vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hi, Im disputing the closed Best Buy credit card account based on the XXXX - Consumer Protection for Medical Debt Collections Act this card was used to pay medical bills and should not be negatively reported. Please remove this from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I cancelled my CapitalOne credit card after the annual fee was charged. The fee was charged on XX/XX/XXXX. I called to cancel the card sometime in XX/XX/XXXX and asked CapitalOne to refund the annual fee. They declined. I called back later and requested a fee refund again. Customer service said they would submit a request to refund a pro-rated amount. The fee has still not been refunded in any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
Misleading advertising on XXXX XXXX discount vouchers to be able to utilize towards my XXXX ticket purchase. 

XXXX XXXX XXXX XXXX card through US Bank for {$450.00} annual fee to obtain the benefits. they specigy XXXX XXXX $ discount voucher per year towards airline ticket purchase through XXXX XXXX XXXX or though XXXX. 

I have made multiple ticket purchased. In XXXX ( {$2200.00} and XXXX for {$3500.00} ). Each time, I have been unable to utilize the XXXX XXXX discount as I am told that I do not have the voucher for use. 
When I contact XXXX, they tell me I need to talk to XXXX XXXX and vice versa. 

I have spent numerous hours on the phone to try to get this resolved. I am wanting them to stand by their benefits offer and provide me XXXX XXXX refund on my purchase. 

Requesting US bank / XXXX XXXX XXXX air to all work together to clearly provide the benfits.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
Since XX/XX/year>, every single transaction Ive made through XXXXXXXX XXXX  using my US Bank credit card has triggered a false fraud alert in the US Bank mobile app. The message always says my transaction was declined because your account could not be verified, even though the purchase is authorized, appears in my account, and clears normally. 

The most recent example was on XX/XX/year> : a {$75.00} XXXX delivery charge went through, and a {$6.00} credit was issued after delivery. On XXXX XXXX days laterI received a fraud alert in the US Bank app claiming the transaction had been declined. This happens every time I use XXXX XXXX, without fail, and despite there being no actual decline or fraud. 

I attempted to contact US Bank support through their online chat. They confirmed that they have no access to the alert system, that I would need to call their fraud department, and that there is no way to address the issue without making a phone call. 

I experience phone-related anxiety and can not use the phone to communicate. I asked to be contacted in writing, via email or secure message, and this was ignored. There is no secure messaging option available in the US Bank app or website for this card. 

This is a systemic issue : misleading alerts are being sent to customers from the US Bank app, and there is no way to stop them, report them, or even confirm they exist within customer service records. I am requesting that the CFPB investigate this behavior and require US Bank to provide accurate alerting and accessible support channels. 

Note : I spoke with a US Bank support agent via live chat but was not able to save the transcript before the session ended. I can summarize the conversation accurately and am happy to provide additional details if needed.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing once again to formally request the correction and removal of inaccurate personal information appearing on my credit report maintained by your agency. This is my second attempt, and I am disappointed that the corrections I previously submitted have not yet been reflected in my file.

As outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or incomplete information on my credit report, and your agency is legally obligated to investigate and correct any inaccuracies within 30 days of receipt.

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 2025-05-03 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: Sunnova Energy Corporation
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Untimely response
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: WA

Complaint narrative:
I received a message in the app saying my payment was due by XX/XX/XXXX, and that if I didnt pay by then, it could affect my credit score. However, its only XX/XX/XXXX, and my credit score has already dropped XXXX points. 

This is misleading and false, as I was told I had until XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/2025 EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXXXXXX XXXX XXXX XXXXXXXX ( All the XXXX  loans ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I request that the credit limit NOT be reduced as I am a business owner and need this credit limit for possible emergencies as needed as I have had this card for many years... 
My current credit score is above XXXX and work hard to maintain excellent credit scores...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I filed a dispute with Experian regarding a charged-off account from XXXX XXXX  ( Account # XXXX ). 

On XX/XX/XXXX, I submitted a formal request under 15 USC 1681i ( a ) ( 7 ) asking Experian to provide a description of their reinvestigation procedures. Over 15 days have passed, and Experian has failed to respond, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, the account reports a past-due balance ( {$760.00} ) that exceeds the original credit limit ( {$500.00} ), which was last updated in XX/XX/XXXX, even though the charge-off occurred in XX/XX/XXXX. This suggests inaccurate reporting and potential re-aging, both of which violate FCRA accuracy requirements.

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 2025-05-03 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
This was not sent in error I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. This was an an unauthorized use of my credit report. 

XX/XX/year> I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over XXXX  days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within XXXX days gives a reason to immediately remove these inaccurate items from my credit report. It has been over XXXX  days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge 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: PRONTO FINANCE INC.
State: IL

Complaint narrative:
This is a message stating that the inquiries I have here on my reports are not obtained by me, XXXX that I would gladly like for them XXXX be removed due XXXX invalid transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Money was stolen out of my Chime Bank account.They closed my account with them because I called and asked where did the money go next thing you know I was emailed saying my account was closed. So when it comes time to get my funds back because they gave me a date when they will send a check of my funds. They give me a further date. Again and again going on XXXX months now. This is sad that a company needs someone funds that bad that they will do this to a customer. After all it was only XXXX grand

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IL

Complaint narrative:
I am a victim of identity theft and to request the immediate removal of fraudulent accounts from my credit report. I did not authorize transactions listed below, and I have no knowledge of the debts associated with them. 
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  Status : Charged Off Balance : {$18000.00} These accounts were fraudulently created without my knowledge or consent. Please find enclosed the following documentation to support my identity theft claim : A copy of my government-issued passport A copy of a recent utility bill as proof of address A copy of the police report and/or FTC Identity Theft Report I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
XXXX  XXXX {$340.00} XXXX XXXX {$300.00} XXXX XXXX {$2000.00} XXXX XXXX  {$3300.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$15000.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
XXXX XXXX is reporting me late for my XX/XX/year> payment. Ive provided receipts of that payment within a timely manner which I will attach to this complaint. I just got the results of the investigation from experience and theyre not updating that to pay on time theyre still reporting me late and I am also attaching a before and after reports of investigation, they need to update this because the the payment was made, and it was made in a timely manner. Its not 30 days late. It was pay cash, and I have the receipt at the XXXX location in XXXX, despite providing proof of payment, they are not updating the information which has greatly affected my final scores and drop them a great deal.

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 2025-05-03 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Account Reporting FCRA Violation To Whom It May Concern, This letter serves as a formal and urgent dispute of inaccurate and conflicting information being reported by your agency in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Guidelines. 

The following account is being reported with factual inaccuracies : TransUnion Account Number : XXXX Date Closed : XX/XX/XXXX ( a future date clearly inaccurate and impossible ) Equifax Account Number : * XXXX Date Closed : N/A These discrepancies are in direct violation of the FCRA 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in reporting. TransUnion is reporting a future date in the Date Closed field, which violates the XXXX XXXX Format ( Field : DateClosed, Base Segment Position XXXX ) a future closure date is invalid per CDIA standards. Equifax, on the other hand, is omitting required closure data, which is incomplete and misleading, breaching XXXX XXXX accuracy and completeness standards. 

This conflict between both bureaus also triggers violation of FCRA 1681i ( a ), which mandates prompt correction or deletion of disputed information that can not be verified as accurate. 

Due to the blatant and uncorrectable nature of these inconsistencies, I am demanding the following : XXXX. IMMEDIATE REMOVAL of this account from both TransUnion and Equifax credit reports. 


XXXX. Written confirmation of removal within 15 days. 


XXXX. Updated copies of my credit reports showing the deletion. 



If the disputed data is not removed, I will escalate this matter with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and consider civil legal action under FCRA 1681n and 1681o, which allow for monetary damages, court costs, and attorney fees for willful or negligent noncompliance. 

Attached are copies of my identification and proof of address. I expect a timely and lawful resolution. Please respond through my address above by XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Trans Union File Number XXXX Date XX/XX/XXXX Equifax Confirmation # XXXX Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I am FTC Report Number : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX I recently pulled my XXXX consumer reports and notice several unauthorized inquires and many versions of my name inaccurate. My Correct name XXXX XXXX XXXX XXXX. INACCURATE NAMES XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX, XXXX XXXX XXXX. APT XXXX XXXX TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX. DAL TX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, UNAUTHORIZED INQUIRIES : XXXX  FINANCIAL XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AUTO FINANCE XXXX, XXXX  CREDIT UNION XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VIA XXXX XXXX XXXX XXXX, SAME DAY AUTO XXXX, XXXX  ACCEPT XXXX, XXXX XXXX SERV XXXX, XXXX XXXX, NXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  CREDIT XXXX, CREDIT ACCEPTANCE XXXX

Company response to consumer: Closed with non-monetary relief