vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from the following activity : continued harassment through electronic messages, defamatory statements made to third parties, and unauthorized use of copyrighted material.

Your actions are unwarranted, inappropriate. These actions have caused, and continue to cause, harm to my personal, professional, or legal rights.

You are hereby instructed to cease and desist all such actions immediately. Should you fail to comply with this demand, I reserve the right to pursue all available legal remedies, including but not limited to injunctive relief, monetary damages, and recovery of attorneys fees and court costs.

This letter constitutes your final warning to discontinue your unlawful behavior. A copy of this correspondence will be retained for legal purposes. If the offending behavior does not stop within 10 days of the date of this letter, legal action may be initiated without further notice. 

Sincerely, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TRANSUNION for repeated violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/ ). 

Despite my certified written disputes regarding inaccurate, inconsistent, and unverifiable information on my credit report ( including account names : XXXX  XXXX, XXXX, XXXX XXXX, XXXX ), XXXX  failed to : Conduct a reasonable investigation as required by FCRA 611 and Illinois law.

Correct or delete the inaccurate information within the required timeframe.

Provide a method of verification or validation of the alleged debts as required by FCRA 611 ( a ) ( 7 ) and FDCPA 1692g ( b ).

Provide a full file disclosure as requested.

This ongoing reporting and collection of inaccurate information has harmed my credit, resulted in denials of credit, and caused emotional and financial distress. Attached are copies of my disputes, the companys inadequate responses, and supporting documentation.

Requested Resolution : Immediate correction or removal of all inaccurate, inconsistent, or unverifiable information from my credit file.

Written explanation of the investigation and verification process.

Enforcement of my rights under the FCRA, FDCPA, and Illinois law.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I am disputing a {$980.00} debt reported by Amsher Collection Services from a XXXX  account. I paid the original bill ( {$240.00} ) on XX/XX/XXXX. XXXX failed to credit my payment, then retried billing me on XX/XX/XXXX. They continued to add late fees and service charges while my service was shut off, even though I disputed the charge with my bank and was never reconnected. 

The balance inflated from {$240.00} to over {$800.00} in weeks, and I was billed for services I didnt receive. Amsher is now reporting the full {$980.00} to the credit bureaus despite this being an unresolved billing error. 

Ive attached bank and text message documentation showing my original payment and XXXX continued billing activity. Im requesting this account be removed from my credit report and the billing error be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was checking out at XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX ) on XX/XX/2025 and my total was {$85.00}. 

I was told that if I signed up for the myWalgreens credit card, I would get {$45.00} off my purchase. 

I followed the process to sign-up, and when I was approved, they automatically charged the credit card for the {$85.00}. The {$45.00} off was not applied to the purchase. I was confused and brought it up to the person at the register, and they stated that it would be applied to my XXXX statement. With that in mind, I thought that it would act similarly to XXXX, where you can apply your rewards to your credit statement. 

But when I set up my account, I found that I could only apply the {$45.00} rewards towards future purchases at a XXXX, not towards the existing balance or the previous purchase. 

This was deeply misleading. 

I tried to chat with customer service, but all they have is " XXXX - Your Virtual Assistant '' and the bot did not understand the issue and I was stuck in a cycle of unhelpful information and it refusing to understand the issue.

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 2025-08-03 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: AZ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint to dispute the inaccurate and potentially unlawful reporting of two derogatory accounts by Comenity Bank and Comenity Capital Bank on my credit reports.

these accounts may have been impacted by known data breaches involving Comenity systems, which casts doubt on the integrity, accuracy, and ownership of the data being reported. 


Accounts in XXXX : XXXX. COMENITYBANK/VICTORIA Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged-Off Delinquencies Reported : Jan 2021 30 days Feb 2021 60 days Mar 2021 90 days XXXX XXXX XXXX days XXXX. COMENITYCB/ULTA Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged-Off Delinquencies Reported : Jan 2021 30 days Feb 2021 60 days Mar 2021 90 days XXXX XXXX XXXX days Concerns and Legal Violations : XXXX. Reporting Charged-Off Status on {$0.00} Balance Accounts Both accounts report XXXX balances yet are still marked as charged-off and delinquent, which is misleading and inaccurate under FCRA 607 ( b ) and inconsistent with XXXX XXXX compliance, XXXX for accounts that are no longer collectible. 

XXXX. Delinquency Reporting After XXXX XXXX accounts show a continuation of late payment reporting even after they were closed, which may be a re-aging violation and artificially lowers my credit score.

3. Missing or Incorrect Status Codes Proper closure codes, such as Status Code 62 ( " account paid in full, was a charge-off '' ), are missing.

There is no consumer dispute indicator, despite my dispute being active, which violates XXXX XXXX and FCRA 623 ( a ) ( 3 ).

4. Data Breach Impact These accounts were active during the time when Comenity Bank publicly acknowledged system outages and data breaches, specifically in XXXX. I have reason to believe that these reporting errors may be related to data integrity failures caused by these breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my TransUnion and Experian credit reports, there are multiple unauthorized hard inquiries that were not initiated or approved by me, including from : XXXX Dated XX/XX/XXXX ( TransUnion ) XXXX Dated XX/XX/XXXX ( TransUnion ) These inquiries were made without my knowledge or consent, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b ( f ) A credit report may only be accessed with a permissible purpose and proper authorization.

15 U.S.C. 1681b ( a ) ( 3 ) Limits the legal scenarios under which a creditor may access a consumers report, such as a bona fide credit application initiated by the consumer.

I have not applied for credit with any of the listed entities and did not provide written or electronic authorization. As such, these inquiries constitute an unauthorized use of my personal identifying information, potentially as part of identity theft or negligent misuse. 

A police report has been filed ( attached ) documenting this issue. I am requesting the immediate deletion of these unauthorized hard inquiries from all consumer reporting agencies, as they violate federal law, damage my credit profile, and were not initiated 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 explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: OH

Complaint narrative:
XX/XX/XXXX thru XX/XX/XXXX elan XXXX  the amount is XXXX $ they want me to pay an upfront fee of XXXX $ that they said is to start the payment process and that they wanted me to pay XXXX $ a month towards the debt and pay XXXX or more of the debt saying that an attorney has gotten involved but I had a consolidation company handling the situation and I have tried to negotiate thru them but they just push back the same negotiation from the previous ones I was threatened with being taken to court on this matter stating that a attorney would be involved on elan behalf

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/ 2025, I sent TransUnion a comprehensive dispute letter via certified mail regarding XXXX XXXX XXXX account for {$380.00} ( XXXX XXXX ). The dispute documented XXXX XXXXXXXX XXXX failure to provide debt validation for XXXX days following my FDCPA demand, lack of Nevada collection license verification, and absence of proper chain of assignment documentation. 

TransUnion has completely ignored my dispute for over XXXX days, providing XXXX response, acknowledgment, or investigation. They failed to comply with FCRA Section XXXX ( a ) requirements for mandatory investigation within XXXX days and consumer notification of results. 

This demonstrates selective compliance - TransUnion successfully acknowledge receipte of XXXX XXXX XXXX account ( XXXX ) proving their investigation capability, yet completely ignores the XXXXXXXX XXXX dispute involving FCRA violation patterns. Their arbitrary processing creates discriminatory enforcement that violates uniform FCRA application requirements. 

TransUnion 's complete silence enables continued credit reporting of an unvalidated debt, compounding consumer harm while XXXX XXXX remains in FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-08-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: AL

Complaint narrative:
I called direct express for help with mobile app a week ago. Then my card got locked. Then I called them XXXX told me to send verification I did. All of it then they said they it got denied then I asked for a supervisor then got disconnected after being on hold XXXX hours. I have to pay rent this is MY DISABILITY MONEY I need my card to work be unlocked whatever. I want to talk to somebody to resolve issue. The last lady I talked to told me absolutely nothing after being on hold for XXXX hours. Right now I'm on hold for an hour and XXXX mjnutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: LEXISNEXIS
State: NY

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Cards open without my consent XXXX XXXX and 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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am currently traveling alone in XXXX and have been unable to access my money due to repeated malfunctions of my Chase credit card through XXXX XXXX. I first experienced the issue around * * XX/XX/year> * *, when my card began being declined despite my account being in good standing. I lost my physical card while traveling, and Chase is in the process of shipping me a replacement. In the meantime, I have been relying solely on XXXX XXXX tap-to-pay for daily purchases, food, lodging, and transportation. When it fails, I am left with no way to pay which is extremely dangerous and destabilizing as a solo traveler abroad. 

I have called Chase * * XXXX times * * about this issue since * * XX/XX/XXXX * *, including on * * XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX * *. On XXXX occasion, Chase disconnected the call without resolution. On * * XXXX separate calls * *, I was assured the issue was resolved, only for my card to immediately fail again upon attempting to use it. This has caused * * serious financial and emotional distress * *, including being stranded without access to basic needs. 

Because Chase 's international number does not work from XXXX, Ive had to call a friend in the U.S. and talk to Chase agents via speakerphone on her computer a highly inefficient and undignified workaround. This has wasted hours of my time and hers, with no meaningful solution. 

I am requesting * * financial compensation * * for Chases negligence in failing to resolve this issue in a timely and reliable manner. My trip a once-in-a-lifetime opportunity has been derailed by ongoing uncertainty about whether my only method of payment will work. I estimate my financial damages at * * several hundred dollars * * and emotional and travel-related damages that are not easily quantifiable. 

This has been a completely unacceptable experience, and I believe Chase has failed in its duty to provide basic, functional access to funds for its customer abroad. I am filing this complaint to document this systemic failure and to request compensation and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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