vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a citi bank credit card with Best Buy, and only used it once in XXXX. I have made consistent payments, never missed a payment, and was left with under {$400.00} balance. Today I noticed I have over {$1000.00} in interest charges. I called and messaged the bank. They said it's a default payment post promotional period. Here are the messages and the bank 's response. 

I sent this note : I recently made a {$100.00} payment ( confirmation XXXX XXXX, posted XX/XX/XXXX ). 
I am disputing the {$1200.00} in default interest that has accrued on a balance under {$400.00}. 
Please provide a full written breakdown of how this amount was calculated, including the dates the penalty APR was applied, all late fees or adjustments, and any interest-on-interest that was charged. 
I am requesting this information in compliance with Regulation Z ( Truth in Lending Act ) and would also like to be considered for a goodwill reversal or adjustment given my consistent recent payments.

Bank response : We appreciate the opportunity to assist you and hope the following addresses your inquiry. A late fee is charged if your minimum payment is not received by the due date shown on your statement. Interest charges are added should you fail to pay the new revolving balance by the payment due date and when a promotion expires with a balance still remaining on your account. Minimum interest charges may apply. See your card agreement for details regarding minimum interest and other fees that may apply. Please note that eligibility for late fee and interest charge adjustments is based on several requirements including number of requests, transaction date and account status. Please note each adjustment request MUST BE SUBMITTED SEPARATELY and will be evaluated on an individual basis. From the main menu bar at the top of your online account, please select the XXXX XXXX tab and scroll down to Account Activity. In the Filter Transactions section select the appropriate time period using the Recent Activity drop down box, then in the All Transactions drop down box select Fees or Interest Charged. Click on the transaction to view details and obtain the Type, Post Date and Amount. Once you have this information, please reply to this message by copying and pasting the XXXX lines below. Then replace the date, transaction amount, and type with either XXXX XXXX or XXXX XXXX. Copy the following XXXX lines : Post Date XXXX XXXX  Original transaction amount : XXXX Type : ( Late Fee or Interest Charged ) We trust that our response has addressed your inquiry. If not, please reply to this message or contact one of our Customer Service representatives. Their number can be located by selecting the HELP & CONTACT option at the top right of any Account Online screen.

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 2025-10-27 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: AL

Complaint narrative:
I am formally disputing the accuracy and completeness of several accounts appearing on my credit report dated XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611, 623 ( a ) ), Fair Debt Collection Practices Act ( FDCPA 807 ( 8 ), 809 ( a ) ), and Gramm-Leach-Bliley Act ( 501 ( b ) ), you are required to investigate and verify each item or delete it entirely within 30 days. 
Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account listed as collection, yet it originated as an installment loan, violating FCRA 607 ( b ) due to inaccurate classification and unverifiable balance. 
XXXX. XXXX XXXX XXXX XXXX XXXX Duplicate collection entry with conflicting dates of activity and re-aging beyond seven years. Violates 623 ( a ) ( 2 ) and Metro-2 standards. 
XXXX. XXXX  XXXX ( multiple accounts ) Reported ongoing late payments without proof of current delinquency. Inconsistent across bureaus. Violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX / XXXX XXXX Same account reported twice with conflicting XXXX days late status. Violates 607 ( b ) and 611 ( a ) ( 1 ). 
XXXX. XXXX XXXX XXXX  Reported as charge-off, yet no validation or creditor notice has been provided. Violates FDCPA 809 ( a ). 
XXXX. XXXX XXXX XXXX Small-balance charge-off still reporting with no validation or activity updates. 
XXXX. XXXX XXXX Paid less than full balance yet remains derogatory, violating FCRA 623 ( a ) ( 2 ). 
XXXX. XXXX XXXX  Reported as charged-off while balance is zero and account closed since XXXX. Violates 605 ( a ) ( obsolescence ). 
XXXX. XXXX XXXX XXXX XXXX XXXX Incorrectly marked 60 days late after account closure. 
Violates 607 ( b ). 
XXXX. XXXX XXXX XXXX Closed and paid account still marked as negative despite As Agreed notation. 
XXXX. XXXX XXXX XXXX XXXX  Charge-off exceeding allowable 7-year reporting period under FCRA 605 ( a ) ( 4 ). 
Unauthorized Inquiries ( FCRA 604 ( a ) ( 3 ) ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any inquiry without permissible purpose and disclose the permissible-purpose documentation for each. Failure to safeguard my data constitutes a GLBA 501 ( b ) breach of non-public personal information. 
Under FCRA 611 ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation within 30 days. If verification can not be obtained, delete the entry immediately per 611 ( a ) ( 5 ) ( A ).

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 2025-10-27 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: WA

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I disputed charges with Wells Fargo on the first week of XXXX when I noticed XXXX worth of unauthorized charges To my checking account. I have been denied access to my money up until today when I was once again denied because the bank stated my transcripts of the conversation with XXXX were not showing detail enough to prove what I was discussing with XXXX. I responded with the detailed transcript and have been given the inability to even leave a voicemail with Wells Fargos executive case worker XXXX at this point. Wells Fargo needs to be stopped from treating customers this way once and for all and they should be fined to the maximum for this type activity.

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 2025-10-27 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: IN

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-10-27 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Collections Inc
State: OR

Complaint narrative:
On XX/XX/year>, a representative from Asset Collections , Inc. contacted me by email regarding an alleged debt supposedly owed to XXXX the Pet Society. The communication did not include any written notice within XXXX ( XXXX ) days as required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). The company failed to provide the amount of the debt, the name of the creditor, or information about my right to dispute the claim. 

After reviewing the limited information provided, I discovered that the alleged balance was based solely on a screenshot of an internal record, not on any signed contract or verifiable account statement. This raised serious concerns about the legitimacy of the debt and whether Asset Collections , Inc. has legal standing to collect it. 

On XX/XX/year>, I sent a formal debt validation and cease-and-desist notice under the FDCPA, the Oregon Unlawful Debt Collection Practices Act ( ORS 646.639 ), and the Uniform Commercial Code ( ORS Chapters 73 & 79 ). The notice requested verification, including the original signed agreement, proof of assignment, a full accounting, and a sworn affidavit confirming the debts validity. 

As of today, Asset Collections , Inc. has not provided the required written validation, has not proven ownership or assignment of the account, and continues to assert a debt without proper substantiation. The companys actions constitute false representation, failure to validate, and unauthorized communication, all of which are direct violations of the FDCPA and Oregon law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of I XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing XXXX days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g.

They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

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 2025-10-27 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: IN

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 2025-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, Experian and XXXX  have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Address NEED TO BE REMOVEDXXXX XXXX XXXX XXXX XXXX XXXXNames to be removedXXXX XXXXFraudulent Accounts/Collections That needs to be removedXXXX 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 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 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

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 2025-10-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXMy Information was sold and bought illegally because I was a victim of the Equifax Data Breach. I want these items deleted from my credit reports effective immediately.\n I am attaching proof that Equifax has admitted that i was in fact a victim of this data breach, Equifax, Experian and XXXX  have done nothing to fix the misuse of my credit.\nPlease help me delete illegal accounts from all of my credit reports. \nThe following accounts, addresses and inquiries were fraudulent, and they need to be removed from my credit reports.\n\nFraudulent Address NEED TO BE REMOVEDXXXX XXXX XXXX XXXX XXXX XXXXNames to be removedXXXX XXXXFraudulent Accounts/Collections That needs to be removedXXXX 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 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 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

Company response to consumer: Closed with non-monetary relief