vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: FL

Complaint narrative:
This is about US Bank. 

I opened an account under my name to handle my mom 's retirement. She had XXXX and I'm the last living child. I've been taking care of her affairs for years. 

Mom died XX/XX/year>. XXXX does a drawback of funds, and the funds were sitting at US Bank for XXXX to take them back. XXXX has confirmed they have the money back. 

I received a suspicious call from US Bank. I went in to check the accounts to find out they detached them from my logon. Completely. 

These are my accounts. NOT THEIRs. 

I told them to restore my accounts. They refuse. 

I will NEVER NEVER do business with US Bank. 

This is the individual who is holding my accounts hostage : XXXX XXXX XXXX Senior Specialist / Life Events Team Pronouns : She/ Her / Hers XXXX XXXX XXXX  | XXXX XXXX XXXX : XXXX International : XXXX Fax XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX www.usbank.com

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 2025-08-28 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: NV

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 : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ 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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC
State: NM

Complaint narrative:
I got a notice in the mail that I am preapproved for a loan with www.bigpictureloans.com. So, I applied. I got an offer for {$450.00} : Payment : {$200.00} Installments : 12 Monthly Est APR : 585.73 % First Payment Date : XX/XX/XXXXXXXX  Maturity Date : XX/XX/XXXXXXXX  Finance Charge : {$1900.00} Amount Financed : {$450.00} Total Payments : {$2400.00} Please tell me where this looks right. I have a screen shot/.pdf of this. I have no loan number, because I did not accept this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
TransUnion File No. : XXXX FTC Report No. : XXXX TransUnion is reporting derogatory late-payment information on my XXXX XXXX XXXX account that is inaccurate. The account details are : XXXX XXXX XXXX, Acct # XXXX, opened XX/XX/XXXX. TransUnion is showing a 60-day late for XX/XX/XXXXXXXX  and a 90-day late for XX/XX/XXXX. These late payments did not occur. 

I disputed this information and requested a reinvestigation and method of verification. I also asked for copies of the documentation relied upon to verify the late payments and the procedures used. Despite this, the inaccurate information remains, and I have not received adequate documentation showing a proper reinvestigation consistent with the FCRA. 

Under the FCRA, TransUnion must : Maintain reasonable procedures to assure maximum possible accuracy ( 1681e ( b ) ) ; and Conduct a reasonable reinvestigation and delete or correct unverifiable information within the statutory timeframe ( 1681i ).

TransUnion has not provided verifiable evidence supporting the XXXX XXXX late-payment claims.

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 2025-08-28 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-28 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 recently checked my credit report and noticed a couple of account on my credit report that doesn't belong to me. I was able to close one of these accounts before any charges but it's still reporting on my credit file I would like to have this account and all other fraudulent account and inquiries removed. the accounts in questioned are listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these accounts and Inquiries belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 checked my credit report and noticed a couple of account on my credit report that doesn't belong to me. I was able to close one of these accounts before any charges but it's still reporting on my credit file I would like to have this account and all other fraudulent account and inquiries removed. the accounts in questioned are listed below.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

None of these accounts and Inquiries belong 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
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: NC

Complaint narrative:
I submitted CFPB complaint XXXX to which LexisNexis replied that, in response to the complaint, they have mailed me a copy of my report ; however, it has been 22 days and I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
This complaint doubles as a formal debt validation request to LVNV Funding, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that LVNV Funding is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX XX/XX/year> National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally request that you provide validation of this debt. Specifically, please provide the following : The name of the original creditor. 

The amount of the alleged debt, including an itemized statement of charges, fees, interest, or payments. 

Documentation bearing my signature that shows I agreed to assume this debt. 

Verification that you are licensed to collect debts in my state, including your license number and issuing authority.

Proof that you have the legal right to collect this debt, whether you are the owner of the debt or acting on behalf of the creditor. 

Until you provide proper validation, you must cease all collection activity, including reporting this debt to any credit reporting agencies. 

Please note that any attempt to collect a debt without providing validation is a violation of federal law. 

I also request that you only communicate with me in writing. 

Thank you for your cooperation. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report. The entry is listed as a collection account under XXXX XXXX XXXX no account number was provided to me. The account is being reported with an address that does not belong to me and is not associated with my personal identifying information. Representative did not want to provide more information to review/verify. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I have the right to dispute information that is incomplete or inaccurate, and you are required to investigate my dispute. Because this collection account reflects an address that is not mine, it is inaccurate and misattributed to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: PA

Complaint narrative:
I am filing this complaint because inaccurate and unlawfully reported information on my credit reports with Experian, Equifax, and TransUnion has directly harmed my ability to provide for my family as a father. These items are preventing me from obtaining credit to secure reliable transportation, housing, and financial tools necessary for the well-being of my children. The continued reporting of inaccurate, unverifiable, and inconsistent accounts and inquiries is causing significant financial and emotional hardship. 

Accounts and Inquiries XXXX. XXXX XXXX {$1000.00} XX/XX/XXXX TransUnion XXXX Equifax Violations : FCRA 1681e ( b ) : Furnisher failed to maintain maximum possible accuracy. The account is inconsistently reported across bureaus. 
FCRA 1681i ( a ) : Bureaus failed to properly reinvestigate after disputes. 
Metro 2 Compliance : Possible incomplete or outdated reporting of status and balance.

Relief Requested : Permanent deletion due to unverifiable and misleading reporting.

XXXX. XXXX XXXX {$1400.00} XX/XX/XXXX TransUnion, Experian & Equifax Violations : FCRA 605 ( a ) ( 4 ) / ( 5 ) : Possible reporting of obsolete or delinquent account beyond the 7-year period.

FCRA 1681e ( b ) : Inaccurate or inconsistent balances across bureaus.

Metro 2 : Payment history or account status may not have been updated accurately.

Relief Requested : Permanent deletion due to outdated, inconsistent, and unverifiable reporting. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX Experian Only Violations : FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher failed to provide accurate information to all CRAs.

FCRA 611 ( a ) : Information is unverifiable ; consumer disputes were not properly investigated.

Metro 2 Compliance : Possible incomplete or inconsistent account reporting.

Relief Requested : Permanent deletion due to unverifiable and inconsistent reporting. 


Summary of Violations FCRA 1681e ( b ) : Furnishers must ensure maximum accuracy ; inaccurate balances, missing bureaus, or misreported status violate this.

FCRA 1681i ( a ) : Bureaus must properly investigate disputes and correct or delete unverifiable items.

F

CRA 605 ( a ) : Prohibits reporting obsolete accounts beyond the statutory period. Metro 2 Compliance : Accounts m
ust be reported accurately, completely, and in standardized format.

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 2025-08-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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