vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank bonus for new checking account {$350.00} I opened the checking account XX/XX/year> deposit {$25.00} The system stated : Earn your bonus. 
Open your checking account online through this page with an opening deposit of {$25.00} within 30 days. Then, within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits.

Use the Apply buttons above and well enter the promo code for you. If you apply for your checking account from a different page, youll need to manually enter this promo code to your account application : Note : You must open your account online with the promo code to participate in this offer. Accounts opened in a branch or over the phone will not be eligible for the bonus. 
I did as the system stated, I used the " Apply button above. '' Since I followed the systems ' instructions, I thought that I would receive my bonus. 
I called 2 times XX/XX/year> talked to XXXX and today, XX/XX/year> talked to XXXX. Plus, I did XXXX chats XX/XX/year> with XXXX and XXXX and again XX/XX/year> with XXXX. 
They still denied the {$350.00} bonus. Stating the code was not entered when I opened the account. I told all of them numerous times that I did as it stated on the website when I opened the account and trusted the system to do its part and " apply the code '' but it didn't. I don't remember the code, should have written it down. 
In the chat on XX/XX/year> XXXX found a code XXXX XXXXXXXX XXXX  and submitted it, but chat on XX/XX/year> with XXXX, he stated it was denied, wrong date. XXXX found that code, I don't remember the code. I later found one " XXXX '', but I don't know if it's the right code. 
US Bank system should have stated must show code when I opened the checking account, but it didnt. If it had stated that I would have looked for the code when I opened the account on XX/XX/year> and entered it myself.

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 2025-04-24 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: MA

Complaint narrative:
In response to your response from complaint number XXXX. I am requesting the method of verification for the following fraudulent accounts in pursuant to FCRA 611 Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' ( CFPB complaint number XXXX ) the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA. 

These fraudulent accounts include a XXXX cellular account, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX, resulting in a {$190.00} charge. Three fraudulent hard inquiries from XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I demand that the aforementioned fraudulent items be removed from all my consumer credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under the FCRA and FDCPA. I request the removal of the following fraudulent inquiries and addresses : XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as the addresses XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AL XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX XXXX, Experian . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX XXXX and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX XXXX and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX XXXX and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX 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 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

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 2025-04-24 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: CA

Complaint narrative:
I have contacted Experian, Trans Union XXXX Equifax on numerous occasion via a dispute to my credit report. I have a bill with XXXX for cell phone service. During XXXX I was not able to pay the bill & they turned service off. I sent the phones in we had with them, in the XXXX that XXXX provided to me. XXXX states that they never received the phones. Unfortunately when I called the post office they were not able to track the package because I did not have a tracking number. When I contacted sprint back & told them the phones were mailed in the Envelope they provided I was told that there was nothing they can do if the phones do not arrive & that they themselves have no way to track the envelope as well. The bill is for {$2200.00} and change. Majority of this amount is the phones, that XXXX says they did not receive back. I have made numerous complaints to XXXX & each time they basically just tell me too bad. That it is my responsibility to make sure the phones are shipped back. I did my part by placing them in the envelope they provided and placing in the mail. This amount is not correct. I have asked for the last bill & contract from all credit agencies and received nothing. I have filed disputes and each time they tell me it is correctly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have contacted Experian, Trans Union XXXX Equifax on numerous occasion via a dispute to my credit report. I have a bill with XXXX for cell phone service. During XXXX I was not able to pay the bill & they turned service off. I sent the phones in we had with them, in the XXXX that XXXX provided to me. XXXX states that they never received the phones. Unfortunately when I called the post office they were not able to track the package because I did not have a tracking number. When I contacted sprint back & told them the phones were mailed in the Envelope they provided I was told that there was nothing they can do if the phones do not arrive & that they themselves have no way to track the envelope as well. The bill is for {$2200.00} and change. Majority of this amount is the phones, that XXXX says they did not receive back. I have made numerous complaints to XXXX & each time they basically just tell me too bad. That it is my responsibility to make sure the phones are shipped back. I did my part by placing them in the envelope they provided and placing in the mail. This amount is not correct. I have asked for the last bill & contract from all credit agencies and received nothing. I have filed disputes and each time they tell me it is correctly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to report an egregious and ongoing failure by Ally Bank that has resulted in the repeated breach of my confidential financial and personal information for over three consecutive years. This unacceptable negligence demands your direct intervention and swift resolution. 

Over three years ago, I relocated from XXXX  to XXXX  and promptly updated both my home and mailing addresses in my Ally Bank online profile. Despite this, Ally Bank has persistently and inexplicably mailed my annual 1099 tax forms to my former XXXX  address. As a result, highly sensitive informationincluding my Social Security number, bank account details, and other private financial datahas been exposed to unauthorized third parties at my previous residence. 

This reckless mishandling of my tax documents constitutes a flagrant violation of my privacy rights and federal data protection standards, exposing me to significant risks of identity theft, financial fraud, and emotional distress. Ally Banks failure to safeguard my sensitive information represents a gross breach of trust and a dereliction of your institutions legal and ethical obligations. 

Due to Ally Banks gross negligence and the substantial risks and distress caused, I demand a minimum cash compensation of {$300.00} to address the harm resulting from this repeated breach. This amount is a modest reflection of the potential consequences of your failure. 

Should Ally Bank fail to fully comply with these demands, I am fully prepared to pursue the following legal and public actions : 1 ) Initiating Legal Action : I will pursue a civil lawsuit against Ally Bank for negligence, breach of fiduciary duty, and violation of privacy laws, seeking compensatory and punitive damages for the harm caused by your failure to protect my sensitive data.

2 ) Engaging Data Privacy Authorities : I will report this breach to federal and state data privacy authorities, including potential violations of the Gramm-Leach-Bliley Act and other applicable regulations, to ensure full accountability.

3 ) Public Advocacy : I will escalate this matter publicly by : - Highlighting Ally Banks failure on social media platforms, including XXXX XXXX XXXXXXXX, and XXXX, tagging Ally Bank, its leadership, and relevant regulatory bodies to draw widespread attention. 

- Engaging financial news outlets, consumer advocacy groups, and influencers to expose Ally Banks systemic failure to protect customer data, ensuring maximum public and regulatory scrutiny.

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 2025-04-24 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I'm reaching out to you for help with my stolen identity. Could you please delete the specific item and make sure all other incorrect details are updated as soon as possible? Your prompt action would be greatly appreciated.

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 2025-04-24 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: VA

Complaint narrative:
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report OR remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
See the attached documents. 


I WANT THIS INACCURATE ACCOUNTS REMOVED AND BLOCKED FROM MY CREDIT REPORT WITHIN 5 BUSINESS DAYS!

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 2025-04-24 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-04-24 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-04-24 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: SC

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 2025-04-24 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The account in question is XXXX acct # XXXX I filed Bankruptcy in XX/XX/year> and on one of my Auto Loans, there is no creditor remarks stating that the account was included in my bankruptcy. Per the FDCPA and FCRA, remarks need to reflect an account as being in bankruptcy and also showing it was discharged as well. The creditor does have my accounts listed in bankruptcy and also discharged, but the credit reporting agency does not. I have included documentation of the notice of BK filing with my wife and I both listed, documentation it was included in the BK, copy of credit report where it shows there is no remarks regarding the account in question and the letter of discharge from the BK court. One of the car loans shows it was properly stating it was included in my BK and the second car loan does not state it was included in my BK.

Company response to consumer: Closed with explanation