vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>25 around XXXX, I went to the ATM to deposit cash. The first time I inserted the bills, there were too many, so I removed them after the machine rejected the deposit. Shortly after, I tried again with an acceptable amount of bills. The ATM accepted the cash and began counting the bills, appearing as if it was going to deposit the money into my account. 

However, after continuing to process the deposit, I did not receive any confirmation that the transaction was successful. After about a minute, the machine displayed a message saying it was out of order and to try again later. 

As soon as that happened, I went inside the bank and spoke with a banker to file a claim. I was informed that they do not handle the ATM directly, as it is managed by a third-party service. 

XXXX days later, I received a provisional credit for the claimed amount. However, as of XX/XX/scrub>/25, the case was denied and the money was withdrawn from my account. The video footage and bill count should clearly show that the money was accepted by the machine but never deposited into my account. There should also be an overage for that day.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX and the reporting of negative payment history on my credit report related to my open credit card account. The negative payment entries in question date back to XXXX - XXXX of 2018 and are beyond the statute of limitations for credit reporting and/or legal collection in my state. 

Under the Fair Credit Reporting Act ( FCRA ), negative information such as late payments must not be reported for longer than 7 years from the date of delinquency. Additionally, the statute of limitations for collecting on this type of debt in my state is [ insert number ] years, and that period has expired. 

Despite this, XXXX continues to report this outdated payment history on an open account, which is unfairly impacting my creditworthiness. I am requesting that these obsolete late payment entries be removed from my credit report as they are no longer legally reportable and do not reflect my current payment behavior.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX and the reporting of negative payment history on my credit report related to my open credit card account. The negative payment entries in question date back to XXXX - XXXX of 2018 and are beyond the statute of limitations for credit reporting and/or legal collection in my state. 

Under the Fair Credit Reporting Act ( FCRA ), negative information such as late payments must not be reported for longer than 7 years from the date of delinquency. Additionally, the statute of limitations for collecting on this type of debt in my state is [ insert number ] years, and that period has expired. 

Despite this, XXXX continues to report this outdated payment history on an open account, which is unfairly impacting my creditworthiness. I am requesting that these obsolete late payment entries be removed from my credit report as they are no longer legally reportable and do not reflect my current payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I had recently paid off the Military Star Card right before XXXX  XXXX XXXX from the military since I was XXXX XXXX XXXX XXXX without a XXXX. Wasnt using the card and got a notification that someone had purchased XXXX {$500.00} XXXX  gift cards on my account. I told them I did not make these purchases and they never resolved it and it is now affecting my credit.

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 2025-05-13 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint due to inaccurate and duplicative credit reporting by LVNV Funding LLC. LVNV is reporting a collection account for an alleged debt originally issued by XXXX, which is also reporting the same account separately. 

This results in the same debt appearing twice on my credit reportsonce under the original creditor and again under the debt buyercreating a false and misleading impression of my financial obligations. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report only complete and accurate information. 

The impact of this inaccurate reporting has been significant. It has caused my credit score to decrease, made it more difficult to obtain credit, and resulted in higher interest rates. This reporting is not only financially damaging, but it also constitutes negligent and potentially willful noncompliance with federal law. 

I am requesting the following : Immediate removal of the LVNV Funding collection account from all three credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

A formal investigation into the legality and accuracy of this reporting. 

Compensation in the amount of {$1000.00} for the financial harm, inconvenience, and emotional distress this has caused. 

If this matter is not resolved promptly and to my satisfaction, I am fully prepared to escalate by filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney General, and to pursue legal remedies in small claims court under the provisions of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX XXXX  # XXXX XXXX  XXXX XXXX # XXXX DEPT OF EDUCATION/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me crWedit. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting a complaint to dispute several unauthorized inquiries that appear on my credit report. Below is the list of inquiries I believe were made without my consent or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-13 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: AR

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are some hard inquiries on my credit that I did not authorize. There were a total of XXXX, only XXXX remain. These banks refuse to tell me why they have this report on my credit or delete it. They only say that if it is there it is for some reason without doing any investigation.

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 2025-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are some hard inquiries on my credit that I did not authorize. There were a total of XXXX, only XXXX remain. These banks refuse to tell me why they have this report on my credit or delete it. They only say that if it is there it is for some reason without doing any investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
There are some hard inquiries on my credit that I did not authorize. There were a total of XXXX, only XXXX remain. These banks refuse to tell me why they have this report on my credit or delete it. They only say that if it is there it is for some reason without doing any investigation.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I recently signed up for the XXXX a visa signature card. In the process of trying to activate the card after receiving it, I was given an opportunity to sign up for " XXXX XXXX ''. In the online version of the solicitation there was no obvious mention of the cost for this service, in fact, I was under the impression that it was free! After signing up for the service I subsequently learned, when my wife called to activate her card that there is a significant fee for this particular service. 

My complaint is that ; 1. The advertising was deceiving 2. This is a predatory lending practice in that they charge you per {$100.00} " charged '' on the card each month even if you pay off your entire balance at the end of the month.

I don't believe this is an honest advertising practice. It seems not only deceitful, but predatory, and should be looked into and may even be illegal based on how they charge you and advertise it online.

Finally, when I tried to cancel the service, they wouldn't allow m
e to do it for 48 hours. I happen to know that there is an act in Pennsylvania that allows one to cancel any contract within three days during a " cooling off. '' Obviously, if it takes at least 48 hours to register the account and you have three days to cancel your contract, this leaves very little time for the consumer to have resolution. 

Please let me know what you discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
Okay I was in XXXX  from XX/XX/XXXX to XX/XX/XXXX when I got out i was contacted by FEMA the organization that helps with the XXXX flood and they asked me if I have received the funds for my home damages and if that was enough to cover them. I informed them I hadn't received any money and they directed me to the PayPal account in which it was deposited. When I attempted to access my PayPal account I couldn't access it. I contacted them several times until eventually after 4 days someone got me into it and it was true someone had changed my password my email my phone number and address and even the picture was of this person. When I contacted paypals customer service and inform them of the illegal transfers that this person made for my account to theirs and it took me several weeks to convince him that this was not me that done this. Only after threatening them to take them to court and actually going to the courthouse and following up papers did they finally give me the money back. after I receive the funds I attempted to use my card and just like it was when I first got out of XXXX  on XX/XX/XXXX I couldn't use the card at all. He would not let me drop money you would not let me use the car to buy things I could not even buy things online when I try to transfer the money to my bank it wouldn't let me transfer the money so my funds were once again stuck in PayPal. After I fought with them for several more days a representative helped me find a way to take the money out of my account once I began to do this they suspended my account. I called and argued with them and got the account reactivated but then after just XXXX day of this they suspended my account again. I've tried like XXXX to speak with someone about this and the representatives won't let me talk to the supervisor and keep telling me that there's nothing they can do and literally hang up on me. There's over XXXX in my account now and they didn't stop me from using my account as of when they refunded the money that they let somebody take they had started that on XX/XX/XXXX way before I had access to that money. I don't know why they never would tell me but they stopped by access of using the card or transferring money on that day Please is there any way you can help my home is about to be condemned because of the damages do to the flood and I have not the money to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 2 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-05-13 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation