vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
This is not a casual complaint it is a serious issue that demands immediate action. My credit report contains false and damaging information that clearly violates the standard of maximum possible accuracy. These ongoing errors are having a severe impact on my life. 
I am insisting that this matter be fully investigated now. The inaccuracies must be corrected or permanently deleted without excuses or delay. This must be resolved and fast.

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 2025-06-04 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: PA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-04 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: NV

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
XXXX. Delete or correct all inaccurate, incomplete, or unverifiable information. 
XXXX. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXXXXXX

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 2025-06-03 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: PA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding inaccurate and harmful credit reporting by Santander on my credit report.

The account in question is an auto loan opened on XX/XX/XXXX, and reported as closed on XX/XX/XXXX with a {$0.00} balance. This account is associated with the repossession and sale of a vehicle.

After the vehicle was repossessed and sold, a deficiency balance remained on the loan, which I later settled for less than the full balance. The account now shows a {$0.00} balance and is listed as settled and closed.

However, XXXX XXXX shows the following inaccurate and damaging details : Status : " Derogatory '' and " Payment After Charge-off/Collection '' Remarks : " Paid profit and loss '' / " Settled less than full balance '' Payment History : Nearly three years of ongoing derogatory marks ( XXXX, XXXX, and XXXX ), even though the account was no longer active after the repossession and settlement On-time Payment Rate : Listed as 2 %, which is misleading given the account is closed and resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: TX

Complaint narrative:
Hello, I was A US Bank  XXXX and they targeted XXXX XXXX XXXX to open a card ending in XXXX with a sign-up bonus. I hit the signup bonus but US Bank is claiming that they XXXX  the card on XX/XX/year> and that I can no longer use the points I have accrued. I have {$810.00} ( attached ) in points that they are not allowing me to redeem. The card also had a 0 % interest period that they are no longer honoring. 

This is theft and I have received no explanation for why my account was 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 2025-06-04 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXX XXXX XXXXXX/XX/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 2025-06-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
b"I bought a XXXX XXXX  (American Express) XXXX  card from a XXXX XXXX XXXX XXXX) at XXXXPM on the XXXX XXXX XXXX XXXX I have not been able to use the card on various online websites. These websites claim to accept XXXX  cards (And do take my personal XXXX XXXX card) but the XXXX card is declined each time. XXXX does not allow returns on XXXX cards and I haven't been able to get my money back.\n\nThe receipt from XXXX  states that the card is XXXX and confirming through XXXX  balance websites and XXXX  support say that the card is active as well.\n\nMy receipt info from XXXX is listed below;\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX online and the XXXX  support told me that the card is XXXX and should work, but to no avail. I have tried using this XXXX card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nI paid XXXX  for the card and activation and have received no compensation. They do not state which websites their cards work (or don't) work on. A XXXX XXXX card should work every where their normal card should, but XXXX doesn't!"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company has been repeatedly reporting a debt under my name without ever providing any legally sufficient proof that the debt is valid or that they have the right to collect it. I filed a previous complaint months ago, and all they sent was a generic invoice no signed contract, no original account agreement, no chain of title proving assignment, no validation that would meet the standards required under federal law. 

Let me be clear : A bill with my name on it is not a contract. It is not validation. And it is not legal justification to damage my credit, harass me, or pursue collections. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am legally entitled to : Full verification of the debt, Proof of assignment of the account from the original creditor, And evidence that LVNV Funding has legal standing to collect and report this debt. 

To date, they have failed to meet any of those requirements. Continuing to report this debt without such documentation is not only misleading, it is illegal. This is an ongoing violation of federal law and a clear case of abusive, deceptive collection practices. 

I demand that : 1. LVNV Funding immediately cease all collection activities and 2. Delete this account from all credit bureaus, unless and until they provide full, original documentation including a signed contract and legal chain of ownership of the debt.

If they can not or will not provide this, I ask the CFPB to investigate this abusive conduct and impose the appropriate sanctions. Enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After looking over my credit report I see accounts and information on my credit report that I do not recognize.

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 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: WY

Complaint narrative:
I requested the following account to validate the debt and they didn't respond to me and I want this account removed from XXXX XXXX XXXX XXXX Immediately. account name is self/lead account XXXX  XXXX with a balance of {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I did not authorize my credit report to be looked at, or checked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX pending so no reporting should be made and the company has sent me XXXX of what I asked for and neither have you. If you have the documents and proof I requested and I'm legally due send it other wise delete. See theft report and affidavit offical documents sent certifed mail XXXX and signed with all verification documents. No more time will be allotted to fix this issue no further notices will be sent next steps will be filing suit.

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 2025-06-04 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXXDEPT OF ED Account # XXXX XXXX/DEPT OF ED Account # XXXX XXXX XXXX Account # XXXX Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
its Been years since XXXX  I haven't been able to open an account or anything

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 2025-06-03 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: MI

Complaint narrative:
This complaint is about how Experian handles consumer disputes, not just about XXXX specific account. The issue originated with a XXXX Mortgage tradeline, but the broader problem is how Experian processes disputes and completely defers to the furnisher, even when the consumer provides clear, documented evidence. 

I submitted multiple disputes showing I was in XXXX XXXX  and approved modifications between XXXX. I provided over XXXX pages of documentation, including letters from XXXX and payment proof. Experian continued to report rolling XXXX and never corrected the data. 

I spoke with XXXX representativesXXXX XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX both admitted that Experian XXXX actually investigate disputes. XXXX told me : We act as a bridge, not an XXXX, and We dont override what the lender says. XXXX told me : Even if you have XXXX pages of proof, we go with whatever XXXX confirms. When I questioned this, I said : Thats like asking a XXXX if they committed the crime and just taking their word for it. She didnt disagree. 

Experian also rejected my mailed documents simply because I used a printing service ( XXXX XXXX, even though the dispute came directly from me. I received letters saying only the consumer can dispute, even though I had included all identity information. They have not added a XXXX XXXX XXXXo my file and their system doesnt allow large document uploads. 

This complaint is not just about XXXX about how Experian avoids its legal obligations under the FCRA by blindly deferring to furnishers and refusing to evaluate consumer-submitted evidence. I am asking the CFPB to investigate their dispute-handling procedures, require them to accept and review evidence, and prevent continued misuse of systems like XXXX  to avoid responsibility.

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 2025-06-04 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am following up on CFPB Case No. XXXX involving Discover Banks mishandling of my account. The account was wrongfully closed without notice, and Discover later processed a {$1500.00} payment I did not authorize. 

Despite their claim that a closure notice was mailed on XXXX XXXX XXXX, I never received any such letter. Furthermore, my Discover app still displays the message : Your account is in a status that may limit the availability of certain products, features, and services nowhere does it say closed. That contradicts their official position and misleads the consumer. 

Additionally, they claim I scheduled a {$1500.00} payment via Face ID login on XX/XX/XXXX, but I did not knowingly authorize this transaction. I have requested a full audit of this authorization including IP address, device log, and timestamp and have received nothing in return. They also attempted to reprocess the charge after I had deleted my bank account information from their app, which is alarming. 

This account was my oldest line of credit, and closing it without fair notice or due process has caused measurable damage to my credit score. Discover has refused to reinstate the account or offer a new line of credit to offset this impact. They have also refused to reduce or remove the balance, which remains disputed. 

If Discover is unwilling to reinstate the account or extend a new line of credit with comparable history and limit, then : I do not consent to them continuing to report this account in a way that damages my credit I do not accept responsibility for the remaining balance, as the payment in question was not authorized I will pursue additional action including legal avenues, credit bureau disputes, and regulatory escalation At minimum, I request the CFPB require DiscovXXXX to : Remove the derogatory status of the account from my credit reports ; Cease collections on the disputed balance ; and Provide documentation proving both proper closure notice and valid payment authorization. 

I am acting in good faith, but I will not allow Discovers mishandling of this situation to damage my credit or impose a balance I did not agree to. Please consider this matter unresolved and reopen or escalate the case accordingly.

Company response to consumer: Closed with explanation