vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: UT

Complaint narrative:
I am filing this complaint because U.S. Bank closed my dispute for an unauthorized transaction and refuses to reopen it. 

I filed my dispute on XX/XX/XXXX. 
Then, the bank closed the case on XX/XX/XXXX, without resolving the issue or completing a proper investigation. 

Since the case was closed, I have made multiple calls asking them to reopen it, but they have done nothing. Every time I call, they tell me that someone will contact me, but no one ever calls me back. They only add notes to my account but still refuse to reopen the dispute, even though Regulation E requires the bank to investigate and issue a provisional credit if the investigation takes more than 10 business days.

This delay is causing me financial hardship, because this unauthorized transaction is affecting my ability to pay essential bills. I am requesting CFPB assistance because U.S. Bank is delaying the process, refusing to reopen my dispute, not following up, and not complying with the consumer protections required by 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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
Mariner Financial Services Don't remember the date, but it was in the evening, around XXXX XXXX Someone from Mariner called one of my sisters to have her call me, since I was not taking any calls. Please I do not want anyone knowing my business, I was distraught because they called my sister so that she could tell me to call them. XXXX main # XXXX. 

This is my business no one else she gave been called especially my sister. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I filed a dispute on XX/XX/XXXX and they said within 5 days the case would be resolved and I have a temp credit well I don't and when I call they give me a rund around it shouldn't STATE ONE THE SITE THAT WITHIN 5 DAYS IT BE RESOLVED AND I HAVE A CREDIT IF ITS NOT TRUE it was a ATM transaction and it said card error when I used the ATM and I didn't receive any of them money and I need to pay bills and take care of my bills

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-19 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: KY

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update Address on My Credit File Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address listed above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : 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 XXXXXXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Request to Update Address on My Credit File Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX New Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Credit Bureaus, I am writing to request that each of the credit reporting agencies update my address in your records. Please ensure that all files and reports associated with my credit history reflect my new current mailing address listed above. 
Enclosed are copies of the following documents to verify my identity and address : Government-issued photo identification Proof of current residence ( such as a utility bill, lease agreement, or bank statement showing my name and new address ) Remove fraudulent addresses : 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 XXXXXXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IA

Complaint narrative:
The is my second try at this. My first complaint was this... 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting or other personal consumer reports ISSUE Incorrect information on your report The incorrect information is that I can not log into my Experian account to have the ability to unfreeze it. I have tried calling, I've uploaded my drivers license, passport, XXXX XXXX with no success. The reason I have been trying to log in is that I have been applying for an HELOC with XXXX XXXX XXXX  and they need access to my Experian account that I have frozen. I can not temporarily unfreeze if I can not log in to it. My user name is either XXXX or XXXX my cell number is XXXX. I just tried again and it says that my cell number does not match my account. HELP Please.

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 2025-11-19 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: TN

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XXXX, XXXX, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-11-19 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: NY

Complaint narrative:
Police report attached Urgent Request for Investigation and Correction of Inaccurate Credit Records To Whom It May Concern, I am writing to express my deep concern regarding the inaccurate and disputed records appearing on my credit report. On multiple occasions, I have reported these errors and requested a thorough investigation, yet I have not received any meaningful resolution or corrective action. These inaccuracies have caused significant harm to my credit profile, financial stability, and overall quality of life. The continued reporting of false information has resulted in unnecessary hardship and stress. Also the hard and soft inquiries take them off immediately also are all unauthorized. I am formally requesting that your office conduct a comprehensive review of the disputed accounts and take immediate corrective action to restore the accuracy and integrity of my credit file. Failure to resolve this matter promptly will leave me with no choice but to escalate the issue by filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action for violations under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Your immediate attention to this matter is expected. Please confirm receipt of this complaint and notify me of the corrective actions taken to resolve it. 


FCRA 15 USC 1681, 1681a, 1681b, 1681c-2, 1681e ( b ), 1681i, 1681n, 1681o FACTA Identity Theft Red Flags Rule GLBA ( GrammLeachBliley Act ) Privacy & Safeguards Rule FDCPA fraudulent/identity-theft debt reporting Identity Theft and Assumption Deterrence Act Fair Credit and Billing laws Consumer Financial Protection Act ( Dodd-Frank ) prohibiting unfair, deceptive, or abusive acts FTC Identity Theft Rules

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted correspondence to formally dispute the accuracy and completeness of specific information contained in my credit report. In accordance with Sections 609 and 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I respectfully requested full verification and disclosure of the original source documentation supporting the accounts listed. XXXX {$1800.00}, XXXX XXXX XXXX  {$5100.00} and XXXX XXXX  {$3900.00} Under Section 609 I requested a complete copy of the original signed contract or application bearing my signature for the alleged debt. All documentation, records, and data used to verify the accuracy and completeness of the reported information. If they are unable to produce this documentation, I respectfully requested that the disputed item ( s ) be deleted from my credit file immediately, as required under federal law. 


As of XX/XX/XXXX I received an envelope stating " Something must be wrong so here is a copy of your free credit report. This is not what I requested.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-19 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: TX

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: FL

Complaint narrative:
I have been called 6 times on the XXXX 2 times on the XXXX and 4 times today. When I first spoke to them on the XXXX and found out what this was I asked what its regarding after IDing myself. 

They told me it was about {$2000.00} dollars owed for toll violations and I said that cant be true because I have a XXXX XXXX. I told them to cease and desist from all communication and send me an email with proof or a link via text to review the information so I can confirm its not a scam and do not reach out to me until then. 

They didnt do this and called me 2 times on the XXXX and today 4 times the last time I answer because it was an unknown number and XXXX XXXX XXXX XXXX XXXX was looking for me. I ask what it was about and she said a personal matter which is what they said last time I talked to them. I told her I issued a cease and desist and requested the documents which they still havent done. Then I asked for her managers name and information she refused to provide it to me saying I cant provide you my managers information I told her that she was in clear violation of the FDCPA and that since she wouldnt get me to a supervisor or provide the information that I would be submitting a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One failed to properly investigate and resolve my dispute for a {$510.00} XXXX charge ( Case # XXXX ). I received a letter dated XX/XX/XXXX requesting more documents by XX/XX/XXXX, proving the case was within their dispute timeframe. I mailed a complete packet via USPS on XX/XX/XXXX ( with tracking ), and during a XX/XX/XXXX recorded call, Capital One confirmed they received my submission. 

Despite that, Capital One denied my dispute on XX/XX/XXXX, claiming my packet lacked all previously requested information without specifying what was missing and without offering a correction window. This contradicts the agents confirmation that they received all documents. The denial letter falsely stated the case was past timeframe, which contradicts Capital Ones own XX/XX/XXXX request. 

During the XX/XX/XXXX call, I disclosed that I have XXXX  XXXX, a federally recognized cognitive XXXX that makes phone-based dispute steps inaccessible. I requested written or electronic accommodation. The rep dismissed XXXX  as a qualifying XXXX and refused email or mail-based alternatives, offering only phone callbacks, which I stated are inaccessible. This violates ADA Title III, which requires reasonable accommodation in service access. 

I sent a full ADA-protected dispute reopening package with XXXX medical support letters from licensed providers. Capital One issued a generic denial that did not acknowledge the XXXX request, my documented XXXX, the evidence submitted, or their internal contradictions. 

Additionally, XXXX XXXX refunded several of the same XXXX charges based on the same evidence, proving the merchant failed to provide the service. Capital One did not review the evidence or provide a proper FCBA investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am a victim of identity theft and XXXX credit bureau data breaches ( XXXX  and TransUnion ). TransUnion LLC continues to report fraudulent and inaccurate tradelines on my consumer credit report despite multiple disputes. These include : a ) XXXX  XXXX XXXX  : Balance : {$5600.00} : Date Fraud Begun : XX/XX/XXXX b ) XXXX XXXX XXXX  : Balance : {$1200.00} : Date Fraud Begun : XX/XX/XXXX c ) XXXX XXXX XXXX : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX d ) XXXX XXXX XXXX XXXX : Balance : {$2000.00} : Date Fraud Begun : XX/XX/XXXX XXXX ) XXXX XXXX XXXX. : Balance : {$540.00} : Date XXXX XXXX : XX/XX/XXXX f XXXX XXXX XXXX XXXX. : Balance : {$710.00} : Date Fraud Begun : XX/XX/XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX : Balance : {$320.00} : Date Fraud Begun : XX/XX/XXXX I have disputed these items multiple times. TransUnion LLC has failed to conduct a reasonable reinvestigation, continues to report them as valid, and has not provided documentation verifying their accuracy. 
Violations Alleged Federal Law : Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

1681i : Failure to conduct a reasonable reinvestigation within 30 days.

1681n : Willful noncompliance.

1681o : Negligent noncompliance. 
Damages Suffered Denial of credit and higher interest rates. 
Denial of employment and housing opportunities. 
Emotional distress, reputational harm, and financial costs incurred attempting to correct errors. 
I request that the CFPB require TransUnion LLC to : 1. Delete all inaccurate accounts listed above.

2. Provide written confirmation of deletions/corrections.

3. Send updated reports to all entities that received my report in the past 6 months ( 2 years for employment ).

4. Provide documentation of the method of verification used.

5. Compensate me for damages sustained.

Authority Federal courts have recognized consumer rights to hold CRAs accountable for inaccurate reporting, including XXXX XXXX XXXX, XXXX XXXX Trans Union XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). TransUnion LLC continued reporting of fraudulent accounts despite notice and dispute is unlawful. I request immediate regulatory intervention to enforce my rights under federal and North Carolina 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