vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: AR

Complaint narrative:
I am a long-time holder of a Fidelity Rewards Visa Signature Card , which is issued and serviced by Elan Financial Services . As of XX/XX/2025, I had accumulated XXXX cash-back reward points, equivalent to {$440.00} when redeemed into my Fidelity Cash Management Account. 

On XX/XX/2025, my credit card was unexpectedly declined during a routine transaction. On XX/XX/2025, I contacted XXXX XXXX Services ( XXXX ) to inquire about the issue. I was informed that Elan Financial Services had closed my credit card account on XX/XX/2025, and that a notice had allegedly been mailed to me on that same date. 

However, as of today ( XX/XX/2025 ), I have still not received the physical mail referenced by the representative. I also never received any phone calls, text messages, or emails regarding the account closure. In other words, I received no advance warning and no valid communication from XXXX before my account was terminated. 

When I asked whether I could redeem the XXXX points I had already earned, I was told that all points were immediately forfeited at the moment the account was closed and are now permanently inaccessible. 

This result is unfair and inconsistent with Elans advertised rewards structure, which promises a 2 % cash-back equivalent on all eligible spending. I earned these points in good faith through legitimate card usage, relying on the published terms of the Fidelity Rewards Visa program issued by Elan. I was never notified that my account was at risk of closure, nor was I given any opportunity to redeem the rewards I had rightfully earned.

The sudden closure of my account, the lack of any meaningful notice, and the automatic forfeiture of earned rewardswithout warning and without a chance to redeemviolates reasonable consumer expectations and undermines the fairness of the rewards program.

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 2025-12-03 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-03 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: Entrata Inc.
State: UT

Complaint narrative:
I am a tenant at an XXXXXXXX XXXX XXXX. In XXXX, I began receiving emails from RentPlus notifying me that they were going to enroll me in their credit reporting service and charge me $ XXXX. I explicitly opted out of this service in writing multiple times, both directly to RentPlus and through my leasing office. I have copies of all emails documenting my opt-out requests, as well as confirmation from my leasing office that I should not be charged. 

Despite these repeated notifications and clear instructions, RentPlus has continued to charge me {$15.00} per month for a service I did not authorize or request. This is an unauthorized billing practice, and I am seeking : 1. A full refund of all unauthorized charges 2. Confirmation that I have been permanently removed from RentPlus services 3. Assurance that no further charges will be applied without my explicit written consent This is a clear violation of my rights as a consumer, and I request that the CFPB review this matter and ensure that RentPlus corrects their unauthorized billing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

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. 


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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/year>, a chargeback was filed against my business. I submitted my evidence under XXXX, including the signed receipt, through the XXXX  dispute portal. The system showed that my response was submitted, but the evidence was never delivered to the issuer. 

Because the issuer never received anything to review, the case was closed as No issuer response, even though I did submit my evidence on time. I was never notified of any pre-arbitration or arbitration stages.

Later, I was charged an arbitration fee of {$1100.00}, but the company did not provide any arbitration documentation or an explanation of how arbitration was initiated. I contacted the company several times and spoke with two agents ( XXXX and XXXX XXXX, but they said they did not have the authority to access dispute logs, transmission records, or arbitration documents. I was repeatedly referred to departments that could not assist. 

I requested dispute logs, evidence transmission records, and arbitration documentation, but none of this information was provided. The company has not explained why my evidence was not delivered to the issuer or why the case closed incorrectly. As a result, I was charged an arbitration fee even though the dispute process was handled incorrectly. 

The issue remains unresolved, and I am asking for CFPB assistance to obtain the records and have the fee reviewed.

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 2025-12-03 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-03 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: NJ

Complaint narrative:
I am submitting this complaint because Experian has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX XXXX XXXX. I first disputed this error on XX/XX/XXXX, and sent a follow-up notice on XX/XX/XXXX. Experian has not provided any documentation, verification, or supporting evidence proving that the XXXX, XXXX, XX/XX/XXXX late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Experians obligations under 15 U.S.C. 1681i to conduct a reasonable reinvestigation and remove unverifiable information. Since Experian has been unable or unwilling to obtain verification from XXXX XXXX, federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ). Experians continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful 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 2025-12-03 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: CA

Complaint narrative:
On the evening of XXXX XX/XX/year> I went to XXXX XXXX in XXXX XXXX, CA XXXX I purchased XXXX XXXX XXXX XXXX  for a total of XXXX, I left a XXXX dollar tip which brought my total to XXXX. Instead a XXXX was added in front of my XXXX and a XXXX tip was added and brought my total XXXX dollars. I attempted to call the merchant and received no answer. I brought the complaint to my credit card and denied my dispute and is proceeding to charge me XXXX dollars. I have tried to call the merchant and they do not answer. My credit card company Capital One received a receipt from the merchant and it is very obvious a XXXX was added. Capital One has made it very difficult and has asked me to call the merchant myself and asked for documentation I do not have. I pay a fee for this credit card, and have notified them that the merchant is not working with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I previously filed a complaints regarding fraudulent transactions : XXXX, XXXX, XXXX, and XXXX. Since then, Remitly representative XXXX told me I would receive the refund in 37 business days. This timeline has not been honored, and now Remitly refuses to acknowledge the promise. This constitutes inconsistent information and misrepresentation after regulatory complaints. 

I also included an Email from the XXXX Police department approving my fraud case : XXXX and basically saying I am a documented victim of fraud by false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late accounts : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : {$6600.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified.

Legal Precedent : In Cushman v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 2025-12-03 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:
The following items are not mine and i'm a victim of identity theft This is illegal to hold me to items i did not open, show me my wet signature and contract legally binding me to these accounts. I don't have any legal binding contracts with these parties XXXX XXXX XXXX XXXX XXXX XXXX XXXX accnt num XXXXXXXX XXXX XXXX never done any business with any of these companies no wet signature, never heard of any of these companies remove immediately. i have attached my ftc for your review victim of identity theft all these agencies have wrong party, wrong address wrong person. I have let each of these creditors know this they are still reporting these items.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
On XX/XX/XXXX I received a letter from court stating that a pending lawsuit against me was going to be dropped in 30 days due to no response from plaintiffs lawyer. This was the first I am hearing of a lawsuit. I received another letter on XX/XX/XXXX from the courts that the case would remain in the docket as the plaintiffs lawyers had stated that my address has been verified as bad and they are using skip tracing to find me so the case can move forward. I have never received a summons for this case and both of these letters were the first time I was hearing of this lawsuit. My address listed on both letters is my correct address, where I have lived since XXXX. I believe this is a fraudulent claim with the courts to continue pursuing this debt. I am currently in the process of requesting a chain of ownership for this debt as Im not sure what it is for, and is likely a very old debt ( 10 plus years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
In XXXXXXXX XXXX XXXX, when I was XXXX, I applied for a personal loan to pay off my credit cards and because I lost my source of income. I knew how much the loan limit was ( {$2800.00} ), I knew that they payments were going to be bi-weekly for 36 months, at {$100.00}, which was eventually reduced to {$100.00}. I also knew that the interest was going to reduce by 2 % after 6 months. I will be honest ; I am young, this was the first time I had ever taken out a loan, and I do not recall if the interest was 89.90 % when I signed, until a few days ago I checked my account and saw that out of the {$2800.00} that I owed, I had an outstanding balance of {$2700.00} including accrued interest of {$66.00}. In XXXX payments including this weeks payment ( XXXX weeks since XX/XX/year> and today is XX/XX/year> ) I have paid Personify Financial {$2100.00}. The website will not give me the option to turn off AutoPay, and I have not tried to contact the company because I believe I fell for a scam and I am ashamed that it took me this long to realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I previously filed a complaint in early XXXX regarding XXXX accounts on my credit file that were opened fraudulently without my authorization. I provided the credit bureau with all documents required to investigate, including a full identity theft statement and supporting evidence. Despite this, the credit bureau has continued to report the fraudulent accounts with no corrections or updates. 

Both accounts remain on my credit file across all three credit bureaus and are being verified even though the information is clearly the result of identity theft. The bureau has failed to block the fraudulent information, failed to correct the reporting, and has repeatedly allowed the accounts to continue appearing on my file even after being notified. 

This situation has now been ongoing for months with no meaningful action taken by the bureau. I am requesting CFPB assistance to ensure that the bureau complies with federal law, removes the fraudulent information from my credit file, and prevents any future reinsertion.

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 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: IL

Complaint narrative:
U.S. BANK {$1700.00} XX/XX/year> Account number hidden on my report U.S. Bank is reporting a charge-off with conflicting past-due amounts, inconsistent dates, and incomplete documentation. 
The late-payment history does not align with the charge-off balance, and required validation was not provided. 
This constitutes inaccurate and unverifiable reporting, violating FCRA standards. 
Please require U.S. Bank to validate the account fully or remove it from my credit reports.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened under my identity. I did not authorize these accounts, and they do not belong to me. Once I discovered the issue, I immediately took all appropriate steps to resolve it including filing a police report, notifying the credit bureaus, and contacting the creditors involved.

Despite completing all required procedures and providing documentation, the fraudulent accounts continue to appear on my credit report. This situation has caused significant stress and has unfairly damaged my credit standing. Ive done everything Im supposed to do, yet the inaccurate information remains.

I am requesting a full investigation and the removal of all fraudulent and unauthorized accounts so my credit report accurately reflects my true identity and financial history.

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