vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had a checking account with US Bank for over 15 years. This morning I tried to access my account and online banking had no information about my account as if it never existed. It was gone the balance was gone. The history was gone everything about my account was gone. Theres no email theres no text. Theres no nothing to me from US Bank stating why this happened. I called and was told it was closed by a department that I could not talk to because they dont talk to people and that I should go into my nearest bank and ask for a bank manager to help me. I went to a bank. There was no bank manager in no one really to help me except an auditor which pulled up my account and gave me the same information I already knew. Which was that it was closed, but no one seems to know why. He stated it may have had fraudulent activity on it, but as the consumer I was not contacted Regarding this. Now I have to do without any money until I receive the cashiers check in the mail, and then once I put the cashiers check into another account, itll have a hold on it again, all my debts that are coming out to be paid can not be paid. They cant even be paid by a different account because I dont have any money to put into a different account. I am supposed to get my Social Security next week. I am supposed to be paid tomorrow direct deposit all of these things are messed up now because this company decided they would just arbitrarily close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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 2025-06-05 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: OH

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : 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 XXXX, OH XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime financial closed my account with no warning, when I asked why all they could tell me was that i violated a policy. they didnt tell me which policy or give me any information, and they said im not eligible for a refund check and are keeping my money. i need my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The only way a creditor can treat a payment as late falls under XXXX U.S. CXXXX  XXXXb - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under XXXX USC XXXX ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
XXXX USC XXXX ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule XXXX the documents that shows proof that the information pursuant section XXXX USC XXXX and XXXX ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section XXXX USC XXXX ( 2 ) XXXX and XXXX USC XXXX & XXXX ( b ). 
If you can not provide the proof of the mailing or delivery of the information required by section XXXX you can not treat a payment as late which means you have also violated section XXXX USC XXXX. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section XXXXB of the Fair Credit Reporting Act ( XXXX U.S.C. XXXXXXXX ( a ) ), please block and delete them within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2025-06-05 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DigniFi
State: IA

Complaint narrative:
Once again shows was taken care of on previous info I received. Dignify still hasnt posted the payment I made on XX/XX/year>. It posted XX/XX/year>. Company shows I didnt pay. Have emailed info at least XXXX times. Called again yesterday. ( Probably my XXXX call ). Now I need to make copies of my personal bank statement. Not just the transaction but an entire page of my bank statement. I have paid this. At least XXXX hours of my life is lost because of these idiots. I need to fax all kinds of XXXX. I have no fax or printer so I have to go to an office supply store. Print off statements and fax that to them. So this whole mess is going to cost me say XXXX hours of my life I dont have. Also XXXX be paying to use a printer & fax machine. This isnt my fault. Its theirs. They should be doing all the work not me. They have the approved transaction Ive sent XXXX. Have the feeling Im going to be spending more time that I dont have on this. Oh and if you want a manager they dont employee managers. Just supervising. A half a dozen here or their. Supervisors are worthless. No info on how to contact management or corporate office. This will not go very well when Im done with this. For them. Would have been paid off XX/XX/year> but they wont even tell me how much I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Whom It May Concern, I XXXX XXXX XXXX writing to formally dispute XXXX late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX XXXX XXXX XX/XX/year> Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 [ 15 U.S.C. 1681i ] and 605 [ 15 U.S.C. 1681c such as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 


Sincerely, 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 2025-06-05 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: FL

Complaint narrative:
Whom It May Concern, I XXXX XXXX XXXX writing to formally dispute XXXX late payments that appear on my consumer credit report associated with the following account : Account Name : XXXX XXXX XXXX XX/XX/year> Upon reviewing my credit file, I noticed these reported late payments ; however, I can confirm that I have never made a late payment on this account. I have consistently paid this account on time and have records to verify my payment history. As outlined under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 [ 15 U.S.C. 1681i ] and 605 [ 15 U.S.C. 1681c such as billing statements or payment recordsshowing that I was indeed late on the reported dates. If you are unable to substantiate the claim with sufficient evidence, I respectfully demand that these incorrect late payments be removed or updated to reflect an on-time payment status immediately, as accuracy in consumer reporting is not only your responsibility but a legal obligation. Please confirm in writing that you have received this dispute and provide the results of your investigation within 30 days as required by the FCRA. Thank you for your attention to this matter. I look forward to your prompt resolution. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I presume that there is no proof of the alleged debt, therefore any such debt exists. This has been a strain on my life financially and mentally. These debts are completely inaccurate and not confirmed 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 2025-06-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 U.S. CXXXX XXXXe ) 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 2025-06-05 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: CA

Complaint narrative:
b"Please remove the following items:-\n\nADDRESSES:-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 XXXXXXXX had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-05 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: CA

Complaint narrative:
b"Please remove the following items:-\n\nADDRESSES:-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 XXXXXXXX had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-05 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: Webcollex, LLC
State: FL

Complaint narrative:
Collections acct inaccurate no knowledge of this card XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
Subject : Medical Debt Wrongfully Sent to Collections Despite Active Payment Plan Provider Name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Collection Contact : XXXX XXXX I am filing a complaint because my medical account with XXXX XXXXXXXX was wrongfully sent to collections despite my being on an active, agreed-upon payment plan with no missed payments. 

All payments have been made on time, including the most recent payment on XX/XX/year>, which was drafted from my bank account as scheduled. On that same day my account had been referred to collections per the collection agency representative ( XXXX XXXXaccording to her a manager ) When I contacted XXXX  XXXXXXXX XXXX billing department, I was told that their system managing payment plans does not properly communicate with their internal collections system. This system failure appears to be the reason my account was flagged and sent to collectionsdespite my compliance with the agreed payment terms. 

This breakdown in their internal communication resulted in : No prior notice or warning to me that the account was at risk of being referred. 
My credit potentially being affected without just cause. 
Conflicting and inconsistent information from XXXX XXXX representatives each time Ive called to inquire about my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: VA

Complaint narrative:
. My cash app account was compromised by hackers. I quickly contacted Cash app support and they investigated my claim and my claim was found in my favor my email from cash app investigator support. They stated they secured my account and I opened a new cash app. I then called to have my balance of {$1.00}, XXXX transferred to my new cash app account from my closed previous cash app account but this request was escalated to cash app Manager XXXX as the call center reps could not transfer as mu previous account was already deleted when they found my account was indeed actually compromised. I have been going back and forth with Cash support manager XXXX for nearly a week with no results. 20 emails now back and forth with multiple emails requesting the same information over and over again. I gave absolutely sent in everything they requested and verified my identity multiple times and verified ownership of previous and current cash app accounts multiple times with no results. Cash app management/ support will not transfer my {$1000.00} to my new cash app account. Please help me retrieve my funds from cash app.

Company response to consumer: Closed with explanation