vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
I am a victim of identity theft. I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ).

The accounts currently reporting on my credit file are the result of identity theft and do not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting an immediate block and deletion of all fraudulent accounts associated with this identity theft.

Please investigate and provide written confirmation once the fraudulent information has been permanently removed from my credit report.

FTC Identity Theft Report Case Number:XXXX What would be a fair resolution to this issue? 
Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint.

Immediate blocking and permanent deletion of all fraudulent accounts resulting from identity theft, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Written confirmation that the fraudulent information has been completely removed from my credit file, and that my credit report has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I got sued even after the documents below were sent. Paid them {$150.00} to start the judgement. Then paid {$50.00} on XX/XX/year> to XXXX XXXX  and XXXX the lawyers that help them collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
Over several years, I have experienced repeated failures with U.S. Banks mobile check deposit system affecting both personal and business accounts. The problem is not isolated or incidentalthe structure and design of the system are fundamentally misleading.

The app walks users through the entire deposit process, accepts front and back images of the check, accepts the entered amount, and explicitly indicates the deposit is completed or done. When a bank confirms a deposit as done, consumers reasonably expect that the deposit has been received and processed. In reality, this confirmation is unreliable and misleading.

In multiple instances, including a deposit I believed was completed on the day before XXXX, the funds never appeared in my account. Today, I contacted U.S. Bank support by phone and was told there was no record of the deposit. No notification, email, or alert was ever sent to indicate failure. The only way to discover the issue is by manually auditing deposits after the fact. 

I previously contacted U.S. Bank months ago and provided full disclosure of this problem. Nothing was changed, and I was not informed of any required steps to manually verify deposits. I was not told whether the issue was escalated internally or forwarded to any other department. 

During todays call, a U.S. Bank representative with 17 years of experience explained how to manually verify deposit status by navigating to a specific mobile deposit history tabinformation that was never provided by a less experienced representative during prior calls. I only learned how to properly verify deposits due to this representatives tenure, not because the system or process makes it clear. 

This inconsistency demonstrates that even when customers report the issue, it continues to occur. The system relies on undisclosed, manual verification by customers rather than clear confirmation by the bank. The app should clearly state at the time of deposit how customers can confirm successful receipt, or automatically notify them if a deposit fails. 

Consumers reasonably rely on a banks confirmation and often discard checks after a completed deposit. This design creates a serious and ongoing risk of financial loss without notice. I am requesting regulatory review of U.S. Banks mobile deposit system design, internal controls, customer disclosures, and notification practices.

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 2025-12-27 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: VA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

Unauthorized Accounts Listed Below : 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 non-monetary relief
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

Unauthorized Accounts Listed Below : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was awarded money and it was place on a Venmo account and the same day that it was posted Venmo suspended my account and will not tell me why other than I violated some terms and conditions but refuses to give me the terms and conditions I supposedly violated. They refuse to release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: IN

Complaint narrative:
This account does not belong to me and has been incorrectly reported on my credit file ; the information shown is inaccurate and should be corrected.

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XXXX XXXX i was scammed for a vehicle i never received, i called chime immediately to see what i could do, i was informed to make a police report or there wasnt anything they could do at the moment. so i called the police, i had to call the helpline instead of the emergency line so they were taking forever to show up, i was stranded outside & i had things to do so i cancelled the call & informed them that i would be calling the next day. on XXXX XXXX i got home after work & called them again to make a report, a XXXX  XXXX showed up, took pictures of all of my evidence & made a report. i then proceed to contact chime again like they told me to with my case number, the agent wasnt trying to help me she kept reading off of a prompt so i asked for her supervisor, she did the exact same thing & ended up hanging up in my face. i immediately called back & i got different people this time the regular agent was more cooperative & understanding than the other one & was even shocked but he documented everything for me & transferred me to the fraud department finally because the last supervisor refused to. now the fraud agent refuses to help me & she kept repeating another prompt about it being the dispute departments job. i was asking her if she could freeze the recipients account & she kept talking over me & eventually hung up in my face like the first supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me. Despite this, I continue to see multiple accounts reporting inaccurate and false information. This has been a recurring and unresolved issue, even after raising it multiple times. The continued reporting of incorrect information is stressful, exhausting, and is unfairly damaging my credit score and overall financial well-being.

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 2025-12-27 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: AZ

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-27 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:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-27 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:
This account has been wrongfully attributed to me and the reporting is inaccurate ; I request an immediate review and correction.

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 2025-12-27 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: IN

Complaint narrative:
Although this account has been paid in full and the balance satisfied, it continues to show late payment notations that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
FDCPA & FCRA VIOLATIONS Consumer : XXXX XXXX XXXX : XXXX ( Collections ) Account No. : XXXX I am filing this complaint against XXXX for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 
I disputed the alleged debt and requested validation. In response, XXXX sent a letter dated XX/XX/year> titled XXXX of the XXXX. This document merely restated an alleged balance and creditor name and did not include any documentary proof of ownership or authority to collect. 
Specifically, XXXX failed to provide : A bill of sale or assignment agreement A servicing agreement or power of attorney Any chain of title identifying my specific account Despite failing to validate the debt, FCO continues to assert collection authority. This conduct violates 15 U.S.C. 1692g ( b ) by failing to cease collection activity, as well as 1692e and 1692f by misrepresenting XXXX XXXX and engaging in unfair practices. 
If this account is being reported to consumer reporting agencies, such reporting without proof of authority also violates 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act.

I am requesting that the CFPB require FCO to : 1 ) Provide lawful proof of ownership or authority, or 2 ) Cease collection and delete any related credit reporting. 
I have retained copies of all correspondence and request relief as allowed by law. 

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-27 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: IL

Complaint narrative:
I submitted a credit dispute to this bureau and included my government-issued identification, Social Security number, and proof of address. 

Despite having sufficient information to verify my identity and despite continuing to report credit information under my name and SSN the bureau refused to conduct a reinvestigation and claimed it could not verify my identity.

This constitutes an improper refusal to reinvestigate under 15 U.S.C. 1681i. I am requesting that the bureau either : conduct a lawful reinvestigation of the disputed accounts, or delete the information it can not verify. 

I am also requesting documentation showing how my identity is allegedly insufficient for investigation while sufficient for 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 2025-12-27 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: PA

Complaint narrative:
I am disputing the reporting of the XXXX account, XXXXXXXX XXXX XXXX XXXX Balance : {$2000.00}, Date Opened : XX/XX/XXXX, Date Last Active : XX/XX/XXXX ) * *, which is inaccurately reported as having late payment activity. My records indicate that this account was not delinquent during the periods reported, and there is no documentation showing verified late payments. Reporting unverified or inaccurate late payments violates FCRA 611 ( a ) ( 1 ), which grants me the right to dispute inaccurate information and request reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only information that is complete, accurate, and verifiable. Additionally, FCRA 607 ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. The reporting of false late payments on this account misrepresents my creditworthiness, negatively impacts my credit score, and may influence lenders to deny or limit access to fair credit and financial services. I request that XXXX provide complete supporting documentation, including statements, payment history, and account communications, to substantiate the reported late activity, the late payment reporting entirely if verification can not be provided.

The inaccurate reporting of this late open account has caused tangible financial harm. The reporting of unverified late payments over a period of nearly nine years paints an inaccurate picture of my payment history and financial responsibility, which can negatively affect loan approvals, interest rates, insurance premiums, and rental applications. Reporting unverifiable delinquencies also violates FCRA 609 ( a ), which gives consumers the right to obtain verification of information in their credit file, and FDCPA 807 and 809, which prohibit false, misleading, or deceptive reporting. It is critical that this account be reinvestigated thoroughly, with all historical documentation verified directly with XXXX, and any discrepancies corrected to maintain accuracy in 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 non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
around XX/XX/year> truist bank employee transferred XXXX to fraudulent person claiming to be my power of attorney which I've never had a agent of the nature.

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