vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9800.00} - XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Balance Owed : {$530.00}

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 2025-05-23 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: CA

Complaint narrative:
This is a follow-up complaint to ensure that TransUnion is properly investigating and verifying the accuracy of multiple charge-off accounts that are currently being reported on my credit file. Specifically, TransUnion is reporting two XXXX XXXX accounts : one under account number XXXXXXXX XXXX XXXX XXXX XXXX with a charge-off dated XX/XX/XXXX in the amount of {$2900.00}, and another under XXXXXXXX XXXX XXXX XXXX XXXX, charged off on XX/XX/XXXX for {$1100.00}. These accounts are being reported as charged off with no accompanying verification or supporting documentation accessible to me, which raises serious concerns about their accuracy and the validity of their continued inclusion in my credit profile. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item of information. Additionally, 15 U.S.C. 1681e ( b ) mandates that all information furnished by consumer reporting agencies be accurate and up to date. In light of the growing number of data breaches reported nationally, it is reasonable to question whether these accounts have been properly attributed or were possibly added as a result of compromised data.

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 2025-05-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute several collection accounts currently listed on my credit report with TransUnion. Upon comparing reports from all three major credit bureaus, I have found serious inconsistencies in how these accounts are reported, raising concerns about their accuracy and validity. 

Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I request that you fully investigate and verify these accounts. If you are unable to verify with original documentation, including billing history and contracts, these accounts must be removed from my file immediately. 

1. XXXXXXXX XXXX Account XXXX XXXXXXXX ( via XXXX XXXX XXXX ) Issue : TransUnion shows Last Activity as XX/XX/XXXX, while other bureaus list XX/XX/XXXX. 

Status Conflict : Listed as Charge Off here, but as Open in XXXX. 

Missing Details : Your version omits the complete agency address seen in XXXX. 

Action Requested : Verify activity date, charge-off status, and update or delete. 

2. XXXX Account XXXX XXXXXXXX ( via XXXX XXXX XXXX ) Issue : You list Last Activity as XX/XX/XXXX ; others report XX/XX/XXXX. 

Status Conflict : " Charge Off '' here vs. Open in XXXX. 

Conflicting Comments : Language regarding dispute varies may misrepresent severity. 

Action Requested : Align account status and validate balance accuracy or remove. 

3. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXXXXXX ( via XXXXXXXX XXXX  ) Inconsistency : Status shows Open here ; Experian shows Charge Off. 

Activity Dates Conflict : Your report lists XX/XX/XXXX, but others use XX/XX/XXXX or even XX/XX/XXXX. 

History Missing : Payment records and date of default not clearly documented. 

Action Requested : Require full validation or delete due to unverifiable status.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a citibank debit card in the mail. The pin was sent separately. 
Upon calling citi.com I learned there was a checking account opened up in my name. 
I know it was not me because the mailing address was incomplete and I have zero interest in gaining credit or opening a secondary checking account.

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 2025-05-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-05-23 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a business checking account with US bank on XX/XX/2025. I had just formed a new company, XXXX XXXX XXXX. They sent me a promo letter where I could earn a bonus of {$400.00} if I deposited {$5000.00} in new money into the account and kept the balance in my account at {$5000.00} for 60 days. The offer expired on XX/XX/2025. The promo code on the letter was XXXX. I contacted customer service and asked them if I could still open the account even though the offer has expired, the rep told me that they have a better promo going on at that time than the {$400.00} bonus. She told me that she could use promo code XXXX and get me a {$500.00} bonus with the same terms and condition. I opened my account on XX/XX/2025 with a {$100.00} deposit and on XX/XX/2025 I transferred {$5000.00} from my XXXX XXXXXXXX to US Bank and maintained that balance till XX/XX/2025. I called them around XX/XX/2025 asking for my bonus and they told me that It should show up anytime soon. Then on XX/XX/2025 when I called again for my bonus earned, US bank is refusing to honor the code and give me the {$500.00} which I rightfully earned and is now saying that there was a third criteria to earn the {$500.00} bonus, which I was never told about. I told them they could hear the conversation which I had with the rep the day I opened my account. Why was I not informed of the 3rd criteria? I have the paperwork which shows that the promo only requires me to keep {$5000.00} for 60 days. After repeatedly talking with customer service, they are refusing to honor this. Please please help! I am a new business owner and {$500.00} is a big amount for me.

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 2025-05-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
aCCOUNT # XXXX REPORTED TO MY CREDIT ON XX/XX/XXXX AAND i INCLUDED XXXX MY XX/XX/XXXX BANKRUPTCY CASE NUMBER # XXXX THE XXXX XXXXXXXX WAS OPENED IN XX/XX/XXXX AND THE XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX WAS OPENED XX/XX/XXXX AND THEY FILED IT ON THE DAY ( XX/XX/XXXX ) OF MY BANKRUPTCY DISCHARGE ILLEGALLY THESE ITEMS WERE ILLEGALLY REPORTED TO YOUR BUREAU AFTER THE JUDGED DISCHARGED THEM IN MY BANKRUPTCY ON XX/XX/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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I had 4 accounts from XXXX XXXX XXXX XXXX XXXX VA, a few years ago. All the loans were paid on rime untill they were paid off, but it's showing as closed accounts but equivalent is saying I had 6 late payments on these accounts which is not true. All of these 4 accounts were paid on time each payday untillthelones were paid off and closed. 
This needs to be corrected on my credit report, and not showing on my credit report as 6 late payments on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau On XX/XX/year> I deposited a total of XXXX at USBank Located in XXXX XXXX XXXX XXXXXXXX in my savings and XXXX in my checking accout at USBank. They closed my acount and sent me a statement that said XXXX balance on my account which was never refunded to me i tried calling and emailing the XXXX at USBank wouldnt take my calls or email me to let me know whats going on with my XXXX, because of these careless actions by USBank XXXX ended up in the streets with my daughter due to them giving me runarounds about my money, they said that they mailed my check which i never received then they told me i had to go to post office and pick it up and i told them why do i have to go thru all that why not just put the money back where it came from. i used my Current Online Banking virtual card to deposit XXXX in total and i have proof that i used my Current Online Banking and proof they never refunded it either because the manager told me they where also gon na send it back to the card it came from i said okay that never happened either. please i urge you to help me get my money refunded by USBank.

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 monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, this dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
I am reporting Experian for repeatedly verifying inaccurate and outdated information on my credit report, despite multiple disputes. Specifically, there are charge-off accounts that are over three years old which continue to have their dates updated, making it appear as if they are more recent. This illegitimately restarts the reporting timeline, negatively impacting my credit profile. 

I have submitted multiple disputes to Experian, yet the same accounts come back as verified without proper investigation or resolution. I have not received meaningful responses or adequate documentation showing how these accounts were verified. 

As a U.S. military veteran, this situation is preventing me from refinancing my home, which I need to do in order to manage and reduce my credit card debt. Experians failure to accurately report and investigate this data is causing me significant financial and emotional distress.

I am requesting that the FTC investigate Experians credit reporting practices, specifically regarding outdated charge-off accounts and the failure to properly investigate consumer disputes.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I disputed the Credit Collection Services account with XXXX  requesting full validation and all supporting documentationXXXX XXXX verified the account without providing any original contract or proof of the debt. No documents were given to confirm the accuracy or ownership of this collection. Under the FCRA, unverifiable or inaccurate accounts must be deleted. I am requesting a formal investigation and removal of this account if proper validation can not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I disputed an auto loan account reported by Santander Consumer USA showing a {$12000.00} charge-off. The vehicle was repossessed in XXXX, yet the account continues to report monthly charge-offs through XXXX, which is inaccurate and misleading. The balance appears inflated and does not reflect a post-repo deficiency calculation or sale value. 
I requested the original signed contract and full accounting, but no documentation was provided. I submitted my dispute to TransUnion and Experian with full supporting documents including ID and address verification. This reporting violates the FCRA and I request immediate correction or deletion of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation