vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I got a notification on XX/XX/XXXX at XXXX that I tried to get a new card, I declined that I did but then saw my account was restricted. I told them nothing is going on and they said they are closing the account. I have money in account, my paycheck and my XXXX  XXXX payment all going to this account on XXXX XXXX now they are saying they can't give my money to me. I have no money at all but in that account. and they won't give me my money. I am overly 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 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 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:
Please go through the provided content ; the inquiries were submitted without prior notice and may be unapproved.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MN

Complaint narrative:
U.S. Bank allowed {$1900.00} of fraudulent charges to knowingly take place on my business checking account. 

I had signed up for XXXX ads for my business on XX/XX/2025, using payment from my business checking account debit card. I was skeptical of XXXX ads, so I kept an eye on ads. 

First payment of {$2.00} on XX/XX/2025 was legitimate. This was how XXXX confirmed the card. ALL other charges from XXXX ads are fraudulent. 

On XX/XX/2025, I noticed 21 PENDING fraudulent charges on my card totaling {$520.00}. 

On XX/XX/2025 I called U.S. Bank 's fraud department to report the PENDING fraudulent charges on my card. U.S. Bank 's fraud department TOLD me that the charges must fully go through to make a claim of fraud on the account. They did not offer me any other option than to allow the fraud to fully go through, as opposed to canceling the transactions.

Fraud continued on the card. I called again on XX/XX/2025. They gave me the same answer. 

My account balance on XX/XX/2025 was {$1200.00}. When my account was closed, after U.S. Bank had declined my request to close the card and report fraudulent activity XX/XX/2025, my balance was - {$770.00}. This includes overdraft fees. 

U.S. Bank 100 % knowingly allowed {$1900.00} of fraud to occur on my account, and THEN attack my credit with the missing balance from the account. 

I have bank statements and an official police 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 explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I am submitting this dispute to resolve discrepancies on my credit report. The following accounts are being disputed based on incorrect reporting of the status and other related issues. Please review the information below : Charged Off Accounts : XXXX  XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$270000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Today, I discovered that an account was reported to XXXX using my personal information without my authorization. The account was reported on XX/XX/year> by XXXX XXXX. I did not apply for a loan, did not contact this company, and have never had any relationship with them. This appears to be the result of identity theft or fraud. 

The reporting companys contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX This fraudulent account has appeared on my credit report and is negatively affecting my credit profile. I am requesting that it be investigated and permanently removed from XXXX and all credit reporting agencies.

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 2025-12-23 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:
Unauthorized accounts are being reported on my credit report under my name without my permission or knowledge. 
I have never authorized or managed these accounts, making this situation entirely unacceptable. 
It introduces inaccurate and misleading information into my financial history. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern.

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 2025-12-23 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: AZ

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 15 USC 1681b 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 ( 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.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/2025, an ATM withdrawal in the amount of {$100.00} was made from my checking account without my authorization, along with a {$2.00} ATM withdrawal fee. I did not perform the transaction, did not provide my debit card or PIN to anyone, and did not receive the funds. 

I reported the unauthorized transaction and filed my first dispute with Chime on XX/XX/2025. After that claim was denied, I filed a second dispute on XX/XX/2025. In both disputes, I explained that the ATM withdrawal was unauthorized. 

During my communications with Chime, I stated that my debit card was not stolen or lost and that I have remained in possession of the card at all times, including before and after the disputed transaction. 

As part of my appeal, I provided evidence showing that I was not in the area where the ATM transaction occurred at the time of the withdrawal and that the transaction was outside of my normal usage and transaction patterns. I also requested clarification on how authorization was determined.

Despite this, Chime denied the claim a second time and did not provide specific evidence demonstrating that I authorized or benefited from the transaction.

I am requesting reimbursement of the {$100.00} unauthorized ATM withdrawal, the associated {$2.00} fee, and a clear explanation of the evidence used to deny my claim, as required under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am submitting a complaint regarding a material change to my credit card account that has resulted in a significant devaluation of rewards, which has been presented as an upgrade. 
My Elan XXXX XXXX XXXX XXXX XXXX XXXX card is being automatically converted to a XXXX  XXXX XXXX Cash Preferred card. As part of this change, the redemption value of existing rewards points is being reduced from {$100.00} per XXXX points to {$75.00} per XXXX points, a 25 % loss in value on rewards already earned. 
I contacted Elan XXXX XXXX to inquire about alternatives, retention options, or any form of transition accommodation and was informed that no options are available. 
I believe this change has not been communicated transparently and that describing a clear reduction in rewards value as an upgrade is misleading. I am requesting a written explanation of this decision, clarification regarding how existing rewards are being treated, and whether any retention or transition remedies are available for affected cardholders. 
I am a long-term, responsible cardholder with strong credit, and I am seeking fair treatment and transparency.

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 2025-12-23 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I made a purchase on my Apple Credit card on XXXX for the amount of {$29.00}. I was immediately charged {$38.00} from the company- an online company called XXXX. I contacted Apple to report it and submitted proof of the discrepancy. After an investigation, I was denied the adjustment and told I didnt submit proof. The dispute was reopened and I again submitted proof. I had numerous phone calls and online chats with Apple about this situation and kept submitting the same proof. In the meantime, the item did not arrive, I opened another dispute for the entire amount at this time- {$38.00} due to the item not coming. The tracking of the item has not moved since XXXX and when I contacted the company via email on XX/XX/year> about it. They said they would send another one. A new tracking never came and the item has not appeared. I have had more attempts to talk to Apple about this, I submitted the same proof again and the most recent conversation today was that the {$8.00} was denied again even though the supervisor could not tell me and admitted the proof was in my favor. This supervisor opened the case again for the {$38.00} and I once again submitted the same proof. I feel that I should not have to keep fighting this charge- I was overcharged and now received no item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: WI

Complaint narrative:
I repaid my cashapp loan a day earlier, and then I checked out another loan same day. What happened was when I repaid I dont know I believe the system glitched, and didnt show that I paid it. Even after showing them proof they still ignored, and said I had to pay it back. They didnt acknowledge that it was paid back, however they did let me get a new loan based off me paying it back same day. They only let you get out other loans if you paid back the part of the loan. However they didnt acknowledge that I paid it back it didnt show up on their side. However it did show up as I paid on my side and got out loan new.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an alleged account that is being reported on my credit report as a collection account associated with your company. 

Original Creditor : XXXX Reported Collection Agency : CREDIT CONTROL , LLC Account Number : XXXX Reported Balance : {$3000.00} I recently contacted CREDIT CONTROL , LLC regarding this account, and they stated that they * do not own the debt * and instructed me to contact XXXX directly. At this time, I do not recognize this account and have no knowledge of opening or owing this alleged obligation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide the following : 1. Proof that this account belongs to me 2. The original signed contract or service agreement 3. A complete payment history and itemized billing statement 4. The * * true date of first delinquency * * 5. Documentation showing whether this account was sold, assigned, or authorized for third-party collection 6. An explanation for why this account is being reported in XXXX if it allegedly originated in XXXX If you are unable to provide this documentation, I am requesting that you cease reporting this account and instruct all third parties to please * remove it from my credit report immediately * Please provide written confirmation of your findings. 

Sincerely, 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