vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: UT

Complaint narrative:
I opened a HELOC with US Bank in XX/XX/XXXX. I received my checkbook from them tied to my HELOC but never received the physical card for spending. On Sunday XX/XX/XXXX, I logged into my US Bank account to check on my card shipping when I noticed a charge on XX/XX/XXXX on my HELOC for " Advance '' of {$500.00}. This charge is completely unrecognized. 

I was not able to see any details on the transaction on their online banking portal. I called US Bank customer support line, but no one could help me on a Sunday. I called back on Monday XX/XX/XXXX, and was on the phone with US Bank for 2 hours with many transfers back and forth. On this phone call, I was informed that this transaction was a check and they gave me the check number as XXXX. I immediately grabbed my HELOC checkbook to find check XXXX, and that is when I realized my checkbook checks went directly from check XXXX to XXXX - missing 2 checks! The claims department said they filed a claim for check XXXX which was cashed against my account by some other customer for {$500.00}, and I requested that they put a stop payment immediately on check XXXX. I tried to escalate this further at US Bank so they could take this seriously and investigate why this happened at their check printing facility - either this was a printing error or at worst this was an intentional act of fraud by the printing vendor. But this is a PII breach as my account number was clearly sent to another customer and an unauthorized check cashed against my account! I don't think anyone at US Bank is taking this seriously and they need to investigate this as a major potential breach.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello I am trying to open a bank account online with bank Of America I was denied because someone else had used my social security number to apply for a chequing account and credit card with bank of America I downloaded the information provided by XXXX I realized that my name was used and my Social Security number to open that account Several addresses and differnt spellings of my name were found My correct name is XXXX XXXX XXXX Any other format of this name is Not Mine

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 2025-11-17 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: VA

Complaint narrative:
b'I found late payments on my report even though I wasnt late.'

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 2025-11-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have previously submitted documents, with information that I do not owe realcan property. All balance has been paid and was never evicted from the property. 
I did not renew my lease and moved out. Attached are court documents stating there is no balanced owed to this company. 
Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One is inaccurately reporting my account as a charge-off even though I paid it in full. Their reporting states paid in full after charge-off, which is contradictory and misleading. This inaccurate reporting is lowering my credit score and preventing credit growth. I am requesting that the charge-off remark be corrected or removed due to inaccurate/incomplete reporting. I have attempted to resolve this directly with Capital One, and they refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Company name : Jefferson Capital Systems , LLC What happened : I am attempting to settle three old accounts with Jefferson Capital Systems ( two already reporting for {$980.00} and {$1000.00}, and one unreported account for approximately {$650.00} that the collector disclosed during phone calls ). I have offered a reasonable 2530 % lump-sum settlement with full deletion of the reported tradelines and permanent non-reporting of the {$650.00} account. XXXX XXXX is refusing anything below approximately {$950.00} {$1300.00} and is using the threat of reporting the previously unreported {$650.00} account as leverage to force me to pay a much higher amount. 
This feels like an unfair and coercive collection practice. I am trying to improve my credit in good faith for an upcoming mortgage, and the collector is intentionally holding the unreported account over my head to extract more money than the debt is worth. 


What I would like the company to do : Accept a reasonable settlement of approximately 30 % or less for all three accounts Permanently delete the two reported tradelines from all three credit bureaus Agree in writing never to report the third ( {$650.00} ) account Cease all collection activity until proper validation is provided ( I have also sent a separate validation request today ) Date of the incident : XX/XX/2025 Account numbers ( if known ) : [ leave blank or list the two reported account numbers + unreported account approximately {$650.00} ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Please analyze the provided files ; the questions arrived without prior notification and might not be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple fraudulent accounts and hard inquiries that I did not authorize, open, or initiate. These items appeared without my knowledge and are the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts and inquiries remain on my credit reports : 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 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 Please remove it from my credit report. 

The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum possible accuracy

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 2025-11-17 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
There is an account on my credit report from XXXX XXXX XXXX - Date XX/XX/year>, which is not mine. It is a fraud account, and as I'm a victim of identity theft, please help me to remove that fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax sent a letter in the mail requesting my ID and address. This is a stall tactic to delay processing my open block request. My ID and proof of residency were attached to the previous complaint. I am now filing this compliant to report this confusing and needless stall. Attachments : XXXX DRIVER LICENSE ADDITIONAL ATTACHMENTS : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX NOT MY NUMBER/ NOT MY ACCOUNT ) XXXX XXXX XXXX XXXX XXXX Bank own XXXX CLOSING FILE ( LEGAL ) FTC XXXX XXXXXXXX XXXX Police Report XXXX XXXX XXXX, XXXX Police Report Personal NOTARIZED Affidavit Evidence of responsible party. XXXX has went above and beyond the statute. 


BLOCK : XXXX XXXX ( XXXX accounts ), XXXX ( XXXX account ), XXXX ( XXXX account ), and XXXX XXXX XXXX XXXX XXXX account XXXX XXXX : XXXX ( FRAUDULENT LINE. SEE XXXX XXXX LETTER ) FREEZE MY CREDIT FILE IMMEDIATELY. 

This is communication from a consumer and any information obtained will be used to administer lawfully guaranteed consumer remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SC

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-11-17 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: SC

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor XXXX not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I am writing to file a dispute regarding the following accounts on my credit report. These accounts are inaccurately reported and I request a thorough investigation and appropriate resolution. 

Charged Off Accounts : BANK XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Reported : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-17 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: DISCOVER BANK
State: TX

Complaint narrative:
I recently made a payment toward my Discover credit card account. The payment initially posted correctly, and the funds were withdrawn from my checking account. However, the money was subsequently returned to my checking account, after which Discover assessed a {$30.00} returned-payment fee. 

Following this, Discover attempted to withdraw the payment amount from my checking account again. This second withdrawal appears on my checking account, but it does not reflect as a posted payment on my Discover credit card account. As a result, Discover has withdrawn the funds, failed to apply them to my credit card balance, and charged me a {$30.00} fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am writing to dispute the following accounts and inquiries on my Equifax credit report. I believe they contain errors and inaccuracies that need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). I request your immediate attention to this matter. 

Charged Off Accounts : XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account XXXX : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I requested to have an escrow account established for my property insurance with my mortgage company, Shellpoint. As of today, they have not fixed the error on their end and have not sent payment to my insurance causing a possible policy cancelation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2025-11-17 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.

Complaint narrative:
I am formally disputing the above-referenced account, which I assert is fraudulent, inaccurate, and unauthorized. 

This account does not belong to me, and I did not authorize, open, incur, or benefit from the alleged debt in any way. Because the account is fraudulent, it is not legally enforceable, and any reporting or collection activity associated with it is a violation of my consumer protection rights.

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 2025-11-17 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: TX

Complaint narrative:
THIS FRAUDULENT ACCOUNT SHOULD NOT APPEAR ON MY REPORT.

Company response to consumer: Closed with non-monetary relief