vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NY

Complaint narrative:
My credit card with US Bank was cancelled out of my control in XX/XX/XXXX because the XXXXXXXX XXXX XXXX changed banks. At the time I did not realise nor was I informed that the reason I dont get monthly fees on my account is because I had a credit card. In XX/XX/XXXX I noticed that I had monthly fees charged to my account in XXXX, XXXX, and XXXX and I reached out to the bank. In previous years I had received monthly charges that were the mistake of the bank and they had reimbursed me and because this had happened before I didnt think anything of it. The bank very kindly reimbursed the charges and the upcoming XXXX one. So I thought the whole issue was sorted. 

When I went to my account recently I was very surprised to see that I had been getting charged still, every month since XX/XX/XXXX. After spending sometime on the phone with the 24 hour line, they explained that I was getting charged because I didnt have a credit card. I never wanted to cancel my credit card in the first place but it changed banks. I immediately applied for a new credit card with US Bank which I have now and the people on the 24 hour line reimbursed what they could but said that for the rest of the charges I needed to contact the bank. There are still 5 charges that have not been reimbursed. To a total charge {$74.00}. 

XXXX XXXX XXXX XXXX XXXX visiting family and have noticed theyve started charging me {$5.00} service charges a month saying my account is inactive. For an account to be deemed inactive it needs to be dormant for 6 months. This is untrue I have deposited thousands of dollars and continue to contribute. In fact I deposited {$3000.00} in XXXX of this year and was charged that fee that month and ongoing. 

This is deceitful, unlawful, and nonsensical. I have had this account for over a decade and only recently without warning these charges come up.

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 2025-07-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( XXXX  ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-14 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-14 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 has violated my rights. 

EQUIFAX 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 has violated my rights. 

EXPERIAN 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  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 generallf, 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.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Inaccurate Student Loan Information and Data Breach I am writing to report inaccuracies in my student loan information on my credit report, including errors such as unknown, no data, and has paid XXXX  % of the loan.These errors are causing harm to my credit, and I believe they are linked to a security breach involving my personal data. 

On XX/XX/year>, XXXX XXXX, CEO of XXXX and XXXX, instructed his team from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain unauthorized access to multiple internal systems within the Department of Education, including the financial aid dataset. This dataset contains personal information of millions of students, and my data was compromised during this breach. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I request a thorough investigation into these inaccuracies and a clear deletion of the incorrect information from my credit report. This breach has violated my privacy, and I urge the Consumer Financial Protection Bureau to ensure my records are corrected in accordance with federal law. 

Please confirm receipt of this request and inform me of the next steps.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I am submitting this complaint to report what I believe was an unlawful and intimidating vehicle repossession that occurred on XX/XX/scrub> XXXX XXXX  in violation of my consumer rights. 

At approximately XXXXXXXX XXXX a repossession agent arrived unannounced at my home in North Carolina and attempted to take my vehicle from my driveway. I immediately went outside and objected to the repossession, explaining to the agent that I had spoken with a Nissan representative, who confirmed that I had until XX/XX/XXXX to make a payment and that my account would remain in good standing if paid by that date. I even showed him this information on my phone and asked whether he had any documentation authorizing him to repossess my vehicle. He told me he did not have to provide any paperwork. 

He then stated that if I did not hand over my car key, he would drag the vehicle out of my driveway. I felt extremely intimidated ; he was a much larger man, it was late at night, and I was alone. As a young, recent college graduate who is unemployed and trying to manage my finances responsibly, I didnt know what to do at the moment. I was also afraid of disturbing my neighbors by causing a scene at that hour, so I compromised out of fear and embarrassment. 

I now understand that North Carolina prohibits repossessions that involve a breach of the peace, which includes ignoring a consumers verbal objection and using threats or intimidation. This experience left me shaken, confused, and feeling completely powerless. 

I am requesting that the CFPB please investigate this incident. I would also appreciate any guidance regarding my rights and what recourse I may have under federal and state law. 

Thank you for your time and for protecting consumers like me who are just trying to stay afloat and do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: PA

Complaint narrative:
I XXXX XXXX XXXX reviewed my credit report and found the following accounts to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX  Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number:XXXX  Account was open : XX/XX/XXXX Account Balance : {$1700.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was open : XXXX. XXXX, XXXX Account Balance : {$3400.00} Account Name : XXXX XXXX  Account number XXXX Account was open : XX/XX/XXXX Account Balance : {$19000.00} Hello, my name is XXXX XXXX XXXX. My current home address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I received a phone call on XX/XX/year> at XXXX XXXX XXXX  XXXX time, from XXXX. They left a voicemail stating their name was XXXX with XXXX XXXX 's office. They stated they would be serving me with paperwork that upcoming Friday between the hours of XXXX at my home address. If I was not at my home address, they would serve me at my employer. 

I called the number back, they said they represented " XXXX. '' I said that is extremely vague and is suspicious. They then said they represented " Chase '' and they gave a balance I knew was entirely inaccurate and also they gave my address that I had not lived at in 15 years. I told her that again this is very suspicious and I am contacting the actual credit card company. She told me " good luck '' and hung up. 

" XXXX '' then contacted both of my parents that same day. I called the number back today and told her that I know it's a scam and to stop calling my family. She tried to say there's no way I could contact the credit card company because they turned it over to an attorney, again this is false. The person who answers when you call the number back is " XXXX XXXX. '' This is absolutely a scam and they are impersonating a debt collection representative of Chase Bank and they are threatening to come to my home and place of employment each time they call. 

I have the voicemail they left for me, if you would like to obtain that. It is the same voicemail that was left for both of my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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

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 2025-07-14 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: AZ

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

1681c-2 ) that you, the Experian Credit 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 XXXX AZ XXXX ACCOUNTS : 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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
To Whom May Concerns I XXXX XXXX Are Writing You Concerning XXXX Driver From XXXXXXXX XXXX  Withdrawal Fund From My Cash App Card For XXXX And Then Use It For Loan From Cash App Loan I Try Dispute All Of This Above And They Denied And Closed My The Before XXXX  Day And I Had Proof It All, Cash App Need Be More Secure About There App This My Second Time Someone Have Got Hold To My Account And They Did Not Return My Money Back Thank You XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXX XXXX IL XXXX ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block 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. 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 South XXXX XXXX APT XXXX XXXX AZ XXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year>, there was a fraudulent attempt to obtain a loan from XXXX XXXX under my name. I didn't authorize it and don't recognize it. This resulted in a hat inquiry on my TransUnion credit report, which I don't recognize. I filed a fraud report with XXXX XXXX so they would be aware of this 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 2025-07-14 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:
I HAVE BEEN CONTACTING TRANSUNION FRAUD DEPARTMENT CONCERNING FRAUDULENT ACCOUNTS ON MY CREDIT FILE DUE TO IDENTITY THEFT. I HAVE SUBMITTED information about a fraudulent account opened due to identity theft, I contacted the businesses where the fraudulent accounts where opened with XXXX {$1500.00} Acct # XXXX XXXX XXXX  XXXX {$1400.00} ACCT XXXX XXXX * * #. XXXX {$0.00} ACCT # XXXX XXXXXXXX XXXX {$590.00} ACCT # XXXX XXXX XXXX XXXX {$320.00} ACCT # XXXX XXXX. XXXX {$630.00} ACCT # XXXX XXXX {$100.00} ACCT # XXXX. 


XXXX {$0.00} ACCT # XXXX and XXXXXXXX XXXX {$590.00} ACCT # XXXX have the same account number! This is illegal to report two of the same FRAUDULENT ACCOUNTS.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

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

1681c-2 ) that you, the Experian Credit XXXX , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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