vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: SC

Complaint narrative:
I am disputing inaccurate and contradictory reporting of the same account on my credit reports with TransUnion and Equifax. 

TransUnion reports the account closed on XX/XX/XXXX, while Equifax reports it closed on XX/XX/XXXX. 

TransUnion shows the last activity and report date as XX/XX/XXXX, but Equifax shows XX/XX/XXXX. 

TransUnion reports the payment status as 60 days past due, while Equifax reports Not more than XXXX payments past due. 

Both bureaus list the balance owed as {$0.00} and that the account is closed. A closed account with a {$0.00} balance can not legally report as delinquent. 

TransUnion lists the creditor type as XXXX other than personal, while Equifax lists it as XXXX XXXX. 


This information is false, misleading, and directly harms my credit. It also violates the Fair Credit Reporting Act ( FCRA 605B and 611 ) which requires credit bureaus to block unverifiable information and reinvestigate disputes.

I am requesting that this account be deleted or corrected immediately, and that all inaccurate delinquency references be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XX/XX/year> I purchased a XXXX voucher for auto service at XXXX for {$130.00}. The service was not properly provided. I contacted XXXX many times ( case # XXXX ) and was repeatedly promised a refund, but no follow-through ever occurred. 

In XX/XX/year> I escalated to XXXX. XXXX first offered only credits, which I rejected. On XX/XX/year>, XXXX sent me a written email promising to refund the {$130.00} to my original payment method. Despite that promise, no refund was ever processed. 

I disputed the charge with Chase ( Claim # XXXX ). Chase gave me a provisional credit but then closed the claim on XX/XX/year>, saying the charge was authorized. This ignores the core issue : merchant fraud, misrepresentation, and XXXX broken written refund promise. 

I acted in good faith at every step. XXXX and XXXX acted in bad faith, and Chase failed to protect me as a consumer. I am requesting that the CFPB require Chase to restore my {$130.00} credit and hold XXXX accountable XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
This is a XXXX credit card company primarily meant for XXXX people - THAT IS THE REALITY. I am glad they recognized my value and closed my card because they realized I do not belong to their XXXX standards. Concord credit religiously blocks your credit card, you account and your online access when you update your address. It is as simple as updating your address online or over the phone, only to find out your access will be blocked altogether. This is not the first time, Concord credit has done this before to my other cards as well. I had credit cards with XXXX, XXXX some of the biggest names and I have never seen them playing these type of mickey-mouse games. XXXX XXXX - you know your credit card institution is a XXXX  standard institution and so you people are same - XXXX  MATERIALS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Regarding Debt Collection and Credit Reporting Violations To Whom It May Concern, I am submitting this complaint to formally report violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

1. Violation of 15 U.S. Code 1692c A debt collector has continued to contact me in ways that are prohibited by law, including calls at inconvenient times, calls to work after written notice, or third-party disclosure These actions directly violate 1692c, which governs communication in connection with debt collection.

2. Violation of 15 U.S. Code 1692g I timely requested written validation of the alleged debt, yet the collector failed to provide proper documentation as required under 1692g. Instead, they continued collection efforts, reporting to credit bureaus, or threats without validation.

3. Violation of 15 U.S. Code 1681 ( e ) The credit reporting agencies have failed in their responsibility to maintain reasonable procedures to assure maximum possible accuracy of the information reported. The alleged debt remains on my credit file despite it being disputed, which is a violation of 1681 ( e ). 

Because of these violations, I request the CFPB to : Investigate the conduct of the debt collector and the credit reporting agencies involved ; Require the debt collector to cease unlawful collection efforts until full validation is provided ; Require the credit reporting agencies to immediately remove or correct the inaccurate information from my file ; Ensure compliance with federal consumer protection laws moving forward. 

Please confirm receipt of this complaint and provide me with updates regarding the outcome of the investigation. I am attaching copies of my correspondence, dispute letters, and credit report entries for your review. 

Thank you for your attention to this matter. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-02 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: NV

Complaint narrative:
On XX/XX/year>, I mailed formal disputes to Experian and TransUnion regarding an account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX, balance {$3400.00} ). XXXX records confirm both companies received the disputes on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA 611 ), both bureaus were required to complete a reinvestigation and provide written results within 30 days of receipt, no later than XX/XX/year>. Neither Experian nor TransUnion provided the required results within that timeframe. 

On XX/XX/year>, I mailed follow-up non-compliance letters to both companies, demanding deletion of the account due to their failure to meet the XXXX statutory deadline. USPS records confirm delivery of these letters. Each letter provided an additional 7 days to respond. As of today, neither Experian nor TransUnion has provided the required investigation results or validation of the account.

This failure to reinvestigate and respond constitutes non-compliance with FCRA 611, and the continued reporting of this unverified account is causing ongoing harm to my credit profile. I consent to publishing this description on consumerfinance.gov so others may learn from my
experience, understanding that the CFPB will remove personal information but someone may still be able to identify 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 2025-10-02 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: CA

Complaint narrative:
CREDIT COLLECTION SERVICES Product or service : Debt collection, credit reporting Company : Credit Collection Services Issue summary : I dispute the Credit Collection Services collection account. I never signed a contract with this company. I do not owe CCS. The tradeline lacks validation and authorization. The reported balance is XXXX, which also raises accuracy concerns about continued reporting. 

Account details : Account number : XXXX Reported balance : XXXX dollars Reported opened : XX/XX/year> Facts : I have no agreement with CCS. 
I did not authorize CCS to obtain, use, or report my personal information. 
CCS has not produced a signed contract, full itemization, or proof of ownership. 
Reporting a XXXX-balance collection suggests the account should be deleted, not kept as derogatory. 

Legal violations : FDCPA, 15 U.S.C. 1692g ( b ) : cease collection until validation. 
FDCPA, 15 U.S.C. 1692e and 1692f : false, misleading, or unfair practices, including reporting disputed, unvalidated, or misleading information.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) : duty to furnish accurate information and correct errors.

FCRA, 15 U.S.C. 1681s-2 ( b ) : duty to investigate and delete or correct after notice of dispute.

12 C.F.R. 1022.42 and 1022.43 : accuracy and integrity duties, and direct dispute investigation duties.

California Rosenthal Act, Cal. Civ. Code 1788.17.

Requested relief : Delete the CCS tradeline from all consumer reports. 
Cease and desist all collection and reporting on this account. 
Provide, in writing, all documents relied on : original signed contract with the original creditor, full itemized account history, notice of assignment, bill of sale, chain of title, data furnishing records, date of first delinquency, and any forward flow or purchase agreements proving ownership and authority. 
Provide the complete results of your investigation and the procedures used. 
Confirm deletion within 15 days. 
Provide compensation for statutory and actual damages, plus costs. 

Attachments to be provided by me : Government ID and social

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
In XXXX my payment was due on the XXXX. I was in Texas ( that is home for me - my whole family and friends are there - look at my phone number. It's an XXXX phone number ). I was there for the XXXX of XXXX when the floods happened in XXXX XXXX. We have close family friends that we were helping for several days. They lost XXXX  son and his wife and XXXX  of their children. Me and my sisters were helping them, getting them out of there, putting them up, helping them with funeral arrangements, cleaning out and salvaging what we could from each of their homes. We and they have been friends and share 3 generations of friendship. 

So I missed my payment due date, but I paid it on the XXXX - just two days later. On their website, they had in big bold letters that XXXX 's heart goes out to the people affected by the floods. I asked for a credit for the late fee- they wouldn't give it to me. I paid it and now they are charging me again. 

I'm extremely frustrated and want to swear like crazy at them. So now they want to charge me a total of {$60.00} when I've already paid the card off??? 

They need to credit the fee- at this point I feel that they are just squeezing anything they can. I paid off the whole thing, I asked for a credit for the late fee when I was only late by two days because I was helping our family friends with the flood. Comenity should be ashamed of themselves, trying to squeeze money out of people who were occupied with a catastrophic even which lead to 3 deaths ( XXXX  of them a child ). 

And while this is being disputed, I'm sure they'll charge me another late fee. These fees need to be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I took out an {$800.00} loan from Fast Fund Lending in XX/XX/XXXX to help cover my car registration. As of XX/XX/XXXX, I have already paid {$820.00} through XXXX automatic withdrawals : {$88.00} on XX/XX/XXXX and {$180.00} on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Despite already paying more than I borrowed, the company is still scheduled to take multiple additional payments of {$180.00} totaling over {$3500.00} in the end due to a 583.39 % APR. This was not made clear to me when I signed up. I would not have knowingly agreed to pay over {$3500.00} for a loan of only {$800.00}. This feels extremely predatory and unfair. I have revoked ACH authorization and filed this complaint because I believe I have already fulfilled my repayment and the remaining balance is composed of illegal or abusive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX  ( XXXX  ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
I am submitting this complaint regarding American Express and their failure to properly apply the protections of the Servicemembers Civil Relief Act ( SCRA ) to my credit card account. 
I am a XXXX XXXX XXXX who was placed on XXXX XXXX orders and XXXX from XX/XX/XXXX until XX/XX/XXXX. During this time, my American Express account should have been adjusted in accordance with SCRA requirements, which mandate that interest rates on pre-service obligations be capped at 6 % and that certain fees, including annual fees, be waived. Additionally, SCRA requires that any interest charged above this limit during the covered period be refunded back to the servicemember.

While American Express has noted my account as being under SCRA, they have not refunded or adjusted any of the interest charges that accumulated during my XXXX. They also have not waived the annual fee or corrected the improper charges. To date, no refunds or corrections have been applied, leaving me financially disadvantaged despite my legal entitlement under federal law. 
I have contacted American Express customer service multiple times. Their representatives have stated they forwarded my case to their XXXX department, but I have been told there is no direct phone number for that office and no resolution has been provided. As of today, American Express has failed to honor its legal obligations under SCRA.

I am requesting that the CFPB investigate this matter and require American Express to : Refund all interest accrued above 6 % during the period of my active duty ( November 2024May 2025 ).

Waive the annual fee for the covered period.

Ensure my account is in full compliance with SCRA protections.

Thank you for your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
Was in hospital ; XXXX XXXX, the first one was XXXX  XXXX. XXXX and uninsured at the time. 
XXXX XXXX XXXX forgave the entire bill thru " charity write off ''. The surgeons at the hospital are 3rd party contractors and by law all emergency services performed and the surgeons are supposed to be included! I am and have been undefeated wage garnishment for 2 or 3 years for the surgeons. I spoke to hospital admin and they don't know why the surgeons were not notified about the XXXX XXXX. They did not know what to do for me and that was the end of our conversation. Dates were XX/XX/year> to XX/XX/year>. Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-10-02 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: WI

Complaint narrative:
The following accounts are no longer in dispute. 

XXXX # XXXX Date Opened XX/XX/XXXX -- Balance {$120000.00} XXXX CARD # XXXX -Date Opened XX/XX/XXXX -- Balance {$10000.00} XXXX # XXXX -Date Opened XX/XX/XXXX -- Balance {$0.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -- Balance {$0.00}

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 2025-10-02 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:
I confirm that I have no ties to the named creditors and did not authorize this inquiry. Kindly remove it without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your communication regarding the debt you claim I owe. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please be advised that this is not a refusal to pay, but a request for proof that I am legally obligated to pay the debt you claim.

Specifically, I request that you provide : The name and address of the original creditor.

The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

Copies of any judgment ( if applicable ). 

Proof that you are licensed to collect debts in my state. 

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

A complete payment history, starting with the original creditor. 

Until you provide the requested information, you must cease all collection activity, including reporting to credit bureaus, as required under the FDCPA. Be advised that any attempt to collect this debt without proper validation will be considered a violation of federal law, and I will not hesitate to exercise my rights by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 

Please note that I am requesting all communications be made in writing only. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I dispute this entry because it does not belong to me.

Company response to consumer: Closed with explanation