vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made a wire transfer from my US Bank XXXX XXXX account under the name of XXXX XXXX While making the wire transfer over the phone, a fee of {$40.00} was disclosed to me, which I agreed to. 

The wire transfer was done on XX/XX/year>. 

However, one month later, I was charged a fee of {$52.00} for that wire transfer. When I called US Bank for details of the fee, I was told it was {$40.00} for the wire transfer and {$12.00} for the mail receipt for the same. I told them that neither had I been advised about the {$12.00} mail fee nor had I received any receipt in the mail. 

The US bank representative XXXX informed me that the {$12.00} fee was mandatory and if I did not want it, then I have to opt out of it in writing. I asked her to provide me the fee disclosure and she emailed that to me. 

The disclosure does not show any 'mandatory " mail receipt fee. It only shows it as a line item along with other line items as shown below. If I have already paid for one line item ( Wire Advice Phone ), why is the bank surreptitiously charging me {$52.00} ( {$40.00} + {$12.00} ), without advising me for the same. This is fraudulent charge that the bank needs to stop charging. If they are disclosing the {$40.00} charge during the phone wire, why are they not advising of the {$12.00} charge for mail receipt ( that is not being mailed! ), so that the customer can opt out of it? 

US Bank fee disclosure : Wire Transfers Wire Monthly PIN Maintenance Silver, Gold, Platinum or Non-Profit Checking No Charge Premium Business Checking or Premium Business Money Market {$8.00} Wire Advice mail {$12.00} Wire Advice fax {$11.00} Wire Advice phone {$40.00} Wire Advice email {$7.00} This is the second instance of the bank making that surreptitious charge to my account for an outgoing Phone wire transfer. Each time, there was no receipt that was actually mailed to me. So not only is the bank fraudulently charging this additional fee, they are also not delivering what the fee was charged for. 

When I called a second time, the representative said that she would connect me to a supervisor, but instead disconnected my call after putting me on hold. Even though she had my phone number, she nor the supervisor called me back after the disconnect. 

Account/Order/Tracking number : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received this giftcard and I can not do any online shopping with it. It was declined from XXXX and I can not even load it onto XXXX XXXX or XXXX XXXX for use because I can not enter a billing address or zipcode.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, Navy Federal Credit Union denied my Platinum Visa credit card application ( Application Number : XXXX ). The adverse action letter contained contradictory statements claiming " consumer reporting agency played no part in our decision '' while simultaneously citing TransUnion information as denial reasons. This violates 15 USC 1691 ( b ) requirement for truthful specific reasons.

I am a family member of a deceased Navy Federal member, which makes me part of the member common bond under Federal Credit Union Act 12 USC 1757. The denial penalizes my member-family status rather than serving it, violating the credit union 's statutory duty. 

On XX/XX/year>, I requested reconsideration via their secure messaging system, specifically asking them to evaluate my application using only federal laws Congress passed : Equal Credit Opportunity Act ( 15 USC 1691 ) and Federal Credit Union Act ( 12 USC 1757 ). I requested citation of any other federal statute supporting the denial. 

On XX/XX/year>, Navy Federal denied reconsideration without citing any Congressional statute, instead referencing " established lending criteria. '' On XX/XX/year>, I again requested the lawful basis and specific USC citations supporting denial. Navy Federal responded stating they use " internal lending criteria '' they are " unable to disclose '' and can not provide further assistance.

Navy Federal admitted in writing they denied credit based on undisclosed internal criteria, not federal law. This violates ECOA 's requirement for specific truthful reasons. Their refusal to cite Congressional statutes supporting denial, combined with contradictory adverse action statements, constitutes willful ECOA violations. 

I have written documentation supporting this complaint including : ( 1 ) the original adverse action letter dated XX/XX/year> showing contradictory statements, ( 2 ) complete screenshots from Navy Federal secure message system showing my request for lawful basis dated on XXXX the XXXX and XXXX the XXXXXXXX XXXX ( XXXX ) complete screenshots of Navy federal 's written admission they use internal lending criteria they refuse to disclose via secure messaging system, and ( 4 ) their statement that they're unable to provide further assistance also via screenshot from secure messaging system.c I can provide all documentation upon request.

I request investigation and enforcement action for ECOA violations and Federal Credit Union Act violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: UT

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law.

Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) as evidence of identity theft. 
Pursuant to 15 U.S.C. Section 1681c-2, once an identity theft report is received, a credit reporting agency is required to block the disputed information within four ( 4 ) business days. This obligation has not been met.

The account that must be blocked and removed immediately is : XXXX XXXX XXXXXXXX - XXXX, XXXX - XXXXXXXX XXXX  - XXXX, XXXX XXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted this account after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than 60 days, confirming that this account can not be validated. 
Nevertheless, EQUIFAX continues to report this account, knowingly allowing inaccurate and harmful information to remain on my credit file. 
This ongoing failure to remove the fraudulent account has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I previously disputed the accuracy of XXXX XXXX  credit reporting through the CFPB. In response, XXXX XXXX relied solely on internal billing statements to justify continued reporting of alleged late payments. 

XXXX XXXX response failed to demonstrate that a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ( b ) ). 

Billing statements reflect only internal account activity. They do not validate the accuracy, completeness, or legal compliance of the XXXX XXXX data furnished to consumer reporting agencies. XXXX XXXX did not provide verification of : The accuracy of the Date of First Delinquency ( DOFD ) The correctness of monthly payment rating and account status codes Whether the reporting complied with applicable federal standards Whether any re-aging or improper status reporting occurred Experian subsequently confirmed in its CFPB response that it relied entirely on XXXX XXXX verification to maintain the disputed reporting. As a result, XXXX XXXX XXXXerification became the sole basis for continued negative reporting. 

After receiving notice of dispute and after consumer reporting agencies relied on XXXX XXXX  verification, XXXX XXXX continued and modified its furnishing of negative information without demonstrating that a lawful reasonable investigation of XXXX XXXX data was conducted. 

XXXX XXXX has failed to demonstrate that all relevant information was reviewed as required by law. XXXX solely on internal records does not satisfy the Fair Credit Reporting Acts reasonable investigation standard. 

Despite multiple notices, XXXX XXXX continues to furnish this information without proper verification, resulting in ongoing harm to my credit profile. 

XXXX XXXX  prior CFPB response is attached in full for reference. While that response includes billing statements, billing statements do not validate the accuracy or legal compliance of XXXX XXXX credit reporting data and are not sufficient to demonstrate a reasonable investigation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I I had been fighting a foreclosure for the last XXXX years, and finally, the bank and court proceeded with it. The property went to auction on XXXX at XXXX XXXX XXXX and XXXX sold to Wells Fargo for {$600.00}. However, I noticed in the county clerk 's paperwork a contract listing me as the owner, with false initials not mine, and my signature signing the property over to the new owner, with my name signed without my authorization. If a property is sold at auction, shouldn't the buyer be the one to sign the contract transferring ownership? Why would there be a contract with my forged signature when I was no longer the owner, and I have not received anything, not even the surplus funds,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review,  verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$970.00} XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I submitted a formal credit dispute along with all required identity verification documents, including my government-issued identification, utility bill, Social Security card XXXX and a valid FTC Identity Theft Report. These documents were provided to verify my identity and authorize the dispute. Despite having all required documentation, the credit reporting agency closed my dispute stating that the request did not come from me or an authorized party. No reinvestigation was conducted, and the dispute was dismissed without addressing the accuracy of the information I disputed. Under the Fair Credit Reporting Act, once a consumer submits a dispute with sufficient proof of identity, the credit reporting agency is required to conduct a reasonable reinvestigation. Closing the dispute without doing so constitutes an improper handling of my dispute.

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 2025-12-16 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:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER XXXXXXXX U.S.C. XXXX ( A ) AND XXXX ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They have a rewards program with XXXX called XXXX XXXX  wherein you have to spend {$1500.00} within 30 days of opening to earn {$400.00} XXXX XXXX that you can use to book on XXXX. But they dont give you the option on XXXX to do and every time you call XXXX they transfer you to Wells Fargo and every time you call Wells Fargo they transfer you to XXXX XXXX I have a trip coming up and thats the reason I availed of their promotion. I spent {$1500.00} of my hard earned money and paid for it before the due date so that I can use that {$400.00} to book my hotel

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 2025-12-16 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: NV

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
SYNCB / CARECR ( Synchrony Bank Charge Account ) Accounts : XXXX XXXX XXXX XXXX XXXX  ( reported XXXX XXXX XXXX XXXX XXXX  ) Issues : Late 30, XXXX XXXX inconsistencies, inaccurate balance/limit reporting Furnisher Deletion Demand Letter SYNCB / CARECR RE : Formal Dispute & Demand for Deletion FCRA Violations To Whom It May Concern, I am formally disputing the accuracy, legality, and completeness of the above-referenced account currently being furnished to XXXX XXXX XXXX XXXX 
This account contains material inaccuracies and unlawful reporting, including but not limited to : Inaccurate late payment reporting Improper past-due balances Failure to comply with XXXX XXXX reporting standards Violations Cited 15 USC 1681 ( a ) ( 4 ) Maximum possible accuracy 15 USC 1681s-2 ( a ) & ( b ) Duty to furnish accurate information and conduct reasonable investigation 15 USC 1681s-2 ( a ) ( 1 ) ( F ) Reporting payments as delinquent while subject to accommodation Demand Please provide : 1. Documentary proof of the alleged delinquency 2. Payment history ledger 3. XXXX XXXX compliance validation If you can not fully substantiate this account within 30 days, you are required to DELETE this tradeline from all consumer reporting agencies.

Failure to comply will be documented as willful noncompliance.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC d/b/a Genesis is attempting to collect an alleged apartment lease debt that I do not owe. I have disputed this debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Genesis has failed to provide proper documentation, including : A signed lease agreement Proof of tenancy or occupancy An itemized accounting of the alleged balance Proof of legal assignment or authority to collect Despite the lack of validation, Genesis continues collection efforts and/or credit reporting. This constitutes a failure to validate under the FDCPA and inaccurate, unverifiable reporting under the Fair Credit Reporting Act ( FCRA ).

I am requesting that this account be removed from my credit reports and that all collection activity cease unless full legal validation is provided.

Company response to consumer: Closed with explanation