vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: VA

Complaint narrative:
I am filing this complaint regarding U.S. Banks fraudulent and deceptive conduct related to a credit card promotional offer and their repeated failure to investigate or provide accurate information. 

I applied for the XXXX XXXX XXXX XXXX from U.S. Bank in XX/XX/XXXX, which included a promotional offer of XXXX miles upon spending {$5000.00} within 90 days of account opening. 

I was not able to activate or use my card until XX/XX/XXXX due to delayed delivery of the physical card. On or around XX/XX/XXXX, I contacted U.S. Bank customer service to confirm when the 90-day spending period would end. I explicitly informed the representative that my card was only activated on XX/XX/XXXX. The representative clearly confirmed that my 90-day period would end on XX/XX/XXXX, based on activation date, not account opening. 

Relying on that information, I ensured I spent over {$5000.00} by XX/XX/XXXX. However, by XXXX, I had not received the XXXX miles reward. When I called again, another representative informed me that the original representative gave incorrect information and that the 90 days is calculated from the account opening date ( XX/XX/XXXX ), not activation. Therefore, they said I was no longer eligible for the reward. 

I requested an investigation, explaining that U.S. Bank records phone calls and could verify the misinformation I was given. I was told I would receive a response within 24 hours, but no one followed up. I called again, and another representative said it would take 48 hours. As a temporary measure, I was given a {$50.00} credit as compensation for the inconvenience. I asked whether this resolved the issue or was just for the delay, and was told it was not a resolution but a goodwill gesture. 

When I followed up two weeks later, a manager told me there was no record of an investigation, and that the issue was considered resolved by the {$50.00} creditcompletely contradicting what I was told before. The manager refused to escalate the issue and effectively ended the conversation

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 2025-04-14 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would e for all listed accounts to be blocked and deleted company information Transunion and all other beaurs Please delete the following accounts. Immediate Deletion Demanded Reinserted Inaccurate Account by 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 

To Whom It May Concern : I have verified that TransUnion and Experian are both currently reporting this reinserted account and inaccurate accounts which is not only inaccurate but was also re-added without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, my personal information was exposed in a known data breach, putting me at even greater risk for identity theft and fraudulent reporting. Reintroducing false credit data under these circumstances is not just negligent it is reckless. 

I am demanding the following actions be taken immediately : XXXX. Permanent deletion of the reinserted XXXX XXXX XXXX AND ALL ACCOUNTS from all credit bureaus.

2. A detailed explanation as to how and why this inaccurate account was reinserted without following proper legal procedures. 
XXXX. Confirmation that XXXX is in full compliance with data protection laws and FCRA guidelines. 

Failure to delete this account and provide a written resolution will leave me with no choice but to pursue legal action. This includes filing a formal complaint with the FTC, pursuing damages under the FCRA, and consulting legal counsel regarding the exposure of my personal data. 



Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-14 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: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I am submitting this complaint because my credit report currently includes medical debt that should no longer be reported under the new rule finalized by the Consumer Financial Protection Bureau ( CFPB ) in XX/XX/XXXX, which prohibits credit bureaus from including unpaid medical bills on consumer credit reports. On XX/XX/XXXX I submitted a certified letter requesting that this information be removed to : HR Accounts XXXX XXXX XXXX XXXX, IL XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX, which was signed and received on XX/XX/XXXX Despite this federal regulation, and the 30 day investigation period, the following account ( s ) remain on my credit profile : - HR Accounts This account is related to medical debt and are in direct violation of the current CFPB policy. I have attempted to dispute these items directly with the credit bureaus and the collection agencies, but they have not taken appropriate action to remove them. 

Additionally, this debt was never validated with sufficient documentation, and no proper verification was provided to justify their continued reporting. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and the new CFPB regulations regarding the handling of medical debt. A dispute was made to XXXX and XXXX asking for an investigation and review of incorrect information reporting. No investigation has been conducted by the bureaus. No communication has been received from the bureaus with any acknowledgement of my complaint. 

I respectfully request that the CFPB investigate this matter and ensure this medical debt are permanently removed from my credit reports with XXXX, XXXX, and XXXX in compliance with current law. 

Thank you for your time and support in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-14 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: IL

Complaint narrative:
RE : Cease and Desist Unlawful Communication and Credit Reporting Activity Dear XXXX XXXX XXXX This letter serves as your formal notice to cease and desist from any further attempts to communicate with me regarding any alleged debt, including but not limited to reporting to any consumer reporting agency ( commonly known as credit bureaus ), in accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Under this federal law, communication is defined broadly as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting or continuing to report any alleged debt to the credit bureaus constitutes a form of communication and is included in the scope of this statute. 

Let this serve as your notice that : I dispute the validity of the alleged debt. 

I am invoking my right under federal law to demand that you cease all communication with me, including indirect communication such as credit reporting. 

Any continued attempt to report, re-report, or verify the alleged debt with any credit reporting agency will be considered willful noncompliance with the FDCPA and may subject you to civil liability under 15 U.S.C. 1692k.

Failure to comply with this notice will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages in civil court.

You are hereby instructed to cease and desist all forms of communication and remove or request the removal of any negative credit information you have reported. This includes any verification or updating of information you may have previously submitted. 

This letter is not a request ; it is a formal legal notice of my rights under federal law. 

Sincerely, 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 2025-04-14 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: BROKER SOLUTIONS, INC.
State: NY

Complaint narrative:
Unauthorize Credit Check By New American Funding On Sunday night XXXX XXXX at XXXX ; XXXX I got a call from an unknown individual. He explained to me that he noticed that I looked to buy a house. He was starting to offer me to make a pre-approval in order to see how much I can get from them. I told him I need more information about the bank before I move further. Then I told him quote : '' Do not run my credit ''! If I can get a pre approval without a credit check that's OK, otherwise I do not authorize to Run my credit for no reason. By contrast he did that on his own without my consent. How and when I know that he requested a credit check from XXXX, it is at XXXX XXXX  the next day which is Monday when I receive an email from XXXX XXXX XXXX  states : There's been a change to your XXXX Credit Report, A lender requested a copy of your credit file. Then I rush to check in my XXXX  to see whether it is true, I realize that was true. So, I called the individual to ask him why I did not authorize to Run my Credit and he tried to explain that he can not provide a pre-approval without a credit check, but I told you : do not run my credit! 
Definitely, I request from XXXX to remove that unauthorize credit check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : [ incorrect balance, inaccurate payment history, wrong account status, 120 day late payment inaccuracy due to loan being deferred Under 15 U.S. code 1681 S 2A furnishers must report accurate information. Under 15 U.S. code 1681 I credit bureaus must perform a reasonable investigation within 30 days. Under U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be corrected or removed from all consumer reporting agencies to which it was reported. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, 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 2025-04-14 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-14 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: IL

Complaint narrative:
I filed a dispute with TransUnion in XX/XX/year> regarding an outstanding balance reported by XXXX that appears on my credit report. Despite submitting multiple disputes, TransUnion continues to report that I have a balance, as reflected in the most recent credit report I received on XX/XX/year>. I then contacted XXXX directly, and they confirmed that I do not have any outstanding balance with them. Based on this confirmation and the supporting documentation provided, I am requesting that this inaccurate line item be corrected and updated on my credit report immediately. 

Thanks 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 2025-04-14 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: GA

Complaint narrative:
I am writing to you not just as one of the 2 million borrowers identified in Senator Warren 's investigation, but as a single mother who has worked tirelessly to break barriers in the male-dominated construction industry. Today, I should be designing my dream solar-powered home. Instead, I'm watching my hopes crumble because of duplicate student loan reporting errors.

My journey has been one of determination and sacrifice. I climbed from Project Engineer to Strategic Sourcing Construction Manager at a Fortune XXXX company, earning every step of my salary through hard work and dedication. I maintained a pristine credit score of XXXX, paying my credit cards on time and usually in full, dreaming of the day I could provide a permanent home for my family. 

That dream shattered when my credit score plummeted to XXXX due to the same student loan being reported twice : Once by XXXX Again by XXXX XXXXXXXX XXXX ( Loan Authority is not shown on credit reports ) The devastation of being denied a USDA loan my pathway to building an eco-friendly home for my family is immeasurable. As someone who has spent years in construction management, the irony of not being able to build my own home due to a reporting error is particularly painful. 
Personal Impact : - Credit score dropped from XXXX to XXXX due to duplicate reporting - Denied USDA loan for first-time homebuyer solar-powered home due to score - Single mother in construction industry facing housing barrier - Perfect payment history on credit cards ( 75 % paid in full ) - Documented proof of same loan reported under different account numbers across credit bureaus.

Loan Documentation Shows Evidence of Duplicate Reporting : -Same loan amount reported multiple times -Different account numbers assigned -Multiple servicer names for identical debt -Systematic manipulation of reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to you not just as one of the 2 million borrowers identified in XXXX XXXX 's investigation, but as a single mother who has worked tirelessly to break barriers in the male-dominated construction industry. Today, I should be designing my dream solar-powered home. Instead, I'm watching my hopes crumble because of duplicate student loan reporting errors. 

My journey has been XXXX of determination and sacrifice. I climbed from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at a XXXX XXXXXXXX company, earning every step of my salary through hard work and dedication. I maintained a pristine credit score of XXXX, paying my credit cards on time and usually in full, dreaming of the day I could provide a permanent home for my family. 

That dream shattered when my credit score plummeted to XXXX due to the same student loan being reported twice : Once by XXXX Again by XXXX XXXXXXXX XXXX XXXX Loan Authority is not shown on credit reports ) The devastation of being denied a USDA loan my pathway to building an eco-friendly home for my family is immeasurable. As someone who has spent years in construction management, the irony of not being able to build my own home due to a reporting error is particularly painful.

Personal Impact : - Credit score dropped from XXXX to XXXX due to duplicate reporting - Denied USDA loan for first-time homebuyer solar-powered home due to score - Single mother in construction industry facing housing barrier - Perfect payment history on credit cards ( 75 % paid in full ) - Documented proof of same loan reported under different account numbers across credit bureaus.

Loan Documentation Shows Evidence of Duplicate Reporting : -Same loan amount reported multiple times -Different account numbers assigned -Multiple servicer names for identical debt -Systematic manipulation of 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 non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to you not just as one of the 2 million borrowers identified in XXXX XXXX 's investigation, but as a single mother who has worked tirelessly to break barriers in the male-dominated construction industry. Today, I should be designing my dream solar-powered home. Instead, I'm watching my hopes crumble because of duplicate student loan reporting errors. 

My journey has been one of determination and sacrifice. I climbed from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at a XXXX XXXX company, earning every step of my salary through hard work and dedication. I maintained a pristine credit score of XXXX, paying my credit cards on time and usually in full, dreaming of the day I could provide a permanent home for my family. 

That dream shattered when my credit score plummeted to XXXX due to the same student loan being reported twice : Once by XXXX Again by XXXX XXXXXXXX XXXX ( Loan Authority is not shown on credit reports ) The devastation of being denied a USDA loan my pathway to building an eco-friendly home for my family is immeasurable. As someone who has spent years in construction management, the irony of not being able to build my own home due to a reporting error is particularly painful.

Personal Impact : - Credit score dropped from XXXX to XXXX due to duplicate reporting - Denied USDA loan for first-time homebuyer solar-powered home due to score - Single mother in construction industry facing housing barrier - Perfect payment history on credit cards ( 75 % paid in full ) - Documented proof of same loan reported under different account numbers across credit bureaus.

Loan Documentation Shows Evidence of Duplicate Reporting : -Same loan amount reported multiple times -Different account numbers assigned -Multiple servicer names for identical debt -Systematic manipulation of 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 2025-04-14 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief