vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following mortgage account : XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ). I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP
State: IL

Complaint narrative:
b"I recently came across 4 expired US BANk XXXX XXXX XXXX that were sorta lost and never activated. It was from an elderly aunt who had misplaced them.'\nI contacted the number on the back and then 7 different numbers. I was told to email the info to XXXXusbank.com. I got no response and pretty much was blown off on my phone calls, \nHERE IS THE  INFO I EMAILED. I ALSO SENT A SCAN OF THE CARDS BUT NOT SURE IF I CAN ATTACH.       THANK YOU FOR YOUR HELP - MADELYN PESCATORE\n\nHi,\nI have recently been given 4 gift cards that I was suppose to have received in the past but my elderly friend forgot to give me.\n\nI am including the information in hopes that you can reactive the cards or send new ones.\nI also had this problem with VISA XXXX XXXX and was able to activate them over the phone.\nLet me know if you need any other information.\n\nThank you for your help in this matterXXXX 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

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation & Proof of Assignment {$550.00} To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. Please be advised that I dispute this alleged debt and request that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 



Until you provide full validation, you must cease all collection efforts, including telephone calls, written notices, and credit reporting related to this account. 



I respectfully request the following documentation for my records : 1. Validation of the Alleged Debt The name of the original creditor and the original account number. 

An itemized accounting of the alleged balance, including principal, interest, fees, and other charges. 

Copies of any documents with my signature that show I agreed to the debt. 

2. Proof of Legal Right to Collect A complete copy of the assignment, sale, or transfer agreement demonstrating that your company has the legal right to collect this debt.

A statement identifying whether your organization is the current owner of the debt or a third party collecting on behalf of another entity. 

3. Regulatory and Compliance Information Your companys debt collection license number ( s ) and the state ( s ) where you are licensed to operate.

The name and address of any other party to whom this debt has been assigned, sold, or otherwise transferred.

If you can not provide these documents, please confirm in writing that you will cease all collection activities and request deletion of any related reporting to credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). 



This letter is sent in good faith and is intended to exercise my rights under federal and state law. I look forward to your prompt response within the statutory timeframe. 



I appreciate your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I quite literally can not reach a real person at Experian. A week ago I had the HARDEST time just asking a question about something on my credit report. Now, all I want to do is just make an account so I can manage my freeze, and their XXXX website won't let me create an account. So what do I do? I call one of their MANY numbers, XXXX, and the automated phone system boots me off MULTIPLE times. Then I call XXXX, and again, booted off multiple times. Their social media? No help there. And no way in XXXX I'm sending a letter just to make an account. Also tried XXXX, and still no person! WHY IS IT SO XXXX DIFFICULT TO CONTACT SOMEONE?!

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 2025-09-09 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: NY

Complaint narrative:
XXXX'Notice has been sent USPS CERTIFIED MAIL XXXX XXXX XXXX XXXX XXXX XXXX.  I am formally demanding the removal of all student loan accounts you are currently reporting on my Experian credit file. These entries stem from my protected education records and were disclosed without my consent, in direct violation of the Family Educational Rights and Privacy Act (FERPA), 20 U.S.C.  1232g(b), and the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681b, 1681c, 1681e(b), 1681s-2(a).\nYou do not have my written consent to obtain or disclose my personally identifiable education records. These accounts, including but not limited to those listed below, must be permanently removed:\n\n\tDept. of Ed / 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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I reviewed my Chex systems and XXXX XXXX  reports and I saw accounts had be opened fraudulently.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: FL

Complaint narrative:
I opened an account with Chime on XX/XX/XXXX under the pretense that connecting a qualifying direct deposit within 30 days would award a bonus of {$300.00}. Two days after opening the account I connected my workplace direct deposit. I did not expect my paycheck of XX/XX/XXXX to be deposited but I had my information in by then. 2 weeks later ( XX/XX/XXXX ) I did not receive my expected direct deposit even though I called to verify with chime if my employers payroll company was on file. They confirmed that it was on file and that the deposit would post as soon as they had it. 3 days later, I had to receive that portion as a paper check despite Chime having the information already on file. I then spoke to a representative on their chat assistance that assured me that if I spoke to them on my next deposit, which I informed her would be two more weeks later and outside of the original 30 day window, and she assured me that I would be able to receive assistance and a resolution with the matter. Today ( XXXX XXXX  ) I received the direct deposit and called Chime as instructed and informed them of what I was told to bring up and that by previous conversation was on record. After stating my case to a representative named XXXX, I asked to be transferred to a supervisor. When I was transferred, the supervisor seemed helpful at first and I reiterated the issue and that the delays within my payroll were not within my control. I informed him that I acted within good faith and fulfilled all stipulations to be rewarded with the direct deposit bonus of {$300.00}. He kept saying that it didnt happen with the 30 days despite the fact that they had all of my information 2 weeks prior. The paycheck that I received on the XXXX was a paper check that I had to pick up from my employer despite the fact that they had all of my information on file by the XXXX. While on the phone with the supervisor and explaining this to me he said that it takes 2 pay cycles for it to process, despite them having everything on file and going against what I was told by two of their associates. When I informed the supervisor about the incongruence of what he was telling me ( two pay cycles ) vs how it was advertised and my acts of good faith of fulfilling every stipulation within a timely manner, he resorted to telling me I would receive an email with the result of the escalation and hung up even though I was asking for a letter in writing stating specifically citing the promotional terms and legal basis for denial despite me having done everything I was supposed to in a timely manner. I believe this constitutes unfair and deceptive practices under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have had health issues since the XXXX  of XXXX and decided due to additional health issues in XXXX, I needed to file an extension with my CPA filing my taxes for tax year XXXX. 
I initially tried to view my Wells Fargo Visa Statements for tax year XXXX. The statement history could be viewed online from XX/XX/XXXX through XX/XX/XXXX, but nothing prior to those dates. I visited the local XXXX, XXXX  Wells Fargo Branch, spoke with the branch manager, who was not able to access my XXXX Wells Fargo Visa Statements nor could he print any checks from XXXX of my Wells Fargo Checking account. I then contacted Wells Fargo Visa Customer Service on XX/XX/XXXX asking for the complete list of Wells Fargo Visa Statements for tax year XXXX. On XX/XX/XXXX, I contacted Wells Fargo Visa Customer service asking for my Wells Fargo Visa Statements for tax year XXXX. I explained in detail that I could only access the last four months of tax year XXXX. I spoke with a supervisor at Wells Fargo Visa customer service who assured me that she would email those documents to me if I wanted to receive them via email since I had not received them in snail mail. I was sent a link to access the documents but I never was able to access those documents. The process was convoluted. Theres no excuse for this. I am one week post left XXXX XXXX XXXX and trying to get my taxes filed but can not finish the process because I can not access my Wells Fargo Visa statements for tax year XXXX. My extension for filing taxes is extended through XX/XX/XXXX. I still do not have these documents. All of my information for online banking has been set access all accounts online. I was told by a representative at Wells Fargo customer service that it could be due to requesting a new XXXX card due to losing one. If that is the case, I should not have to contact Wells Fargo customer service other than letting them know that I got my new XXXX  and I want to get it set up and thats pretty simple. To not be able to access my records for the tax year XXXX is ridiculous. I have exhausted all avenues for obtaining these documents and this is my last attempt.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My account was flagged for fraud. I have provide proof of funds from my attorney. My account is being closed and CITIBANK refuses to issue check in branch

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 2025-09-09 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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am writing to formally express my extreme dissatisfaction with the handling of my Credit Karma Money account and the ongoing difficulties I have faced in accessing my funds. 

As stated previously, I opened this account in connection with filing my taxes. A few days after my tax refund was deposited into my Credit Karma Spend account on the XX/XX/year>, the account was unexpectedly frozen without explanation with my available balance of {$39000.00}. 

I promptly contacted Credit Karma support by phone and was sent a link to upload my drivers license and a selfie, which I completed but they have still refused to open my account. 

At this point, I urgently need access to my account. I am on the verge of homelessness and rely on these funds for essential living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-09-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I affirm that the inaccurate late payment remarks on my accounts represent a violation of 15 USC 1666. I have always made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-09-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief