Charles Schwab Investor Checking account. We are new Schwab customers, having opened our account in XXXX, and we were still becoming familiar with Schwabs security procedures. A criminal impersonated Schwab and tricked my wife into providing verification codes that she believed were required to confirm or secure our account. At no point did she authorize, approve, or initiate any wire transfers.

As a result of this scam, two unauthorized wire transfers were sent from our Schwab account in the amounts of {$390.00} and {$8900.00}, each with an additional {$15.00} wire fee. The stolen funds were sent to and accepted by XXXX XXXX XXXX. We reported the fraud to Charles Schwab immediately after discovering the unauthorized transactions.

Despite the clear evidence of social engineering fraud, Charles Schwab refused to refund the stolen funds. During our conversation with the fraud department, the representative named XXXX was not understanding or helpful. He insisted the transactions were authorized solely because the scammer manipulated my wife into providing verification codes, something we did only because we believed we were communicating with legitimate Schwab personnel. As new customers, we relied on what we believed were standard security verification requests.

This interpretation by Schwab ignores the fact that my wife believed she was protecting our account, not approving outgoing wires. We never intended or consented to any wire transfer.

These transactions were the result of criminal deception, impersonation, and identity theft, not customer authorization. Federal consumer protection guidance clearly states that social engineering fraud does not constitute valid authorization.

We are requesting a full reconsideration of this determination and reimbursement of the stolen funds, as the losses were caused entirely by fraud, not by any intentional action or approval on our part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Verify all information is my information. Verification is not valid that I opened these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX - Account No. XXXX, Date Opened : XXXX, Balance : {$150.00} XXXX XXXX XXXX XXXX  - Account No. XXXX, Date Opened : XXXX, XXXX : {$1000.00} XXXX XXXX - Account XXXX. XXXX, Date Opened : XXXX, Balance : {$580.00} Inquiries : I am disputing the following inquiries on my Experian credit report : XXXX XXXX XXXX - Date : XXXX XXXX XXXX  XXXX - Date : XXXX XXXX XXXX  - Date : XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX  XXXX - Account No. XXXX XXXX XXXX XXXX XXXX - Account No. XXXX XXXX XXXX XXXX - Account No. 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