vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
Subject : Complaint Regarding Denial of US Bank Business Card New Account Bonus Dear CFPB, I am writing to file a complaint regarding an issue with my US Bank business credit card. 

When I opened the account, the promotion stated that I would receive XXXX bonus miles after spending {$5000.00} within three months. I met this requirement, but I have not received the bonus. 

On XXXX XXXX XXXX, I spoke with a representative named XXXX, who informed me that I would receive the bonus if I waited. However, instead of receiving the bonus, I later received a letter from US Bank stating that I was ineligible because I had already received a new account bonus within the last five years. 

I believe I am entitled to the XXXX bonus miles for the following reasons : Contradictory information The banks representative told me on XXXX that I would receive the bonus, but the bank later denied it. 

Inconsistent application of policy Even after US Bank introduced the one bonus every five years policy, other individuals who changed employers and opened a new US Bank business card account have still received the bonus. 

Industry practice Other banks, such as XXXX, award the new account bonus if the business entity is different, even if the individual has received a bonus before. 

From the customers perspective, it feels as though US Bank is changing its position after I already fulfilled the spending requirement. I respectfully request that US Bank honor its original promotion and provide the promised XXXX bonus miles. 

Thank you for your 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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
I tried to sell my XXXX on this app called XXXX I listed it and received a message saying they want to buy it. But when they tried to purchase it I got an email saying I need at minimum {$300.00} in my account. At that time on XX/XX/XXXX I didnt have the money so I told them I will have the money Wednesday, XX/XX/XXXX. Well, I received my paycheck and I told customer support ( it wasnt XXXX actual customer support line but I thought it was ) that Im ready to verify. They told me to send the {$300.00} to the chime admin so they can receive my activation fee. At XXXX they said after they received my activation fee they will deposit my {$300.00} back into my account they never did and now theyre saying I need another deposit of {$450.00} for their security fee. I basically gave them all my money when I received my direct deposit so I told them that Im just going to cancel because I cant afford it and they said I cant receive my money until I send them {$450.00}. Right there I knew it was a scam, they stole {$300.00} from me. They said it was for an activation fee but really it was a scam. I done some research on XXXX and the only fee they require is a 10 % selling fee when you complete the sale. And thats done automatically, you dont have to have {$750.00} in your account to sell an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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 2025-08-21 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: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.|

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 2025-08-21 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WLCC
State: TX

Complaint narrative:
For XX/XX/year> until now the check are are study coming in for a company that I have never used? Or I do not write checks at all. I dispute the checks they redo. Another way and sent a man over and over and over again. Make it my account with insufficient fand I'm being charged for I even did stop pavements on checks that I have never wrote. And there's still coming in on my account. I studied dispute this video.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
This is now my 8th disputea number that is absurd and unacceptable. The failure of the data furnisher and CRAs to comply with the FCRA, Metro 2 guidelines, and Consumer Law is now systemic and malicious. The account continues to report false, inconsistent, and outdated information, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting codes.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all XXXX  XXXX XXXX regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the XXXX  are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity - Ultamate Rewards Credit Card has lost ( claimed to have never received ) two of my ELECTRONIC payments made to them which has resulted in late fees, accrued interest and a negative impact to my credit score. In actuality, I had overpaid my balance and they owe me. Here is the backstory : Apparently 4 years ago Comenity sent me a new credit card and I never updated the XXXXXXXX XXXX XXXX XXXX with the new account number. For the last 4 years I made all my payments on time and this resulted as paid on my invoices each month. ( the payments I made were always reflected on my monthly statements ). The last payment showing posted on my statement was XX/XX/year> and I paid the balance in full. 
I use my card in XXXX ( {$280.00} ) and submitted a payment to them on XX/XX/XXXX for {$150.00}. As far as I know, all is good until I begin getting harassed by their phone number constantly calling me. I finally answer ( while driving my car ) on or around XX/XX/XXXX and they tell me I missed a payment. I don't normally miss payments but it happens every once in a great while, so I take them at their word and submit another payment of {$150.00} once I reached my destination. Told them I was going to do this so they stopped calling me for a few weeks. Then it starts up again. So this time I decide to look at the history of my payments because I knew I submitted that {$150.00} payment after we spoke XX/XX/XXXX. This is when I noticed in my bill pay that I have made XXXX payments for {$150.00} each - one mid XXXX and XXXX early XXXX. So I tell them this and after multiple transfers I finally get to someone who noticed I had been sending payments to an old account ending in XXXX. Great, they can see the history and should be able to do what they have done for the last 4 years to process my payments but not luck. 

I continue to get the run around and file disputes. My bank sends the ELECTRONIC TRANSMITTAL INQUIRY FORM to them for both payments because XXXX said the money was accepted and never returned to my account. Both claims have been denied by them. They refuse to give me a contact name and number so someone from my bank can speak to a person to get this resolved. 

It seems like this should be very easy for them to locate as they have processed these payments for the last 4 years. The time and effort and stress this has caused me is ridiculous. I don't know what to do next. I refuse to pay them anymore money when they actually owe me yet it's impacting my XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
Hello I am a member of XXXX XXXX I am disputing {$2600.00} from merchant, because I was involved in a hack that allowed XXXX XXXX to steal my money. SoFi which is my bank is Changing the reasoning on the XXXX business day to avoid giving me provisional credit, Under REGULATION E. I disputed when I notice because I work a lot on XXXX XXXX. SoFi is not in favor at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year> ( Sunday evening ) : I was the victim of a XXXX scam/social engineering fraud. A scammer persuaded me to sign up for XXXX ( which I had never previously used ) and tricked me into authorizing three transfers of {$500.00} each, totaling {$1500.00}. I did not knowingly authorize these payments I was deceived and manipulated. 

XX/XX/year> ( Monday ) : I immediately went to Huntington Bank in person to report the scam and dispute the fraudulent transfers. I spoke with personal banker XXXX XXXX, who documented my report and escalated it within the bank. 

Approximately one week later ( XXXXXXXX XXXX  ) : Huntington closed both of my accounts. This added insult to injury and created additional hardship on top of the stolen funds. 

XX/XX/year> : XXXX XXXX called me after spending significant time trying to advocate on my behalf. He told Huntington staff directly, She was tricked into it. However, Huntington still refused to reclassify the transfers as fraud. Instead, they insisted I was liable because I had technically authorized the transfers. 

The stolen money consisted of Social Security benefits, which are federally protected funds. Denying reimbursement creates severe financial hardship and contradicts the intent of federal consumer protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year> I woke up to emails from Capital One that an account was opened in my name. I went through the website without clicking any links in the email and signed in. They had all my correct information. I called and told them it was not me who opened the account so they closed it and put a freeze on anyone opening an account in my name. They also told me to freeze my credit through the three credit bureaus so I did that as well and did a fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AMERISAVE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I have repeated called the mortgage and stated I am not behind since XXXX. My payment are being documented incorrectly. In XX/XX/XXXX, the mortgage company sold loan to XXXX XXXX XXXX with a 2 week notice my loan went to the new services within XXXX weeks. I have requested payment history fromXXXX through XXXX payment history. Amerisaves have refused to give documentation. 
I received original loan closing documents - Mortgage company sent a partial list of payments history from XXXX through XXXX. Missing XX/XX/XXXX through XX/XX/XXXX. I like to request any and all documents and communication regarding my loan that was sold to XXXX XXXX XXXX who now show my loan delinquent. I am selling my Home this month and like to resolve this matter before closing. Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX  I had an account with XXXX XXXX XXXX XXXX that was indeed charged off. However, I subsequently paid the account in full and was even permitted to open a new account with your institution. Despite this, the account status has not been updated to reflect that the charge-off was paid, and the account is still being reported as unpaid on my credit reports. 

This inaccurate reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers of information to report data accurately and to correct or delete any information found to be incomplete or 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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an account that has been incorrectly reported on my credit file. This account is fraudulent and unauthorized, as I never opened or used it. Its reporting is erroneous and unfairly damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Rocky Mountain Capital Management
State: OK

Complaint narrative:
On Wednesday XX/XX/XXXX, I was called by a XXXX XXXX, and he began to tell me that he was calling me on behalf of XXXXXXXX XXXX XXXXXXXX and that they had a record of a credit card that I had from years ago and that I owed {$890.00} on and that I needed to make a payment on it right away and I began to tell him that I did not have the money to pay them and I needed more time to gather my money he said ok and I asked for documentation to be sent to me showing that it was a legitimate acct. and they did send it to me. I then called my dad and my husband to let them know about it and they felt it was a scam so on Thursday XX/XX/XXXX I was able to reach a group called Rocky Mountain Capital Management that I had made payments to in the past and asked them about it and they told me that I had paid it off back in XXXX. So as I send this report to you I hope your able to put a stop to them. 
Thank you XXXX XXXX

Company response to consumer: Untimely response