vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding XXXX returned payment fees on my XXXX Credit Card, which I believe were unfairly handled. Timeline of events : On XX/XX/XXXX, I used the XXXX mobile app to make a payment, {$47.00}. Because the apps interface is small and not very clear, I mistakenly selected my XXXX investment account instead of my XXXX XXXX  account. Since the investment account had no funds, the payment failed. On XX/XX/XXXX, I again used the mobile app and mistakenly selected the same investment account, resulting in another failed payment, the amount is {$250.00}. On XX/XX/XXXX, the first returned payment fee {$30.00} appeared. I immediately contacted XXXX, XXXX explained this fee was linked to the XX/XX/XXXX failed attempt ( amount {$250.00} ) and refunded this fee. On XX/XX/XXXX, a second returned payment fee ( {$40.00} ) appeared ( which I noticed on XX/XX/XXXX ). XXXX explained this was linked to the XX/XX/XXXX failed attempt ( amount {$47.00} ). When I requested a refund, they refused, citing a policy of only XXXX refund within XXXX months. Why this is unfair : Both fees were caused by the same underlying mistake the XXXX mobile app interface made it easy to select the wrong payment account, and XXXX  system allowed a payment attempt from an investment account with no funds. XXXX should have reasonably prevented or warned me when I attempted to make a payment from a XXXX-balance investment account ( from same company, XXXX  ). The fees were posted days after the failed payments, so when I resolved the first XXXX in good faith, I could not have known another fee was still pending. Applying a blanket XXXX refund per year rule here is unreasonable, because it results in double-penalizing a single mistake, rather than addressing repeated misconduct. I respectfully request CFPBs assistance in reviewing this matter and asking XXXX to refund the second returned payment fee, as it constitutes a duplicate penalty for XXXX isolated error, compounded by XXXX system design. Thank you for your time and attention. 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 monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2025-08-29 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
XXXX ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$66.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-08-29 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX XXXX  XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC XXXXg, I am formally requesting their removal within the next XXXX days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am requesting the removal of this inaccurate account from my credit report, as I never approved its creation or use. I have attached the supporting documents to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-29 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: TX

Complaint narrative:
I have previously disputed 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 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 2025-08-29 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: EdFinancial Services
State: GA

Complaint narrative:
XXXX. FCRA 611 ( a ) ( 1 ) ( A ) 2. FCRA 611 ( e ) : 3. FCRA 623 ( a ) ( 1 ) ( A ) 4. FCRA 623 ( a ) ( 1 ) ( B ) 5. FCRA 623 ( a ) ( 3 ) 6. UCC 3-401 ( Uniform Commercial Code ) 7. 15 U.S.C. 1692e ( 2 ) ( A ) FACTUAL BACKGROUND : IDENTITY THEFT I am the victim of a criminal identity theft scheme.I did not attend, apply to, or have any correspondence with XXXXXXXX XXXX. I did not execute a Master Promissory Note ( MPN ) for the loans you are servicing ( Disbursement Dates : XX/XX/year> & XXXX ). Any signature on any document held by you or the Department of Education is a forgery. 
Pursuant to my rights under FCRA 623 ( a ) ( 8 ) and FDCPA 809 ( b ), I demand you conduct a full investigation and provide me with validation of this alleged debt. Your investigation must be conducted by a trained individual and must include, but not be limited to, obtaining and reviewing the following " wet ink '' original documents or their forensic digital equivalents : complete, unredacted copy of the allegedly signed XXXX Promissory Note ( MPN ) with all schedules and riders. I demand proof this document was signed by me. I will require you to provide a forensic document authentication report conducted by a qualified XXXX, comparing the signature on the XXXX to my known signature, to verify its validity. 
The complete loan application submitted to the Department of Education for these specific loans. 
All disclosure statements provided to the alleged borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I have been the victim of serious XXXX XXXX Someone used my personal information without my consent to open accounts and initiate completely fraudulent inquiries that do not belong to me. This situation has caused great stress and worry in my personal life and is seriously affecting my financial stability. I urgently request that the following fraudulent items be blocked and removed from my credit report immediately : XXXX XXXX XXXX XXXXID Collection Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Installment Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. 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 2025-08-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has wrongly reported a XXXX late payment on my credit report. They claimed that I was late on XX/XX/year> but that is completely incorrect because I have proof of that I made a payment on XX/XX/year>. 
Theres also inaccurate information on the credit bureaus. For example XXXX shows I have no late payment on this account and that everything was paid as agreed which is the complete truth. Experian and XXXX are showing different and inaccurate reports too. Please delete this XXXX late payment from my credit report because I was never late and the information coming from XXXX is completely incorrect.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally raise a complaint regarding the recent closure of my PayPal account. My account was a personal account only, which I primarily used for legitimate purposes such as : Paying for XXXX subscriptions, Receiving family transfers from XXXX and XXXX, Sending monthly transfers to a close acquaintance, Making purchases on XXXX. 


At no point did I use this account for fraudulent activity or any purpose that would violate PayPals terms of service. I also submitted my ITIN documentation when requested, yet instead of receiving a review or explanation, my account was suddenly restricted and permanently closed without any justification. 

This action is unacceptable. As a long-time user, I deserve transparency and a clear explanation. Closing my account without providing a specific reason violates fair business practice, and it has caused me financial and personal difficulties, especially considering I relied on PayPal for everyday transactions. 

I kindly but firmly request the following : 1. A clear written explanation of the reason for my accounts closure.

2. A review of my case with all submitted documents reconsidered.

3. Immediate reinstatement of my account if no violations are found.

If I do not receive a reasonable response, I will be forced to escalate this matter further with the FCC, FTC, CFPB, consumer protection agencies, and financial authorities, as I believe my rights as a customer have been violated.

I expect your response in writing within 14 business days. 

Sincerely, XXXX XXXX  Email : XXXX Phone : XXXX ( XXXX ) XXXX Card ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have many credit inquiries as pictured and fraudulent accounts and collections on my report, I have only one vehicle XXXXXXXX XXXX and two credit cards XXXX XXXX XXXX and XXXX XXXX any others are fraudulent and not mines I do not have any late payments and excellent payment history

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have many credit inquiries as pictured and fraudulent accounts and collections on my report, I have only one vehicle XXXXXXXX XXXX and two credit cards XXXX XXXX XXXX and XXXX XXXX any others are fraudulent and not mines I do not have any late payments and excellent payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-29 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: IL

Complaint narrative:
Its come to my attention there was an identity theft from a XXXX driver that used my identity to earn on the platform. I need all of my credit bureaus checked through for this to see exactly where it is. Its compromising my working with other XXXX companies.

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