vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
U.S. Bank implemented material changes to my checking account, including changes to the monthly maintenance fee and the requirements to waive that fee. 

These changes were not clearly or prominently disclosed to me in advance. I later learned that U.S. Bank considers the disclosure to have been made only by embedding a brief notice within a monthly account statement. 

This method of disclosure is inadequate and unreasonable. Monthly statements are primarily intended to report balances and transaction activity, not to serve as effective notice of material adverse changes to account terms. Embedding such changes within a statement does not provide clear and conspicuous notice and does not give consumers a meaningful opportunity to adjust account behavior to avoid new fees. 

As a result, I was charged fees under revised terms without proper notice. 

I am concerned that this disclosure method represents a broader practice rather than an isolated incident. Implementing material fee and waiver changes while relying on passive disclosure within account statements may prevent consumers from being adequately informed and may raise concerns under consumer protection standards, including unfair or deceptive practices.

I am submitting this complaint to request regulatory review of U.S. Banks disclosure practices related to checking account fee changes.

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 2025-12-26 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: MD

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 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 2025-12-26 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: NJ

Complaint narrative:
I dispute this record in its entirety, including any accounts, tradelines, or public records reported as part of or associated with any bankruptcy. This information is inaccurate and is the result of identity theft and/or other fraudulent activity. After a careful review of my consumer report, I can state with certainty that I did not authorize, open, participate in, or benefit from the accounts, obligations, or transactions described, nor was I involved in any bankruptcy proceedings related to these accounts. The use of my personal identifying information in connection with these accounts and any associated bankruptcy reporting was unauthorized and appears to be fraudulent. As such, the reporting of these items is inaccurate, misleading, and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I was scammed for {$300.00} on XXXX  in XXXX of XXXX  by a merchant who took my money and told me not to mark it as a business purchase.

I disputed with my bank. The bank closed the dispute. 
XXXX  refuses to close the dispute and return the money. They have been holding onto the money since XX/XX/year>. They claim they cant close it until the bank notifies them they the bank has closed the dispute. I have called the bank numerous times they claim they have called XXXX  and closed it. I have also submitted the letters from the bank stating the dispute is closed to XXXX  multiple times. XXXX  denies this. XXXX  then promised the dispute would be closed XXXX. I called them again XXXX they claim they can not close it until they hear from the bank. They have removed the transaction from my XXXX  history but have not returned the money. Nor does my XXXX  account show an active dispute. XXXX  has now hung up on me several times over the phone and refuse to respond to my emails

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by FAIR COLLECTION in violation of the Fair Credit Reporting Act ( FCRA ).

FAIR COLLECTION is reporting a derogatory tradeline on my credit report with the status listed as Collection / Charge-Off and a balance of {$9300.00}. The account contains multiple material inaccuracies and incomplete information that can not be reasonably verified.

Most notably, the tradeline lists a Reported date of XX/XX/year>, which is a future date. Credit reporting information must be accurate and current. A future reporting date is factually impossible and renders the tradeline inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Additionally, FAIR COLLECTION is reporting the account as both a collection and a charge-off. A charge-off may only be reported by the original creditor. FAIR COLLECTION is a third-party collection agency and has not demonstrated that it is the original creditor or otherwise authorized to report a charge-off status. This dual status is misleading and materially inaccurate.

The tradeline is also incomplete, with required fields such as last payment date, monthly payment, loan type, and loan term left blank. Reporting materially incomplete information violates FCRA 623 ( a ) ( 2 ) and makes the account unverifiable as reported.

I previously disputed this account, and the credit bureau responded with a generic statement that the account meets FCRA requirements. However, no explanation was provided as to how a future reporting date or improper charge-off designation could be verified. A boilerplate response does not satisfy the requirement for a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ).

Because the information reported is inaccurate, incomplete, and internally inconsistent, it should be deleted or fully corrected. FAIR COLLECTION has failed to meet its obligations under the 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 non-monetary relief
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
Few weeks ago, I personally submitted dispute letters directly to all three credit reporting agencies regarding inaccurate information appearing on my credit report. These inaccuracies fall under the reporting and investigation requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which obligate the credit bureaus to conduct a reasonable investigation and correct any inaccurate reporting. I have since received responses indicating that my disputes may have been submitted through a third-party service. This is incorrect. I am the sole author and sender of these disputes and did not use or authorize any credit repair organization, representative, or outside entity to act on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
The {$15.00} fees were presented as in lieu of the yearly annual fee and started on XX/XX/XXXX the account was opened XX/XX/XXXX The agent does not have my signature anything I asked - this company has misrepresented themselves with these fees.

I asked again for a document to be sent with my signature of agreement to the {$15.00} fees a month and {$120.00}

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 2025-12-26 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:
These accounts arent associated with me, and I didnt authorize them. Kindly look into this and clear them from my record. Documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( Midland has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. Under 15USC1666 B, a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX shady XXXX XXXX XXXX [ Holiday, FL, XXXX ] [ XXXX ] [ Phone Number optional ] Date : [ XX/XX/year> ] Via Certified Mail / Return Receipt Requested [ LVNV Funding LLC ] [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, SC, XXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ( Credit XXXX ) ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AL

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved.

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
US bank is infrequently hanging onto my U.S. Mail payments by my checking account. They illegally charged me {$41.00}, which is exorbitant on its face, although I mailed my payment of {$300.00} on XX/XX/year> but US bank hung onto the check until XX/XX/year>, in an illegal effort to generate fees.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year> a chase business checking account # XXXX was opened online with a promotional offer for {$500.00} after depositing {$10000.00} for 60 days and using the debit card 5 times. The award ( {$500.00} ) was to be deposited 15 days after the minimum 60 threshold. When clicking on OPEN ACCOUNT ONLINE button a link to application page is open that explicity states with a green checkmark WE'RE APPYING YOUR OFFER. 

On XX/XX/year> the acount was funded with the {$10000.00} and the debit card was used five times on XX/XX/year>. The award was never ( and still not as of XX/XX/year> ) deposited in the account as promised within the timeframe advertised. When calling into Chase customer service to inquire about the missing bonus it was confirmed that all conditions were met but the bonus code was never applied. No code was ever sent seperately or directions to manually enter code. Chase website explicitly states that offer is applied when clicking on online application button. Customer service was unable to fix issue and scheduled another department to call. When the secondary department called the representative again falsly stated that a code was not applied and therefore bonus would not be given. When told that anyone can simply go onto a computer and phone and see that website claims offer is applied when filling out online application AUTOMATICALLY and no directions to enter code given, representive then said that consideration to provide bonus would be given if screenshots were provided in response to an email from Chase. The email to respond with screenshots to prove how to Chase Bank how Chase Banks webiste works was never sent however.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My mortgage statement went from {$3300.00} to {$4900.00} due to the company incorrectly billing and now I have to pay to fix their screw up. Payment went up {$1600.00} at once. I filed for homestead exemption for my property.

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 2025-12-26 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: NC

Complaint narrative:
Would you examine this entry? It seems delayed and possibly mistaken.

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 2025-12-26 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief