vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
This is a complaint regarding potentially deceptive business practices and unclear terms related to US Bank 's " Extend Pay '' plans. 

On XX/XX/year>, I made a purchase for {$1500.00} via XXXX utilizing a US Bank Extend Pay plan. The item I received was defective, and XXXX initiated a full reimbursement of {$1500.00} to my credit account on XX/XX/year>. Despite receiving this full reimbursement and paying my entire credit statement in full ( as I do every month ), I continue to be charged fees related to this Extend Pay plan. 

When I contacted US Bank support and management, they explained that although the full amount for the Extend Pay Plan was received, the merchant reimbursement was categorized differently in their system, requiring me to continue paying fees even with my account paid in full. 

I was unable to locate these terms clearly displayed on their website. US Bank 's unwillingness to resolve what I believe to be an error on my account appears deceptive and undermines consumer trust.

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 2025-11-24 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-24 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: NY

Complaint narrative:
I was checking my consumer report and saw numerous credit inquiries that I did not recognize. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This is my third formal request for a review and correction of the unauthorized accounts and inquiries appearing on my credit report. These incorrect items have significantly reduced m

y FICO score, creating challenges in managing my financial well-being. I urgently need your assistance in addressing this issue, especially as I am preparing to apply for a loan that requires a strong FICO score. Pro
mpt action on your part would be greatly appreciated and would enable me to move forward with my financial plans without additional setbacks.

Thank you for your cooperation and support in resolving these errors.

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 2025-11-24 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: NY

Complaint narrative:
I was checking my consumer report and saw numerous credit inquiries that I did not recognize. 
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

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was checking my consumer report and saw numerous credit inquiries that I did not recognize. 
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

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Automated message that says they are a debt collector. Does not include personal information. The phone number they call shows up as spam and when they leave a message does not say who they are calling for. They call on a spam or local number and they leave a different call back. Does not mention how much the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
JPMorgan Chase inappropriately increased my APR from 4 % to 28.74 % without notice in XXXX 2023, which violates my rights under the Servicemembers Civil Relief Act ( SCRA ). The SCRA requires that interest rates on debts incurred before XXXX XXXX be capped at 6 %, and financial institutions must forgive, not defer, any interest above that rate for the duration of military service and for XXXX year after. Chases action of raising my APR to 28.74 % without notification is a clear violation of this law, as it both exceeds the legal cap and was done without proper communication or justification. This increase has caused significant financial hardship and undermines the protections Congress intended for active-duty servicemembers. I am seeking redress for this violation and request that the Consumer Financial Protection Bureau investigate and ensure that Chase complies with SCRA requirements moving forward. I spoke with Chase at least XXXX regarding the increase in APR, there were no notices attached to my communication on the app/website and no physical letters sent to my address. Additionally, I sent them my AD orders/enlistment in XX/XX/year> with no change to the APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I filed a consumer complaint with the Cash App company regarding an authorized merchant charge for XXXX. Shortly thereafter Cash App provided a provisional {$980.00} refund. Upon a negative conclusion of the dispute Cash App reversed the initial provisional credit thus leaving the balance of my account- {$970.00} The disparity in the transaction is as follows : {$5100.00} was charged by the service provider/Merchant. {$170.00} was an international fee apparently deducted from the total payout to service provider. My cash app account was deducted {$6100.00} for the above transaction. There is a {$980.00} dollar discrepancy in what was charged to me and what cash app deducted from my account. 

I have filed several appeals in which Cash App support has failed to adequately address or resolve the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am disputing the accuracy of the charged-off account listed below. The information reported may be incomplete or incorrect. I respectfully request a thorough investigation to ensure the account is accurately reported. Please make the necessary corrections to reflect accurate details. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX WXXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
These inquiries were not made with my consent and appear suspicious. I request swift resolution. Kindly review the attached materials.

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 2025-11-24 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: AZ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/2025 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Subject : Direct Dispute Under FCRA 623 Request for Updated Investigation To Whom It May Concern, I am disputing the accuracy of the following account you are furnishing to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reported Balance : {$710.00} Status : Charge-Off This account contains multiple reporting inconsistencies, including excessive repeated charge-off notations and an unverifiable past-due amount.

Under FCRA 623 ( a ) ( 3 ), I request : 1. Complete payment history 2. Proof of charge-off date 3. Documentation supporting the balance 4. Original application with my signature If you can not provide verified documentation, you must notify the credit bureaus to delete the account. 

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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/2025 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Subject : Direct Dispute Under FCRA 623 Request for Updated Investigation To Whom It May Concern, I am disputing the accuracy of the following account you are furnishing to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reported Balance : {$710.00} Status : Charge-Off This account contains multiple reporting inconsistencies, including excessive repeated charge-off notations and an unverifiable past-due amount.

Under FCRA 623 ( a ) ( 3 ), I request : 1. Complete payment history 2. Proof of charge-off date 3. Documentation supporting the balance 4. Original application with my signature If you can not provide verified documentation, you must notify the credit bureaus to delete the account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am disputing the accuracy of the charged-off account listed below. The details of this account may be reported in error, and I request a thorough investigation. Please take the necessary actions to ensure that my credit report reflects accurate and complete information. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts XXXX  Status : Current XXXX Status : Current XXXX Status : Current XXXX  Status : Current XXXX Status : Current XXXX Status : Current Late Payments XXXX  Account Number : XXXX XXXX Account Number : 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 2025-11-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-24 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: AZ

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am being harassed by Portfolio Recovery Associates. They are Filing a lawsuit for a time-barred debt which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). They are engaging in illegal collection practices. These debts are past the statute of limitation .They have LEVIED MY HUSBANDS PAYCHECK, THEY CONTINUE TO SEND HARASSING LETTERS TO MY HUSBANDS EMPLOYER THUS SLANDERING OUR NAME AND REPUTATION WITH EMPLOYERS AND CAUSING GREAT HUMILIATION AND EMBARRASSMENT. This not only jeopardizes my Husbands job but our livelihood and takes away from needed necessities and treatment for my XXXX. I am permanently, and this company has levied my husbands payroll in addition to me being threatened annually by letters, court judgments etc. I have stated the statute of limitations to those that represent portfolio recovery associates on many occasions however myself and family continues to be harassed annually. I was even threatened by the handling attorney to make payment not knowing my rights and made to cry and forced to give his banking information out of fear. Under FDCPA and state law : They can not sue you They can not garnish wages They can not freeze/levy bank accounts They can not imply youll be sued This is a serious violation! 
Known Docket numbers sent to employers and court not including others they may have. 
XXXX, XXXX, XXXX. I even was threatened that my XXXX XXXX XXXXXXXX would be garnished if I didnt provide my banking information to have a payment arrangement. We need this harassment to stop. Not only on the listed dockets, but also on whatever barred accounts they have. I need my husbands payroll to be returned immediately, these garnishments arent just illegal, but they are causing financial hardship to my family and taking away needed funds to take care of myself for medication and treatment and every day needed necessities such as rent, food and utilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IN

Complaint narrative:
Charged-Off Accounts XXXX XXXX XXXXXXXX Account : XXXX Date : XX/XX/year> Balance : {$6900.00} Inquiries No inquiries listed for dispute. 

Late Payments XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : 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