vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TN

Complaint narrative:
I had went to us bank in XXXX Tennessee on XXXX XXXX and tried to deposit {$900.00} into my account by using the atm, it had an error while depositing my cash, it did not give me my money back, or put it into my account, I went inside and talk to the bank teller about it and she filed a dispute that said it would be in my account by XXXX business days, so I called today on XXXX XXXX and they said it would be longer, they told me it was my fault that my money was gone because I chose to deposit into the atm instead of coming in, pretty much put all of the blame on me, and now Im sitting here with my bills over due and some of my utilities are cut off because I did not have the money that I deposited for them

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:\'\' \n\XXXX  ACC #5XXXX  BALANCE XXXX\XXXX XXXX  ACC #XXXX  BALANCE XXXX ACC #XXXX  BALANCE XXXX ACC# XXXX-XXXX  BALANCE XXXX XXXX ACC # XXXX BALANCE XXXX  ACC# XXXX BALANCE XXXX XXXX XXXX ACC# XXXX  BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
THIS ACCOUNTS ISNT MINES KEEP REPORTING THATS VERTIFIED ON MY CREDIT REPORT THE AUTO LOAN ON TRANSUNION REPORT ONLY!!! THIS IS AFFECTING FOR THE PASS 2 YEARS I NEVER SIGN OR ACKNOWLEDGE THIS ACCOUNTS I WANT TO BE REMOVE ASAP THIS ACCOUNT ISNT MINES THEY FRAUDENTION ACCOUNTS XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$37000.00} OPEN XXXX PLEASE REMOVE ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XX/XX/year> I was hospitalized for XXXX. I had health insurance. I was sent to collections from ER when I had coverage. Attaching insurance card that was fully valid at the time. Collections has refused to assist or rebill to insurance for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
On Friday, XX/XX/year> I attempted to log into my online Discover account. I enter my user name and password but receive the an error that says, " We're sorry. Your request can not be completed at this time. We sincerely apologize for this inconvenience and are working to resolve this issue soon. '' I tried to log in again today, Monday, XX/XX/year>. I received the same error. 

I have tried to use the mobile app and could not log in. 

If I can not access my account, I am unable to verify purchases, make changes to my account, or make a payment. 

This is a serious issue. First, I need to make an address change. Second, I am unable to make a payment to my account. This can result in penalty fees and finances charges. If customers can't access their account there could be significant charges to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: KY

Complaint narrative:
In XX/XX/year>, I contacted VW Credit to let them know I was having difficulty making my full car payment on time. I was told that if I made a split payment ( partial payment followed by the remainder shortly after ), it would prevent the account from being reported as 30 days late. I followed their instructions and made the payments as agreed. 

Despite this, they reported a 30-day late payment to the credit bureaus. I called and informed them of the error. A manager acknowledged the issue and said they would review the recorded calls and get back to me. I never received a follow-up or correction. 

I am requesting that the late payment be removed from my credit report, as I followed the terms provided to me in good faith and was misled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally state that a checking account was opened at U.S. Bank National Association in my name, XXXX XXXX, without my knowledge or consent. The documentation associated with this account, which includes a signature card dated XX/XX/year>, was not authorized, signed, or initiated by me. 

The mailing address listed on the account XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX is familiar ; however, the account itself, including the number ending in XXXX, and the use of my Social Security Number and personal identifiers, was done without my express permission. I have reason to believe this may be a case of identity theft or fraudulent activity.

I am not responsible for any transactions, balances, or actions associated with this account. I respectfully request that this matter be thoroughly investigated and that the account be flagged and closed if fraud is confirmed. Additionally, I ask that any credit or banking bureaus that have received reports of this account be updated to reflect that it was opened without authorization.

Please consider this a formal dispute of any records or obligations tied to the aforementioned U.S. Bank account.

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 2025-07-28 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:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-07-28 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello. I am XXXX XXXX, and I keep up very diligently with my credit cards and my credit is very important to me. I have a credit card with Best Buy, and a lot of the time their statement are incorrect, something which hurts my credit. 
Now, this current situation that I am complaining about, the payment due date for this previous month was XX/XX/year>. 
On XX/XX/year>, I made a transaction for {$240.00}. 
On XX/XX/year>, I made another transaction for {$37.00}. 
Both of these transactions I made AFTER the final payment due date, which is as I said XX/XX/year>. 
Despite this fact and despite the email that I sent them, my statement for XX/XX/year> ended up showing that I owed {$280.00}. 
Please have them fix it and from now on show the statement as {$0.00}, because as I said this is not their first time doing this. 
Attached is the last few transactions from the month of XXXX. 

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 2025-07-28 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: LA

Complaint narrative:
TransUnion, Equifax, Experian Re : Request for Debt Validation RE : Method of Verification Request - FCRA Section 611 To Whom It May Concern, I recently disputed several accounts on my credit report. I received your response stating that these accounts were " verified as accurate. '' However, under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide me with the method of verification for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As allowed under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to determine the accuracy and completeness of this information, including : - The name, address, and phone number of the party who verified the account - Copies of any documents or contracts with my signature used to verify the account If you are unable to provide this information, I demand that these accounts be deleted from my credit file immediately. Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
TransUnion, Equifax, Experian Re : Request for Debt Validation RE : Method of Verification Request - FCRA Section 611 To Whom It May Concern, I recently disputed several accounts on my credit report. I received your response stating that these accounts were " verified as accurate. '' However, under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide me with the method of verification for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As allowed under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to determine the accuracy and completeness of this information, including : - The name, address, and phone number of the party who verified the account - Copies of any documents or contracts with my signature used to verify the account If you are unable to provide this information, I demand that these accounts be deleted from my credit file immediately. Sincerely, XXXX XXXX XX/XX/year>

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 2025-07-28 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXXInquiryXXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-07-28 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-28 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: TX

Complaint narrative:
These accounts are fraudulent under FCRA Section 605B I am a victim of identity theft.I did not open this account.Please permanently remove it from my credit report immediately.

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 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
{$160.00} was taken out of my chime account fraudulently, after them issuing me a new card they denied the claim without any information. I can't even look at the dispute now they have it hidden although they state it is on the home page it is not... this fraudulent charge and dispute was early XXXX of this year ( 2025 ) yet I can not view the dispute like chime vigilantly states.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  - Account Number : 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 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