vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to file a formal complaint against American Express and the XXXX major credit reporting agenciesXXXX XXXX XXXX XXXXXXXX reporting inaccurate, inconsistent, and misleading information on my credit reports. Despite my previous efforts to resolve this matter directly with the credit bureaus, the inaccurate reporting persists. 

The account in question is : Creditor Name : American Express ( AMEX ) Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Status : Charged Off / Collection Specific Issues : Inconsistent " Date Opened '' XXXX  reports XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inconsistency creates confusion in determining account age. 

Incorrect " High Credit '' XXXX XXXX  reports {$24000.00} XXXX XXXX XXXX XXXXeport {$26000.00} This difference misrepresents the account 's historical usage and risk profile. 

XXXX XXXX XXXX XXXX  reports " OK '' payments throughout XXXX. 

XXXX XXXX XXXX show consistent " CO '' ( XXXX ) status for those months. 
Equifax 's reporting is factually inaccurate and gives a false impression of positive payment behavior during a delinquent period. 

Inconsistent " Last Activity '' Dates TransUnion : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inconsistency distorts the timeline of delinquency and collections. 

Dispute Language Conflicts Equifax continues to flag the account as " Consumer disputes after resolution, '' This is misleading and in violation of FCRA and XXXX XXXX guidelines once a dispute is resolved. 

XXXX XXXX XXXX All three XXXX XXXX a {$0.00} credit limit, which XXXX not be accurate and misrepresents the account 's original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Sent formal complaint letters to both the companies directly and the credit bureaus directly and were told information was verified. Each time nothing was provided to show validity of being my accounts. On Bankruptcy I was advised that information was verified and I asked for information on who with and nothing. The following Companies : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Sent formal complaint letters to both the companies directly and the credit bureaus directly and were told information was verified. Each time nothing was provided to show validity of being my accounts. On Bankruptcy I was advised that information was verified and I asked for information on who with and nothing. The following Companies : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX & Co XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Car sold to me as is and charges an extremely high interest rate that havent even got to half way paying it off and its been 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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 file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-06-02 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:
To follow up on my previous complaint regarding the erroneous account reported by XXXX XXXX XXXX, specifically Account XXXX XXXXXXXX. I assert that I am not liable for this debt, as I do not have an account with XXXX  and XXXX XXXX XXXX has failed to provide the original contract I requested. 

To facilitate your review and comply with your request for identity verification, I am including the following documents : - A copy of my driver 's license ( or other photo ID ) - A recent utility bill ( or pay stub ) showing my current address Given that I am disputing the validity of this debt and have not received the necessary documentation from XXXX XXXX XXXX, I kindly request that you remove this entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX OF XXXX XXXX : {$1700.00} XXXX XXXX Balance XXXX {$6100.00} XXXX Balance : {$2600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint to dispute late payment reports associated with a credit card account I have no knowledge of and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report only accurate and verifiable data.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal to use false, deceptive, or misleading representations regarding debts. Reporting a debt or payment delinquency on an unauthorized account constitutes a violation of this law. I further demand that the reporting creditor be required to provide concrete evidence proving I opened this account. If no such proof is provided, I request that all associated late payments and derogatory information be removed from my credit reports.

These inaccurate reports are negatively impacting my credit profile and causing me undue harm. I assert my rights under federal law to have only accurate information reported to credit bureaus. 

MY FTC REPORT # IS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I am submitting this complaint to dispute late payment reports associated with a credit card account I have no knowledge of and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report only accurate and verifiable data.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal to use false, deceptive, or misleading representations regarding debts. Reporting a debt or payment delinquency on an unauthorized account constitutes a violation of this law. I further demand that the reporting creditor be required to provide concrete evidence proving I opened this account. If no such proof is provided, I request that all associated late payments and derogatory information be removed from my credit reports.

These inaccurate reports are negatively impacting my credit profile and causing me undue harm. I assert my rights under federal law to have only accurate information reported to credit bureaus. 

MY FTC REPORT # IS 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Perpay, Inc.
State: AL

Complaint narrative:
I am submitting this complaint because Perpay is furnishing inaccurate information that negatively impacts my creditworthiness. It is essential that both parties act in good faith. I have upheld my responsibilities and expect [ Insert Creditor Name ] to do the same. To ensure compliance with consumer laws, I must emphasize that [ Insert Creditor Name ] is causing direct harm and violating federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Block, Inc.
State: CA

Complaint narrative:
I activated an offer from cash app for {$10.00} off my restaurant purchase. Cash app did not give me {$10.00} after my restaurant purchase on XX/XX/year>. They ignored my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX Citibank received a certified letter from my personal representative, XXXX XXXX which also included an authorization letter from me granting CITIBANK permission to speak with XXXX XXXX. They received the certified letter XX/XX/XXXX and have FAILED to respond to the demand letter. 

I am writing to formally address a serious concern regarding the credit card account issued to me, XXXX XXXX XXXX, a consumer who was issued a credit card between the ages of XXXX and XXXX. 

It has come to my attention that the card was granted in violation of the Credit Card XXXX, Responsibility, and Disclosure Act of XXXX ( CARD Act ), specifically the provisions outlined in 15 U.S.C. 1637 ( a ) and Regulation Z ( 12 CFR Part 1026 ), which are designed to protect consumers under the age of XXXX from being issued credit cards without proper safeguards. 

According to the Credit Card Accountability, Responsibility, and Disclosure Act of XXXX, credit card issuers are required to either verify the income of a consumer under the age of XXXX or require a co-signer in order to issue credit. Specifically, 15 U.S.C. 1637 ( o ) prohibits the issuance of a credit card to consumers under the age of XXXX unless the consumer can demonstrate the ability to make the required minimum payments or has a co-signer. By issuing credit to me without requiring the necessary income verification or a co-signer, CITIBANK has violated these statutory provisions.

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 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had my account with Wells Fargo since 2008. Im a single XXXX XXXX so I had a mailing address where I got my mail, and a physical address where I lived. 
I got a letter from Wells Fargo to my physical address, where I lived, telling me that they do not have my physical address, and were going to close my account. 
I was in the process of buying a house, so the timing was very inopportune. They closed the account, and that delayed my house purchase for several months.

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 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$8100.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX XX/XX/XXXX -- {$8100.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX. # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-02 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: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally update my existing complaint against VyStar Credit Union with newly uncovered documentation and communication that further substantiates my claims of mishandling, negligence, and obstruction. 

Since XXXX, I have been fighting to have my XXXX protection claim properly applied to my loan through XXXX XXXX. Due to repeated delays, misinformation, and failure to submit the necessary paperwork particularly by VyStar employee XXXX XXXX my insurance benefits were either misapplied or outright denied. These delays forced me into financial hardship and led to an unnecessary loan modification. 

In early XXXX, I began reaching out again for assistance in XXXX, XXXX, and XXXX seeking a deferment or payment relief. My requests were ignored or stalled. VyStar representatives continued to pull excessive and unauthorized payments from my account including {$570.00}, {$270.00}, and {$370.00} even while a deferment was supposedly in place. This caused overdrafts and cascading harm to my household budget. 

Further, I was informed in writing that I never formally requested to cancel my credit insurance which is false. I verbally told multiple representatives, including XXXX and XXXX, and sent follow-up emails. I also never received full records for accounts ending in # XXXX and # XXXX until late XXXX, after months of repeated requests a delay I consider obstruction. 

VyStars XX/XX/XXXX letter confirmed many of the points Ive been raising all along. The documentation they provided shows clearly that my account was not in delinquency until XX/XX/XXXX directly after I sought help that was ignored. It also shows the internal confusion, repeated denial by XXXX due to missing documentation, and VyStars deflective responses. 

Additionally, I must raise concern about a potential conflict of interest involving VyStars corporate attorney XXXX XXXX. XXXX XXXX previously offered to represent me in an unrelated car accident claim, but is now defending VyStar in this dispute. That is a serious ethical issue, and Ive submitted a formal complaint to the XXXX XXXX for review. 

I have supported VyStar for nearly 20 years and never imagined I would be treated this way. My financial life has been shaken, my mental health affected, and Ive had to fight to even be heard. The retaliation, stonewalling, and lack of accountability must stop. 

Attached are screenshots, letters, emails, and internal correspondence that validate this entire history. I ask that my case remain open and active, and that all responsible parties be investigated under the full extent of regulatory authority. 

Sincerely, XXXX 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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
To Whom It May Concern, I am writing in reference to an alleged debt associated with this account. This letter serves as a formal request for full validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

To ensure the debt is valid and legally enforceable, I respectfully request the following documentation : 1. A signed agreement or contract bearing my signature showing I agreed to the alleged debt.

2. A full itemized account statement showing how the alleged balance was calculated.

3. Proof that Discover still has a legal right to collect on this debt and that it has not been sold, transferred, or charged off in a way that extinguishes your collection rights. 
XXXX. A copy of the XXXX XXXX allegedly issued under my name, or a signed letter stating that no such form was ever filed. 

I have reason to believe a Form XXXX ( Cancellation of Debt ) may have been filed by Discover with the Internal Revenue Service under my name and Social Security Number. If this is the case, it would indicate the debt has been canceled and may no longer be legally collected. Please provide a copy of Form XXXX if form was filed with the IRS. I request immediate clarification of this matter. 

Until this validation is provided, I dispute the validity of this debt and request that all collection activities cease and that no further reporting be made to any credit bureaus. If you are unable to provide sufficient documentation, I request that any related negative reporting be removed from my credit file. 

Additionally, I demand that you cease all communication with me except to provide the requested validation or to confirm that you are terminating collection efforts. Do not contact me by phone or through third parties, as this may constitute harassment under the FDCPA.

I have sent this letter via certified mail with a return receipt requested to ensure proof of delivery. Be advised that I am maintaining records of all correspondence related to this matter. 

Thank you for your cooperation. 
Sincerely,

Company response to consumer: Closed with non-monetary relief