vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NC

Complaint narrative:
Subject : Misrepresentation of XXXX XXXX XXXX XXXX U.S. Bank Dear XXXX XXXX XXXX, I am writing to formally raise a complaint concerning the U.S. Bank XXXX XXXX XXXX XXXX Credit Card. On [ insert approval date ], I was approved for this product with a {$500.00} credit limit. 

This is in direct conflict with the XXXX XXXX  program standard requiring a minimum {$5000.00} credit line. By issuing a XXXX XXXX card with only {$500.00}, U.S. Bank XXXX XXXX product and failed to meet XXXX  own published standards. 

Industry Evidence of {$5000.00} Minimum XXXX  own program rules are not made consumer-facing, but the {$5000.00} minimum credit limit is well documented and acknowledged by issuers and industry authorities : XXXX XXXX XXXX ( credit card XXXX XXXX XXXX XXXX All XXXX  XXXX XXXX XXXX have a minimum credit limit of {$5000.00}. 
XXXX XXXX XXXX XXXX ( XXXX  ) : The minimum starting credit limit with an XXXX XXXX XXXX is {$5000.00} XXXX XXXX XXXX XXXX : The minimum credit limit is {$5000.00}. 
Source These consistent references reflect XXXX  own internal requirements and the industry-wide understanding of the XXXX  tier XXXX 

Requested XXXX XXXX XXXX Banks issuance practices for XXXX  XXXX  products, as the bank is clearly offering substandard versions of the card. 

Enforce XXXX  minimum credit line requirement so that XXXX  cards are not misrepresented. 

Require U.S. Bank to either : Raise my limit to {$5000.00} to match the XXXX  XXXX  minimum, or Correctly classify the account as a XXXX XXXX  card so it is not misleading. 

Conclusion Consumers rely on XXXX branding to represent consistent benefits and standards. Allowing issuers to market sub- {$5000.00} cards as XXXX  undermines XXXX  credibility and misleads customers. 

This issue has also been filed with the Consumer Financial Protection Bureau ( CFPB ), but I am requesting direct action from XXXX  to ensure compliance within your card network. 

Thank you for your prompt attention. 

Sincerely, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I assert that the inaccurate late payment remarks on my accounts violate 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust 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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year> I received a letter from XXXX  advising that they had a cyber incident involving unauthorized access to some of my personal data. I contacted Experian about their offer To enroll in their credit monitoring service. I attempted to do this both by phone and the Internet. In order to file a claim they were to send me a code that I needed to enter. Upon further inquiry I determined from them That the only way I could receive This code was via text to my cell phone. I advised that I did not have a cell phone and inquired if there was another way for them to provide the text either by telephone or email. I was given a resounding no answer So I asked them how I would be able to file the claim without the code. They told me it couldn't be done. Now here I am with some of my personal information in the hands of who knows and am unable to avail myself of the protections offered when a breach of this type occurs. How can this be resolved?

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: 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have included the necessary documents to support my claim.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

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: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to formally dispute a fraudulent account that has appeared on my credit report. The account in question is reported as a Chime account allegedly opened on XX/XX/XXXX with a reported high balance of {$2100.00}. 

I want to make it clear that I have never applied for, opened, or authorized any account with Chime. I have notified Chime and the credit bureaus several times regarding this matter, yet the account continues to be reported inaccurately. This reporting is damaging my credit profile and is a direct result of identity theft.

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 — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
The account is reported as {$0.00} balance, but also lists a charge-off amount of {$25000.00}. 

The tradeline includes multiple contradictory statuses such as Charge-Off, Transferred/Sold, Repossession, Voluntary Surrender, Bankruptcy, and Foreclosure. A single account can not simultaneously carry all of these derogatory codes. 

Payment history shows charge-off notations after the account was closed, which is inaccurate. 

The Date of First Delinquency ( XX/XX/XXXX ) conflicts with the Date of Last Payment ( XX/XX/XXXX ), suggesting unlawful re-aging of debt. 

Important fields are blank, misleading, or contradictory e.g., Amount Past Due is missing, Actual Payment Amount {$11000.00} is nonsensical.

These errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ) and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: KS

Complaint narrative:
I am in pre-foreclosure. Im no longer allowed to make payments online or over the phone. XXXX XXXX weeks trying to get a hold of somebody on the phone after receiving a pre-foreclosure letter once I finally did. The guy couldnt answer any of my questions as far as the exact amount needed would be or what day I would need to pay it by. got on the phone just said to pay it within the next month. You read me off some wiring information but would not email the wiring information to me. He did say that there was an email where I can reach out for that information I did and havent received a response in over a week. The deadline is coming up and I need answers to these questions as soon as possible.

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: MS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA

Complaint narrative:
I applied for a mortgage refinance with First National Bank XXXX XXXX XXXX XXXX XXXX  through loan officer XXXX XXXX. As part of the application process, I paid {$780.00} in upfront fees for a credit report and an appraisal. While the appraisal was completed, the loan officer failed to lock in my interest rate as promised, and the refinance ultimately could not proceed. 

Over the past 10 months, I have made multiple attempts to contact the loan officer by phone and email regarding a refund of the credit report fee and the potential application of the appraisal fee toward a future refinance. Unfortunately, I have received no response. Most recently, I received a credit refusal letter10 months after my initial application. 

Had I been informed earlier that the refinance could not proceed at the promised rate, I would have pursued refinancing with a different lender and avoided the financial loss caused by ongoing higher interest payments. 

I am requesting the CFPBs assistance in obtaining : A refund of the credit report fee, A refund or credit of the appraisal fee, Compensation for the additional interest I incurred due to the delay, And accountability for the lack of communication from the loan officer throughout this process.

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion recently had a data breach and my personal data was illegally accessed. As a result, my identification has been compromised.

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 — Account status incorrect
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX  regarding inaccurate reporting of my settled collection accounts. 

I have attached proof of payment. 

Despite providing this documentation, XXXX continues to report these accounts inaccurately as if they remain unpaid. 

I have attempted to resolve this matter directly, but XXXX  has not corrected the reporting. 

This inaccurate reporting is in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all credit information be reported with maximum possible accuracy. The continued misreporting is harming my credit standing and financial opportunities. 

I request that XXXX  be required to immediately update my report to reflect the true settled status of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I noticed a fraudulent withdrawal on my chase XXXX  account on made on XX/XX/year> for {$500.00} from XXXX  INTERNET and filed a claim in person at a branch on XX/XX/year>, I was then directed by a branch employee to terminate that account and open a new account with them. 
I followed up numerous times over the Chase helpline on the status of my claim and was told a different thing each time I called. 

I was told that my claim was finalized and a cashiers check was sent on XX/XX/XXXX, and then spoke with someone about XXXX  days later that said no check was sent out. I was then told it was sent to the wrong address and Id recieve the check at my current address. I didnt recieve it in the timeframe they said it would arrive and so I visited a branch in person to find a resolution And now leading up to this I went to a branch on XX/XX/year> and was told my claim was denied and I would need to seek outside action to get my money returned, I called again when I got home and was then told the claim was XXXX not denied but no checks had been sent out and that they would " look into it ''

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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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: 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Union Home Mortgage Corp
State: WV

Complaint narrative:
I am submitting this complaint regarding the negligence of Union Home Mortgage during the purchase and closing of our home located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX on XX/XX/XXXX. 

During the loan process, our assigned loan officer, XXXX XXXX, selected an appraiser who was both uninsured and operating under an expired license. Further, she directed the appraiser to use two specific comparable sales, undermining the independence and validity of the appraisal. 

Despite developing knowledge that active longwall coal mining would occur beneath the property, the loan was approved and pushed through. Comparable to flood zone lending standards, banks typically require adequate insurance coverage before issuing a loan in a high-risk area. Yet, we were not informed of the severe risks associated with subsidence, nor the fact that the state subsidence insurance was capped at only {$200000.00} and excluded costs for alternative housing during inspections or repairs. 

As out-of-state buyers, we were unaware of the realities of coal mining damage in this area. Soon after purchase, our home sustained mining-related damages on XX/XX/XXXX, went into pre-foreclosure, and we were forced to withdraw retirement savings at great cost to begin necessary repairs. Our credit has been negatively impacted as a result. Efforts to sell the property were unsuccessful due to the damages. 

Additionally, the final recorded deed differed from the deed outlined in our sales contract, yet Union Home Mortgage failed to protect our interests in this regard.

Union Home Mortgage owed us a fiduciary duty throughout this process. Instead, their actions and omissions directly caused significant financial and personal harm.

I respectfully request that the CFPB investigate this matter to hold Union Home Mortgage accountable for their negligence and failure to uphold their obligations in our home purchase.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX  for inaccurate, incomplete, and unlawful credit reporting. The issues involve two accounts that XXXX XXXX XXXX  continues to furnish under my name. 
The first account, # XXXX, shows a {$400.00} credit limit, yet the highest balance is reported as {$660.00}. Unless itemized accounting is provided, this appears inflated by fees and is misleading. In addition, XXXX XXXX XXXX is reporting a past due balance on a charged-off account, which is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) ( requiring maximum possible accuracy ) and 1681s-2 ( b ) ( furnishers duty to correct inaccurate data ). 

The second account, # XXXX, is reported as a {$890.00} charge-off. XXXX XXXX XXXX  is reporting a past due balance on this charged-off account as well, which is a violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Balance history also shows multiple payments in XXXX, yet the charged-off balance did not change, raising questions about whether payments were properly credited. 

There are broader problems with both accounts. A charge-off means the receivables were treated as losses for tax purposes. If deductions were claimed, this must be reconciled with continued reporting as collectible. For balances over {$600.00}, 26 U.S.C. 6050P requires issuance of a 1099-C when the debt is canceled. If one was issued, the balance can not also be reported as collectible. If none was issued, XXXX XXXX XXXX  must explain why. If these receivables were securitized or otherwise used in an asset-backed transaction, XXXX XXXX XXXX  already received compensation. Reporting them again as unpaid liabilities is deceptive and violates FCRA 1681e ( b ). Finally, under the Gramm-Leach-Bliley Act, 15 U.S.C. 6801, XXXX XXXX XXXX  is required to protect nonpublic personal information. Furnishing false or misleading data to credit bureaus violates this duty. 

I request that XXXX XXXX XXXX  provide full itemized accounting of balances, fees, and charges, provide proof of tax treatment and any 1099-C issued, confirm whether these accounts were securitized, and correct or delete the inaccurate tradelines furnished to Experian, Equifax, and TransUnion. If XXXX XXXX XXXX  can not prove the accuracy of these tradelines, with proper documentation, they must delete them. Continuing to report unverifiable or inaccurate information after notice of this dispute will be a violation of the Fair Credit Reporting Act, and it will subject you to liability under 15 U.S.C. 1681n and 1681o. Cease and desist all efforts to collect until all documentation is provided to 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