vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally report that I was a victim of * * fraudulent account takeover * * at U.S. Bank, resulting in the theft of * * $ XXXX * * from my account. Despite following all required procedures, U.S. Bank has refused to refund my stolen money.

# # # Key Facts : 1. * * Fraud Incident * * : - An unauthorized party * * seized control of my account * * by changing my mobile banking credentials, registered phone number, and email address. 
- * * $ XXXX was stolen * * via fraudulent transactions.

2. * * Banks Failure to Protect/Respond * * : - I reported the fraud * * in person * * at a U.S. Bank branch immediately upon discovery and filed a formal fraud claim. 
- I was told to wait * * 10 days for a provisional credit * *. I complied. 
- After issuing a * * temporary credit * *, U.S. Bank * * froze my new account * *, blocking my access to the funds. 
- The bank has now * * refused to refund my stolen money * * permanently.

3. * * Violations * * : - U.S. Banks security systems failed to prevent unauthorized changes to my contact information and account access. 
- The bank is violating * * Regulation E * * ( Electronic Fund Transfer Act ), which requires investigating fraud and issuing provisional credits within 10 business days.

- Freezing my new account after providing temporary credit is * * bad faith conduct * *, causing further financial harm.

# # # Demands : - * * Immediate full refund * * of the stolen $ XXXX, plus any related fees. 
- * * Unfreeze my account * * and restore full access. 
- A written explanation of how the fraud occurred and how U.S. Bank will prevent future breaches. 

# # # Next Steps : If this is not resolved within * * 10 business days * *, I will escalate to : - The * * Office of the Comptroller of the Currency ( OCC ) * * - My state Attorney Generals Office * * I expect written confirmation of this complaint and a case reference number. * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
My XXXX XXXX XXXX  credit card account was opened in XX/XX/XXXX. The account is being reported inconsistently across the credit bureaus. 

TransUnion reports the account as open with a {$390.00} balance and a {$500.00} credit limit as of XX/XX/XXXX. 
XXXX reports the account as closed, with a {$690.00} balance and a {$650.00} credit limit, and shows it as current. 
Equifax also reports the account as closed, with the same {$690.00} balance, but incorrectly shows a {$0.00} credit limit, which is not accurate. 

Additionally, Equifax includes a comment stating that the account was closed by the credit grantor and previously in dispute, even though I did not initiate the closure, and the account was not delinquent. 
This discrepancy creates confusion in my credit report and may negatively impact my credit score, as it misrepresents the accounts status and available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AR

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX debts from a collection company named RentDebt automated collections has been reported on my XXXX The first is for {$300.00} The second is for {$570.00} for a company named the XXXX XXXX. You can see on my XXXX this isnt my address nor have i ever lived there and the amounts are reported are XXXX seperate amounts not consistant with XXXX another. I am requesting for a copy of the original debt to be sent to me that is verifiable and consistent with the address and personal information on my XXXX XXXXeport within 45 days in accordance with the fair credit reporting act. I am requesting XXXX  pay me for every inaccuracy reported which is consistent within my rights under the fair credit reporting act to request. If the original debt can not be given or the information isnt consistent with my personal information reported on XXXX it must be removed from all reports this company reported on within the 3 reporting agencies within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
As I was going through my credit profile there was an account and some hard inquiries that are not mine. Also, old addresses that are no longer valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-06-26 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: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within four ( 4 ) business days of receiving this notice. 

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX  XXXX - Opened XX/XX/XXXX - With balance of {$300.00} XXXX - Opened XX/XX/XXXX - With balance of {$0.00} XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - With balance of {$150.00} XXXX XXXX XXXX- Opened XX/XX/XXXX - WIth balance of {$300.00} There are also fraudulent inquiries which are : XXXX - Inquired on XX/XX/XXXXXXXX XXXX  - Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX- Inquired XX/XX/XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX  - Inquired XXXX XXXX, XXXX All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the U.S. Federal Trade Commission, which confirms that these items are the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against XXXX and JPMorgan Chase Bank ( JPMCB ) for re-inserting previously disputed accounts into my credit report without proper notice or resolution, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have been disputing these accounts since XX/XX/year> after discovering I was a victim of a data breach that resulted in fraudulent accounts being reported under my nameaccounts that are not mine. Despite multiple disputes, neither company has provided verification as required under FCRA 611 ( a ) ( 1 ) ( A ), nor did I receive any written notice of reinsertion as mandated by FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, there is no current permissible purpose for these accounts to appear on my credit report, violating FCRA 604 ( a ) ( 3 ). Both furnishers have also failed to maintain reasonable procedures to ensure maximum possible accuracy as outlined in FCRA 607 ( b ). I am requesting the complete and permanent deletion of the XXXX account ending in XXXX and the JPMCB CARD account ending in XXXX, as these accounts are fraudulent, unlawfully reinserted, and continue to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
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 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
According to XXXX XXXX XXXX, they are trying to collect a debt from their client who is not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm writing to file a complaint against Capital One regarding an unresolved dispute on my account. Despite multiple attempts to resolve the issue, including providing new evidence, Capital One has failed to reopen the investigation and provide a satisfactory resolution.

The dispute concerns a transaction with XXXX, where I was charged {$570.00} for tickets that I never received. The original dispute was filed with incorrect information, but I've since obtained new evidence that supports my claim. I've attached an email from XXXX, which shows that the seller cancelled the sale and sold the tickets to someone else after I tried to resolve the issue with them.

I've requested that Capital One reopen the investigation and provide a refund of the full amount, but my requests have been denied or ignored. I'm seeking assistance from the XXXX  to resolve this issue and obtain a fair outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Affirm Holdings, Inc
State: ND

Complaint narrative:
I have been experiencing ongoing and unresolved issues with Affirm, specifically regarding a frozen account due to unverifiable customer information changes. Despite multiple attempts to resolve the issue, I have been continuously passed between agents with no clarity or action taken. 

I was never late on any of my Affirm payments and maintained a consistent, diligent repayment history. After completing all my payments, my account was inexplicably frozen. When I contacted Affirm, they initially allowed me to make a payment and then froze my account again without warning. I was told by multiple agents that the team responsible for account freezes is not reachable by phone and only responds via internal emails. I was assured I would receive a response within a few days months passed without any contact or resolution. 

This account freeze has severely impacted my credit and financial standing. It led to missed payments on other services, which I would have otherwise paid on time. I have had my credit affected as a result, and now Im being denied installment services on platforms like Affirm itself, or being offered significantly reduced limits. 

Whats worse is that even after several live chats and phone calls, no agent could confirm what customer information is actually holding up the approval. Each conversation ends in either escalation with no follow-up or more delays, and recently, a support agent outright admitted they didnt have access to the necessary information to resolve my case. 

This has been a continuous cycle with no clear way forward, despite my full cooperation and continued follow-up. Ive even asked directly for the exact customer detail causing the block so I could fix it immediately, and was told no one could tell me.

Company response to consumer: Closed with explanation