vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I deposited {$3300.00} cash through an ATM at the US Bank XXXX XXXX location. Everything was fine and I even received the receipt for this transaction. When I got home, the deposit was pending for while then got reversed. I called the US bank customer service to file a claim and they said to call back 1-2 days to follow up. After 2 days, the transaction disappeared completely on my account. I called them again and they said I have to wait 10 days for them to investigate. I rely on this deposit to pay mortgage, bills and living expense include gas and foods until I can get paid in the end of May. I can not wait this long for the mistake from their end. If the receipt showing my deposit transaction, would that be enough for them to be responsible to give me back my money to my account? What is the purpose of proving the receipt? Now that my mortgage and bills are past due, I will be charged for late fees and who is going to pay for that because all money I have, already disappeared to the bank. And the electric and water will be shut off. My kid and I need money for foods and gas. I desperately asked them to expertise the process because I am in a difficult financial situation. I do not know why I have to beg when it is my money that I worked hard for. They hold my money unreasonably. Please help out!

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 2025-04-30 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: NV

Complaint narrative:
Upon reviewing my consumer report, I noticed two unknown accounts listed on my report. Both the accounts seem to be simultaneously opened around the same time just different years. These accounts are both acts of fraud, and I contacted the creditors in regard to this matter.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a legal-registered small business in California and XXXX an American express XXXX XXXX credit since XXXX. The card offers 2 % points back on every purchase. Today ( XX/XX/XXXX ) the company abruptly canceled my account quoting " misuse '' and took away my XXXX membership points saved through many years. I never have any late payment and do not have any debt on the card. American Express refuses to give reason what kind of misuse and refuse to allow me to transfer or redeem point. The company behaves like a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery ( PORTFOLIO RECOV ) that appear to violate the 7 calls in 7 days rule under the FDCPA : Call Dates and Counts XXXX XXXX  : 1 call XXXX : 1 call XXXX  : 1 call XXXX : 1 call XXXX  : 1 call XXXX : 1 call XXXX : 1 call XXXX  : 1 call Thats 8 calls over 8 consecutive days, which is 1 more than the 7-call limit over 7 days for a single debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I called Milestone in order to report and close the fraudulent account opened in my name on XX/XX/scrub>XXXX XXXX XXXX  Their fraud department did confirm that they would be closing the account and put it under investigation when I spoke to them on XXXX XXXX XXXX  but I was told that the outcome of the investigation would determine whether or not I would be held liable for the {$710.00} balance that was accrued on the card. After getting off of the phone with Milestone, I proceeded to file my identity theft though the Federal Trade Commission website. One of the Recovery Steps said " Ask them to close the fraudulent account and send you a letter confirming that : the fraudulent account is not yours, you aren't liable for the account, it was removed from your credit report. '' And proceeded to ask if I was able to resolve the problem on the phone, to which I selected " no, I need to send a dispute letter '' since they did not confirm that I would not be held liable or that the information would be removed from my credit report. I then went to fill out the follow-up letter for Milestone, and at the bottom, it requires the account number which I did not think to request on the initial call. I then called them back, explained the situation and what I need the account number for, and was repeatedly told that I could not gain that information and all I need is the card number if I need to reset my login information through them to get the account number. I have not received a card from them, and I do not have the log in for the account because I did not open the account. When I asked if I could request a new card if I still haven't received one to begin with in the next several days just so that I can reset the log in and get the account number for the follow-up letter, I was simply told again that they could not disclose the account number to me over the phone and to log in to their website with the card number, to which I simply told the man that I heard him the first time and hung up because the conversation was clearly going nowhere. I was even asked to clarify what I meant by " FTC '', and when I told the man ( who's name I couldn't understand ) I meant the Federal Trade Commission, I was told that I didn't need the account number for their form, to which I replied " Not according to the Federal Trade Commission ; they say it's required. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CA

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Experian credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The XXXX fraudulent hard inquiries are XXXX XXXX  Inquired on XXXX / XXXX XXXX XXXX Inquired on XXXX / XXXX XXXX Inquired on XXXX / XXXX XXXX XXXX on XXXX / XXXXXXXX XXXX XXXX Inquired on XXXX on my Experian report. I demand that these five inquiries be removed from my record in accordance with my rights under the FCRA and FDCPA laws Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and 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 2025-04-30 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I discovered an inaccurate account ( Account # XXXX XXXX XXXXXXXX. -- XXXX ) reported by Portfolio Recovery Associates , LLC on my credit report. I requested debt validation from Portfolio Recovery Associates , LLC on XX/XX/year>, but they failed to provide legally required documentation, such as a signed contract or proof of ownership. Instead, they only sent a generic credit card statement, which does not prove I owe this debt. 

The credit bureaus ( XXXX XXXX XXXX  ) continue to report this account despite my disputes, violating the Fair Credit Reporting Act ( FCRA ). Under FCRA 1681i, they must investigate and remove unverified information. The collectors failure to validate the debt also violates FDCPA 1692g. 

Desired Resolution : The credit bureaus must immediately delete this account from my credit reports. 

Portfolio Recovery Associates , LLC must confirm in writing that they will cease reporting this unvalidated debt. 

The CFPB should investigate this entity for systemic violations of federal law. 

Dates : First noticed the problem : XX/XX/year> Disputed with the credit bureau ( XXXX ) : XX/XX/year> Disputed with the company : XX/XX/year> Company Details : Company name : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXXXXXX, XXXX, VA XXXX Account number : XXXX XXXX XXXX. -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-01 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-01 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: GA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-04-30 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ). Please provide validating documents. The date of last activity is reporting different among all 3 reports. Please conduct a reasonable investigation. This is inaccurate and must be removed immediately.

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 2025-04-30 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:
In XXXX, my personal data was compromised during the Equifax data breach. Since then, fraudulent accounts, unauthorized hard inquiries, and incorrect personal information have repeatedly appeared on my credit reports across Equifax, Experian, and TransUnion. 

I have taken all proper steps to resolve this : Filed a full identity theft report via IdentityTheft.gov ( XXXX XXXX XXXX XXXX  ) Submitted written disputes with supporting documentation Filed prior complaints with the CFPB Had items previously removed, only for them to be reinserted without required advance notice, violating FCRA 605B ( c ) Despite this, the bureaus continue to report inaccurate and fraudulent data. I have already verified my identity and submitted all required documentation. I do not consent to further reinvestigation or reinsertion. I am demanding that : All disputed and fraudulent information be permanently removed within 3 business days There be no reinsertion of any removed item, in accordance with federal law All affected credit reports be corrected and reissued This ongoing mishandling has resulted in denials, credit damage, and financial harm. I am asking the CFPB to enforce my rights under FCRA 605B and 611, and hold the bureaus accountable for noncompliance.

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 2025-04-30 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: TX

Complaint narrative:
In XXXX, my personal data was compromised during the Equifax data breach. Since then, fraudulent accounts, unauthorized hard inquiries, and incorrect personal information have repeatedly appeared on my credit reports across Equifax, Experian, and TransUnion. 

I have taken all proper steps to resolve this : Filed a full identity theft report via IdentityTheft.gov ( XXXX XXXX XXXX XXXX  ) Submitted written disputes with supporting documentation Filed prior complaints with the CFPB Had items previously removed, only for them to be reinserted without required advance notice, violating FCRA 605B ( c ) Despite this, the bureaus continue to report inaccurate and fraudulent data. I have already verified my identity and submitted all required documentation. I do not consent to further reinvestigation or reinsertion. I am demanding that : All disputed and fraudulent information be permanently removed within 3 business days There be no reinsertion of any removed item, in accordance with federal law All affected credit reports be corrected and reissued This ongoing mishandling has resulted in denials, credit damage, and financial harm. I am asking the CFPB to enforce my rights under FCRA 605B and 611, and hold the bureaus accountable for noncompliance.

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 2025-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My original loan was with XXXX XXXX they sold to Wells Fargo. I have never needed flood insurance. so, they were paying for flood insurance. I have paid my loan back except for the last payment in the amt. of {$100.00}. I was instructed to not pay that because it is included in what they say I owe. I want to make several months of payment of the {$3000.00}. until I can pay the balance off. I spoke to someone between XX/XX/year> and XX/XX/year> and was told that I could make arrangements. In XXXX I did speak to someone and was told to call back in XXXX I could make arrangement then. I spoke to someone on this day XX/XX/year> and was told I have to complete an application. I mentioned that all I owe on my loan {$100.00}, and these charges were not part of my loan. I am XXXX yrs old on fixed income. This the reason I would like to make payments until I could pay off in lump sum. I do not want to give them permission to my IRS information.

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