vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against US Bank due to repeated online banking access issues, an unreasonable password policy that perpetuates lockouts, and customer services failure to provide a timely resolution. 

Issue Summary : On XX/XX/XXXX, I was locked out of my US Bank online account. 
When attempting to log in, I received an error message stating I was locked out for 24 hours.

I contacted US Banks customer service, was given a special number to call, and expected proper escalation.

Instead, the representative repeated the same troubleshooting steps, arriving at the same error message, wasting 24 minutes of my time.

The representative attempted to blame my device and internet connection, despite the issue clearly being on US Banks end.

Only after insisting, a case was finally filed, but I was told it would take 3 days to resolve, contradicting the " 24-hour lockout '' message.

Unreasonable Password Policy Creates Perpetual Lockouts US Bank does not allow customers to reuse any previous password, ever.

This policy forces customers to create entirely new passwords every time they are locked out. 
This increases the likelihood of failed login attempts and repeated lockouts. 
Most banks have a reasonable last 5 passwords policy. US Banks policy is excessive and leads to unnecessary customer hardship.

Why This is Unacceptable : US Banks system is locking customers out without proper resolution.

Customer service is ineffective and waste
s time instead of escalating issues properly.

The delay in resolution ( A 3 days case vs. standard 24 hours ) is unacceptable.

The inability to reuse any past password perpetuates lockouts and is a major inconvenience.

Blaming customers ' devices instead of acknowledging a flawed system is deceptive.

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 2025-03-18 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: TX

Complaint narrative:
Good morning! After reviewing my credit report for the past year, I noticed that there's repeat cases of late payments on an account that I have always maintained timely payments on. Consumer reporting Agencies play a vital role in accurately reporting consumer information. This information must be reported with utmost accuracy. I've always maintained my payments for the following account XXXX XXXX XXXX  [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to provide such proof, I demand that these payments be promptly updated to their true status as on-time, as I have consistently upheld my payment obligations without delay

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name :XX/XX/XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name XX/XX/XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : THE XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX ExperianXX/XX/XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXXXX/XX/XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-03-18 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I desire accurate, updated records reflecting my on-time payments for those accounts. I sincerely hope such discrepancies won't recur.

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 2025-03-18 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: WI

Complaint narrative:
I am filing this complaint under FCRA 605B ( 15 USC 1681c-2 ) to request that EQUIFAX block fraudulent information appearing on my credit report. These accounts resulted from identity theft, the Equifax data breach, and fraud and must be removed within four ( 4 ) business days of receiving this request.

The fraudulent accounts and inquiries include : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this inaccurate information from my credit report. 
2. Request for Account Blocking and Deletion Due to Data Breach EMERGENCY MEDICINE SPECIALIS Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the FCRA/FDCPA by providing inaccurate information.

3. Request for Account Blocking and Deletion Due to Data Breach 06 XXXX  Account Number : XXXX Please Delete this account. The account statuses do not match on each bureau. The bureaus are violating the XXXX by providing inaccurate information. 

I DO NOT recognize these accounts, collections, or inquiries. They were not opened, authorized, or initiated by me and are causing inaccurate reporting on my consumer FICO credit report. 
As proof, I have attached my FTC Identity Theft Report. I expect XXXX to comply with the Fair Credit Reporting Act ( FCRA ) and immediately block these fraudulent items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank is not allowing me to transfer funds from my business account to an external business accounts. They are also not allowing transfer from to personal inhouse accounts.

I have called 4 times and spoke with multiple representatives including supervisors. I have spent hours on the phone.I have been left on " Hold '' for over 10 minutes until I hang up " No Call Backs ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: IL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding Experians failure to follow federal law and protocol under the Fair Credit Reporting Act ( FCRA ) regarding my identity theft dispute. Despite submitting a valid FTC Identity Theft Report, along with a copy of my drivers license and a utility bill, Experian wrongfully verified fraudulent accounts that should have been immediately deleted as per FCRA Section 605B. 

Background of the Identity Theft I am a victim of identity theft and have provided all required documentation to support my claim. The following fraudulent accounts were illegally opened in my name and must be removed immediately : 1. XXXX XXXX XXXX XXXX XXXX XXXX Funding Account Number : Amount : {$1500.00} 2. XXXX XXXX XXXX XXXX XXXX Bank Account Number : Amount : {$1100.00} 3. XXXX XXXX XXXX ( Auto Loan or Lease ) Account Number : Amount : {$610.00} XXXX. XXXX XXXX XXXX XXXX Account Number : Amount : {$10000.00} 5. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account Number : Amount : {$630.00} Experians Noncompliance with FCRA Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), credit bureaus must block and remove fraudulent accounts immediately after receiving an FTC Identity Theft Report, government-issued ID, and proof of residence. However, despite my full compliance, Experian wrongfully verified these accounts without a legitimate basis, which is a direct violation of federal consumer protection laws. 

Attachments Included for Verification : FTC Identity Theft Report ( Report Number : XXXX ) Copy of my government-issued ID Copy of utility bill for proof of residency Previous dispute submission to Experian Experians wrongful verification response Final Notice & Legal Action Warning If Experian fails to comply within 5 days, I will escalate this matter with legal action for violations of the FCRA and Identity Theft Deterrence Act. I will also pursue damages for financial harm caused by their failure to follow federal law. 

I expect an immediate response and full resolution of this matter without delay.

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 2025-03-18 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: GA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit reports. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S. Code 1681c-2 ) and demand the immediate blocking and deletion of all the fraudulent items listed below. According to FCRA Section 605B, it is illegal to report any unauthorized information on my credit report without my consent. The following accounts, credit inquiries, employers, phone numbers, and addresses were fraudulently added to my credit profile and must be removed immediately : Fraudulent Credit Accounts & Unauthorized Inquiries to Be Deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX Account ending in XXXX Opened : 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 explanation
Consumer complaint received 2025-03-18 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:
Hello how are you. 

Experian is stating that I XXXX XXXX have 3 additional accounts with XXXX  XXXX Crefdit cards.I disputed these accounts with Experian and I was my disputes were investigated and that the 3 accounts would not be removed. I have called XXXX XXXX on diff occasions today alone ive done about 4 diff calls XX/XX/2025. They state that with my social only one account show up. Neither company is helping me and now Experian has lowered my score over 100 points.

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 2025-03-18 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: IL

Complaint narrative:
A Hard credit card inquiry from XXXX XXXX was made on XX/XX/2025, XXXX XXXX was contacted XX/XX/2025 via phone, I spoke with a representation ( XXXX ) who was unable to send any confirmation or documentation the credit card application was marked for review of fraudulent activity nor the ability to check the status of my dispute. No information was given about the unauthorized inquiry despite providing SSN, Address, Name and Email Address to the representative. Overall the process left me feeling as though I could not trust XXXX XXXX to handle the issues properly.

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 2025-03-18 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: IL

Complaint narrative:
A Hard credit card inquiry from XXXX XXXX was made on XX/XX/2025, XXXX XXXX was contacted XX/XX/2025 via phone, I spoke with a representation ( XXXX ) who was unable to send any confirmation or documentation the credit card application was marked for review of fraudulent activity nor the ability to check the status of my dispute. No information was given about the unauthorized inquiry despite providing SSN, Address, Name and Email Address to the representative. Overall the process left me feeling as though I could not trust XXXX XXXX to handle the issues properly.

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 2025-03-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I kindly request that you investigate this matter under the requirements of the FCRA and either correct or remove the inaccurate information from my credit report. Please notify me of the results of your investigation and provide me with a corrected copy of my credit report once the errors have been addressed.

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company 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 2025-03-18 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: VA

Complaint narrative:
Per the below email from Koalafi a predatory lending company - I have paid for the four tires I've bought already which was {$1200.00}. I had no idea that they are charging me almost XXXX % interest. They have very deceptive lending practices. 
____________________________________________________________ Congratulations on your new {$1400.00} XXXX lease with Koalafi for your XXXX purchase. Use this link to see a summary of your terms, contract, and lease ownership costs : XXXX XXXX XXXX For your records, your lease will consist of the following terms : XXXX Payment Option : {$1600.00}, as long as you pay off within XXXX days Lease Amount ( excluding tax ) : {$1400.00} Initial Payment : {$49.00} Initial Payment Tax : {$2.00} Payment Frequency : Every other Week # Remaining Scheduled Payments to Acquire Ownership : XXXX Payments XXXX : {$120.00} Last Payment : {$120.00} Total Cost of Ownership : {$3300.00}, if you don't pay off early

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: OH

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief