vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Over the last eight months, I have been trying to get my credit report updated and accurate. I have over 19 accounts from XXXX that were reinserted back onto my credit report as of XX/XX/year>. I have hard inquiries, I did not give permission for my credit to be run. I just want them to take the time to look over my accounts. The inaccuracies are really hurting my credit score.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and I hope all is well. I want to share my situation regarding US Bank. About two weeks ago, I received a letter informing me that all my business and personal accounts would be closed on XX/XX/XXXX. They also mentioned that I had the option to close the accounts before that date. 

When I visited the bank to inquire about the reason for this decision, they stated that they could not provide any information due to their risk management policies. I also called US Bank, and they reiterated that they could not disclose any information and simply terminated my accounts without providing a reason. 

Today, I received another letter concerning my credit cards, which stated that there seemed to be something wrong with my accounts. This raises my suspicions, and I need to understand the reason for their actions. I would greatly appreciate your assistance in this matter. I would like to know if my information has been stolen or if there is another explanation for the abrupt account closures. 

I've had a good relationship with the bank for over two years, especially regarding my business account, so it feels unfair to have my accounts and credit cards closed without any explanation. If you could help me with this, I would be very grateful. Thank you.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing multiple inaccurate, fraudulent, and reinserted items on my credit reports with XXXX, Equifax, and XXXX. These accounts and inquiries are the result of identity theft, have been previously deleted after investigation, and were unlawfully reinserted without providing the required written notice at least five business days before reinsertion, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Fraudulent and Reinserted Accounts : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$35000.00} Status : Charge-off Past due {$35000.00} XXXX XXXX  Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$650.00} Status : Charge-off Past due {$650.00} XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1100.00} Status : Collection Past due {$1100.00} These accounts must be permanently blocked unless verified according to FCRA procedures. 

Duplicate Accounts ( violates 15 USC 1681e ( b ) maximum possible accuracy ) : XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXXXXXX ( duplicate of Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Balance {$4100.00} XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX ( duplicate of Acct XXXX XXXX XXXX XXXX XXXX ) Balance {$2500.00} Unauthorized Hard Inquiries ( violates 15 USC 1681b permissible purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries, did not apply for credit or services with these entities, and demand certification of permissible purpose, including the name and contact of the individual who accessed my file. 

I have provided an FTC Identity Theft Report ( Report XXXX XXXXXXXX ) and police report. Under FCRA 605B, these fraudulent items must be blocked permanently. Continued reporting after notice constitutes willful violations under 15 USC 1681n and negligent violations under 1681o, making the bureaus liable for statutory damages, actual damages, attorneys fees, and costs.

This dispute covers all inaccurate accounts, inquiries, and addresses across all three credit bureaus. I demand full reinvestigation under 15 USC 1681i, deletion of unverifiable items, and written confirmation of all deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I was trying to open a bank account but i was unable to for some reason and I'm in the process of trying to get a home as well due to lack of information on old accounts and accounts i never opened

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 2025-08-12 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: IL

Complaint narrative:
I was trying to open a bank account but i was unable to for some reason and I'm in the process of trying to get a home as well due to lack of information on old accounts and accounts i never opened

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my student loan account number XXXX I want to express my sincere gratitude for the services I have received from XXXX and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XX/XX/XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my student loan account number XXXX I want to express my sincere gratitude for the services I have received from XXXX and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XX/XX/XXXX. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: ND

Complaint narrative:
b'This is a NEW complaint tied to prior CFPB Complaint ID XXXX. Experian received my Final Legal Demand by certified mail on XXXX XXXX XXXX (USPS XXXX XXXX XXXX XXXX XXXX; signed by Experian Legal Dept.). In that demand I disputed multiple items and requested the description of the procedure and furnisher contact info required by the Fair Credit Reporting Act, 15 U.S.C. 1681i(a)(6)(B)(iii), for EACH disputed account, plus the records relied on.\n\nInstead of providing the required information, Experian sent a generic email stating they were unable to honor [my] request or a portion of it, without identifying the specific items, the reasons, or what was missing. That notice fails to comply with 1681i(a)(3)(B), which requires a CRA that declines to investigate to promptly notify the consumer of the specific basis and what information is needed.\n\nAfter receiving my demand, Experian continued publishing disputed negatives without a reasonable reinvestigation, including late-payment reporting on (examples): XXXX XXXX XXXX XXXX XXXX XXXX (two tradelines), and XXXX XXXX XXXX. My Experian app shows new 30/60-day lates posted on XXXX XXXX XXXXAFTER Experian received my Final Demand. Experian is also reporting inaccurate personal information (date of birth mismatch and name variants) and has not corrected those errors.\n\nViolations alleged:\n 1681i(a)(1)(A) & (a)(2)(B): failure to conduct a reasonable reinvestigation and forward all relevant information to furnishers.  \n 1681i(a)(6)(B)(iii): failure to provide the description of procedure and furnisher contact information upon request.  \n 1681i(a)(3)(B): inadequate/frivolous-dispute noticeno specific reasons or items identified.  \n 1681e(b): failure to follow reasonable procedures to assure maximum possible accuracy (e.g., DOB/name errors while publishing new derogatories).  \n 1681i(a)(5)(B) (if applicable): no reinsertion notice for any item reinserted.\n\nI am attaching: (A) the USPS green card signed XXXX XXXX XXXX; (B) the Experian email; (C) my XXXX XXXX  Experian dispute/results letter; (D) screenshots showing the new late reporting; (E) my XXXX  myFICO 3-bureau pages; and (F) my Final Legal Demand letter with tracking.\n\nExperians conduct shows continuing noncompliance after documented receipt of my dispute and MOV request. I am asking the CFPB to require immediate corrective action.'

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 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I got a {$700.00} credit card. In the first 2 weeks I spent all of it and then stopped using it. I made a {$150.00} payment then a {$40.00} payment my balances never changed they said the payment got reversed and then because it got reversed they allowed it to go OVER {$700.00} when thats my limit and then charge me for going over the limit. Then I had 2 purchases that I did not do on XXXX cant figure out who did it but I disputed them NOTHING changed. My balance at that time was {$710.00} while I was on the phone disputing those charges I also paid {$100.00} well here we are 2 weeks later my balance is now {$700.00} so that {$100.00} did NOTHING. and now I just made another {$100.00} payment and she says it should go down now. Either way Ive turned off the card Im never using it again. But I have a feeling they are hitting me with WHATEVER charges they can come up with to keep my balance at {$700.00} or over so they can keep hitting me with fees and over the limit fees when THEY are the ones making it go over the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened saving account with capital one a month after they took XXXX from mine saving.Please i need to pay this money back this its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am submitting a follow up complaint to serves as my third and final formal dispute regarding the following account which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : I have not authorized this company or any XXXX party to access, furnish, or continue to report this account. Its continued presence is an unauthorized action and constitutes a willful violation of the FCRA. XXXXXXXX XXXX  XXXX * * * * * * * * * * * * Balance : {$1200.00}

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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo contacted me without warning that they shut down debit card for 12 months. I requested an atm card but that also has been restricted for 12 months. This greatly affects my ability to care for myself as most places of business do not accept checks. I can't afford to run to bank each time I need money. I lost my XXXX grandson in XXXX and go to XXXX  appointments XXXX per week. I cant do this if I don't have ability to get gas. Also I can't do laundry as machines don't take quarters but instead run debit card. I'm in good standings with Wells Fargo. I have recently had my information breached so I set c9mputer back to factory settings, changed passwords and email. I also got a new phone and phone number. Since doing this I had no issues with card XXXX and used it for 1 to 2 months before Wells Fargo shut it down. I had no issues with that card and went to extreme measures to protect card. I haven't been negative and WF isn't closing account just restricting debit and/or atm card. Please help me. Wells Fargo would contact me with suspicious activity and I'd call and follow bankers suggestion to make a claim even when I had rather not. Now I'm being punished for doing so.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing multiple inaccurate, fraudulent, and reinserted items on my credit reports with Experian, XXXX and TransUnion. These accounts and inquiries are the result of identity theft, have been previously deleted after investigation, and were unlawfully reinserted without providing the required written notice at least five business days before reinsertion, in violation of FCRA 611 ( a ) ( 5 ) ( B ). 

Fraudulent and Reinserted Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$35000.00} Status : Charge-off Past due {$35000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$650.00} Status : Charge-off Past due {$650.00} XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$1100.00} Status : Collection Past due {$1100.00} These accounts must be permanently blocked unless verified according to FCRA procedures. 

Duplicate Accounts ( violates XXXX XXXX XXXX ( b ) maximum possible accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate of XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Balance {$2500.00} Unauthorized Hard Inquiries ( violates 15 USC 1681b permissible purpose ) : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not authorize these inquiries, did not apply for credit or services with these entities, and demand certification of permissible purpose, including the name and contact of the individual who accessed my file. 

I have provided an FTC Identity Theft Report ( Report # XXXX ) and police report. Under FCRA 605B, these fraudulent items must be blocked permanently. Continued reporting after notice constitutes willful violations under 15 USC 1681n and negligent violations under 1681o, making the bureaus liable for statutory damages, actual damages, attorneys fees, and costs.

This dispute covers all inaccurate accounts, inquiries, and addresses across all three credit bureaus. I demand full reinvestigation under 15 USC 1681i, deletion of unverifiable items, and written confirmation of all deletions.

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