vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: TN

Complaint narrative:
I traveled with my wife in XXXX in XX/XX/year>. When in XXXX, XXXX, we used a Taxi Service ( XXXX XXXX XXXX  ) for an 8-block taxi ride. We used our US Bank VISA card to pay the charge. It was supposed to be {$22.00}. We did not receive a receipt at the time. When we returned to the US, we got our statement from US Bank. The charge from the taxi service was listed as {$2700.00}. ( {$2700.00} more than it was supposed to be ). This was clearly a fraudulent charge. 

I immediately contacted US Bank Customer service on XXXX, XXXX. 

They credited my account for the additional amount of the charge ( {$2700.00} ) while they investigated. I was later contacted by US Bank via letter ( dated XX/XX/year> ) and informed that " we are unable to assist you in reviewing your dispute. '' The explanation for this decision was " there is insufficient information supplied to support your claim of incorrect amount. '' I later called US Bank ( after getting this letter ) and protested this decision. The bank asked me whether I had a receipt for this charge. I stated that I did not. They asked me whether I had contacted the vendor itself. I replied that I was unable to locate any contact information for the vendor, just from the limited name the bank provided on my CC statement. 

I contacted the Bank a few days later ( today, XX/XX/XXXX ) and protested this decision. The bank said it would review the decision but could not tell me if it would give me a credit for the {$2700.00} yet ( meaning, I stand to incur both interest and penalties for this fraudulent, wrongful charge ). 

I asked for a complete copy of the " documentation used during the bank 's research '' in my call with the bank today. The bank rep said that would be mailed to me, but it could take up to 14 days to do so. 
I do not believe that US Bank conducted a " reasonable investigation '' under the requirements of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). US Bank is required to do more than a " cursory review or a system-generated response ''. US Bank made no effort to contact the vendor itself and made no attempts to communicate to me further about the circumstances of this fraudulent charge. This was a single charge, a short taxi ride in a large XXXX city with many cab companies. This charge was clearly fraudulent on its face and US Bank filed to investigate this properly and to properly deny this charge to the vendor, and credit my 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
They were told that this item was returned at drop off. I called XXXX to pick up. I tried to go through returns process at XXXX  but impossible. Each time I called, they said, hold on let me transfer you to returns and all was a total of 5 hours of hold music. NO ONE ever picks up. I did chat, same thing, many times. Emailed, reply was " we dont take email. '' I used online return option. Screenshot says " No order found for return. '' Fraud that they dont have contact and way to pick up. SHUT DOWN COMPANY!. It is damaged, broken and defective. Sent pics. Did XXXX  complaint and replied. Nothing. I have each screenshot and recorded call of all above. I want you to do class action start up and fine them. This ruined my credit and it is still sitting outside boxed up and im getting fined by city each day, 20 days now. They must pick up now and Fortiva must take off credit. They are in breach of contract and lack of fidiciary duty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 


XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-21 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that I did not authorize or initiate. I have never applied for or used this account, and it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BTH Management
State: MI

Complaint narrative:
I am writing this to dispute the debit mentioned below. This is not my account. I ask that this debit is verified as required by the Fair Debit Collection Practices Act. When the account is can not be verified, remove the negative reporting account from my credit report.

Because Im disputing this debt, you should not report it to any credit reporting agencies. Any information that is reported which you know to be inaccurate and/or failing to report said information correctly violates the Fair Credit Reporting Act.

It is required by the Fair Debt Collection Practices Act, 15 USC Section 1692c, that you fully comply and honor this request. 


ACCCOUNT.... PLAZA SERV # XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I reported the incident of {$100.00} ATM unknown withdrawl incident on XXXX 2025, I deposited {$100.00} through the ATM and checked my account later and to my surprise the {$100.00} deposit was not registered in my account.I reported the incident to Wellsfargo agent and was assigned a claim number.Wells Fargo did reimburse me temporarily with in ten days of my report, for the missing $ XXXXThen around XX/XX/XXXX, my account for the {$100.00}, they had formerly reimbursed me for.I inquired why this was, and requested that my case be escalated, which it was to the Executive Office of Investigating , I was told that I would be contacted by XX/XX/XXXX, on XX/XX/XXXX I was contacted by the Executive Office , was told my case was closed ( though Wells Fargo never provided any video clip showing me that I withdrew the {$100.00} two minutes later ) and concluded that I withdrew the money.

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 2025-07-21 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: TN

Complaint narrative:
There are several in accuracies on 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 explanation
Consumer complaint received 2025-07-21 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: TN

Complaint narrative:
There are several in accuracies on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
They had my account goal in overdraft and add late fees on the funds were in my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
A representative called, read from a script and then never followed through by returning my funds.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is still reporting a XXXX  XXXX credit card that I was a authorized user of and it's still taking my credit profile even after a identity theft report was filled and capital one removed it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of all accounts fraudulently opened in my name as listed on my Equifax credit report. I am a verified victim of identity theft and was directly impacted by the 2017 Equifax Data Breach, which compromised millions of consumers ' personal informationincluding mine.

Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and remove all information relating to accounts and inquiries resulting from identity theft within four ( 4 ) business days of receiving this notice and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I have thoroughly reviewed my credit reports from TransUnion, Experian, and Equifax and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are negatively affecting my creditworthiness and do not reflect my actual financial history. 

Despite previous dispute attempts, I have not received proper validation, verification, or correction as required by the Fair Credit Reporting Act ( FCRA ). The issues I found include : Charge-offs reported without proper validation or documentation. 

Duplicate or inconsistent collection accounts across bureaus. 

Late payments showing as delinquent despite being paid, settled, or current. 

Repossession accounts missing details or showing incorrect balances and dates. 

Unauthorized hard inquiries made without my consent. 

Accounts marked dispute resolved consumer disagrees without provided documentation.

Under my rights per the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), all reported information must be accurate, complete, and verifiable. Any account that can not be properly verified within the legal timeframe must be removed from my credit reports. 

Failure to address these issues violates federal law and continues to harm me by limiting access to essential services like housing, transportation, and employment. 

I request a full investigation and removal of any unverifiable or inaccurate information, with written confirmation of your findings as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern at the CFPB, My name is XXXX XXXX, and I am submitting a formal complaint regarding inaccurate credit reporting by State Employees ' Credit Union ( SECU ). 
The issue involves a charged-off accounts continues to show late payments even after the charge-off date. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards, creditors are not allowed to report additional late payments once an account has been charged off. 

I have included the following documentation in support of my complaint : - A copy of my credit report showing late payments after charge-offs I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require SECU to correct the inaccurate reporting. Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation