vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: MN

Complaint narrative:
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX To Whom It May Concern at the CFPB, I am filing a formal complaint against Experian for willful and/or negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) as it relates to the handling of multiple credit disputes I filed regarding inaccurate and fraudulent items on my consumer credit report. 
On or around XX/XX/XXXX, I submitted a legally compliant dispute package including : - FTC Identity Theft Affidavit - Government-issued photo ID - Proof of address - Detailed Exhibit listing fraudulent and inaccurate tradelines - Written dispute letter citing relevant laws ( FCRA 1681c-2, 1681s-2, 1681i ; TILA 1666b ) Despite being presented with sufficient documentation, [ Insert Bureau Name ] failed to : - Complete a timely and reasonable investigation as required under 15 U.S.C. 1681i Consumer Financial Protection Bureau ( CFPB ) Complaint Template- Block fraudulent information upon notice as required under 15 U.S.C. 1681c-2 - Correct inaccurate late payment history per TILA 15 U.S.C. 1666b I am requesting immediate enforcement and a full investigation into this matter. These violations have resulted in direct financial harm, emotional distress, and potential denial of credit access. The bureau 's conduct constitutes willful disregard of consumer protection statutes. 
Please find attached a copy of my dispute letter ( XXXX ), exhibits, identity theft affidavit, and copies of the tradelines in question. 
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 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
According to the 15 US code 1681B2NFCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this Jefferson account. Also keep in mind that you are required to this no later than four days after you receive the dispute for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I have previously disputed Experian and Equifax regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I am formally filing this complaint regarding the unauthorized electronic text messaging of a debt collector called Frost-Arnett XXXX This debt collection agency has contacted me several times via text message regarding a debt it claims I owe to what appears to be 'Premier Radiology ' violating my TCPA rights under federal law. It is my understanding that companies must be given comprehensive consent and authorization to electronically text consumers. If there is no consent, the behavior violates the Telephone Consumer Protection Act as a result triggering penalties under the federal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am filing this complaint regarding Experians and Trans Union unlawful reinsertion of a previously deleted account in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). 

The account in question is XXXX  XXXX XXXX XXXX XXXX, opened on XX/XX/year>. 

This account had been previously disputed and deleted from my Experian credit report. Recently, it was reinserted with derogatory late payment marks ( 6089 days late ) without proper written notice within 5 business days, as required by FCRA.

I have never received certified documentation from Experian or the furnisher ( XXXX XXXX XXXXXXXX ) supporting the reinsertion. 

When I disputed the reinsertion, Experian responded that they had updated the information, but they did not provide any proof of certification from the furnisher or the required reinsertion notice.

This violates FCRA 611 ( a ) ( 5 ) ( B ), which states that previously deleted information may not be reinserted without certification from the furnisher and prompt notice to the 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The creditor reported 30, 60, and 90-day late payments from XXXX to XX/XX/year>, but I have been paying the account as agreed during that time. I contacted the creditor to dispute these inaccuracies and requested verification, but they have not provided proof to support the late payment claims. The reported late payments are incorrect and have negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al, XXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) For Account # XXXX To Whom It May Concern : This letter serves as my formal demand, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, that you immediately stop all communication with me regarding the alleged debt you claim I owe.

You may contact me only to confirm you will stop contacting me, or to notify me of specific legal action you intend to take. Any other communication will be treated as a violation of federal law, and I will report it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
This notice is sent via certified mail and is effective upon your receipt. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint because Synchrony Bank ( SYNCB/PayPal Credit ) is reporting late payments on my account ( ending in XXXX ) to the credit bureaus. 

These late payments occurred in XX/XX/XXXX to XX/XX/XXXX, during a brief period of hardship. Since that time, I have consistently made on-time payments and have maintained the account in good standing. 

I have contacted Synchrony Bank twice, by mail and email, requesting a goodwill adjustment to remove these late payments from my credit history. My requests included documentation of my payment history and proof of my current positive standing. 

Despite these requests, the late payments remain on my credit reports. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), furnishers of credit information must ensure maximum possible accuracy and may remove information that is outdated, inaccurate, or unfairly damaging when a customer is otherwise in good standing. 

I am not disputing the existence of the account, only requesting the removal of negative late payment entries as a goodwill adjustment, which is a common and permissible practice.

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 2025-08-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I thought I had received an Invoice from my Mortgage company ( Chase ) telling me my payment was behind by XXXX payment, to call the number on the letter. 
I did and they explained that it was the Chase Hardship Department. I followed their instructions to the letter but did think it odd that I had to send money via XXXX. 
I sent the money but on checking with my bank ( Chase ), no money had been deposited. 
Hence I am still two payments behind.

I have all the documentation and texts from these transactions and have attached them to you. 
in the meantime here are the details below, I have also notified the XXXX police XXXX, the ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I walked into the wells fargo branch on XXXX and was immediately discriminated against because my appearance, A XXXX  woman yelled out bizarre as soon as I walk through the door and when I asked her was she talking to me she got quiet, then not only did the teller who helped me look at me weird, I was told that I can not get my check my cashed at that location because my drivers license did not have my married name on it, but I still provided my Social Security card when they ask for two pieces of identifying information. I also offered multiple different documents that showed my last name that was on my check. They said the only items that I could use was either a passport or an updated ID card, which I think is not true. I absolutely believe I was discriminated against because of my appearance.

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 2025-08-11 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: PA

Complaint narrative:
Hi, My names is XXXX XXXX reaching out today in regards to information being on my file that shouldn't be. Information such as : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : The payment history for XX/XX/XXXX and XX/XX/XXXX is inconsistent and unverifiable. Under 15 USC 1666b, payment application and billing must be reported correctly. 
Request : Remove due to reporting errors and unverifiable payment data. 
XXXX XXXX Account # : XXXX Issue : Multiple duplicate entries across other bureaus with differing balances and inconsistent reporting dates.

Request : Investigate and delete due to reporting inconsistencies under 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX Account # : XXXX Issue : Recent reporting ( as of XX/XX/XXXX ) does not match the original closed date or balance previously reported. 
Request : Delete for inconsistent account history and unverifiable updates. 
XXXX Account # : XXXX Issue : This account is too old to continue reporting under FCRA guidelines and has not updated in years.

Request : Delete for outdated derogatory reporting beyond the 7-year rule per FCRA 605 ( a ) .XXXX  Account # : XXXX Issue : Payment history reporting XX/XX/XXXX and XX/XX/XXXX is inaccurate. The loan is in deferment and should not reflect late activity. 
Request : Correct or delete for inaccuracy and violation of student loan reporting practices. 
XXXX / XXXX XXXX  Account # : XXXX Issue : XX/XX/XXXX payment history is unverifiable. This account XXXX be inaccurately furnishing data. 
Request : Investigate and delete if unverifiable. 
XXXX XXXX XXXX Account # : XXXX Issue : No documentation verifying ownership or right to report this debt. 
Request : Delete under 15 USC 1681b as this may be unauthorized furnishing.

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 2025-08-11 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: PA

Complaint narrative:
Hi, My names is XXXX XXXX reaching out today in regards to information being on my file that shouldn't be. Information such as : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Issue : The payment history for XX/XX/XXXX and XX/XX/XXXX is inconsistent and unverifiable. Under 15 USC 1666b, payment application and billing must be reported correctly. 
Request : Remove due to reporting errors and unverifiable payment data. 
XXXX XXXX Account # : XXXX Issue : Multiple duplicate entries across other bureaus with differing balances and inconsistent reporting dates.

Request : Investigate and delete due to reporting inconsistencies under 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
XXXXXXXX XXXX XXXX Account # : XXXX Issue : Recent reporting ( as of XX/XX/XXXX ) does not match the original closed date or balance previously reported. 
Request : Delete for inconsistent account history and unverifiable updates. 
XXXX Account # : XXXX Issue : This account is too old to continue reporting under FCRA guidelines and has not updated in years.

Request : Delete for outdated derogatory reporting beyond the 7-year rule per FCRA 605 ( a ) .XXXX  Account # : XXXX Issue : Payment history reporting XX/XX/XXXX and XX/XX/XXXX is inaccurate. The loan is in deferment and should not reflect late activity. 
Request : Correct or delete for inaccuracy and violation of student loan reporting practices. 
XXXX / XXXX XXXX  Account # : XXXX Issue : XX/XX/XXXX payment history is unverifiable. This account XXXX be inaccurately furnishing data. 
Request : Investigate and delete if unverifiable. 
XXXX XXXX XXXX Account # : XXXX Issue : No documentation verifying ownership or right to report this debt. 
Request : Delete under 15 USC 1681b as this may be unauthorized furnishing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XX/XX/XXXX I was charged {$640.00} by XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Charged me {$1900.00} and neither of these charges were valid or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate and harmful information that has been reported on my credit file by upgrade. Inc. this negative item has significantly impacted my credit score and does not reflect the true nature of my payment activity. 
on or around XX/XX/year>, i sent a check in the amount of {$480.00} as payment toward my account with upgrade , Inc . The check was mailed to their provided mailing address UPGRADE, INC. XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX Approximately a week later i called upgrade 's, Inc customer service to confirm receipt. A representative informed me that they had received the check and it would be processed shortly. when the had still not cleared from my bank account a week after, i followed up again and was told the would be deposited that same day, however the check remained unprocessed and was never withdrawn from my account Despite my good faith effort to pay on time, i was notified in early May by a credit monitoring service that upgrade that reported a 30 days late payment on both XXXX XXXX AND XXXX, Stating that no payment was received, i immediately attempted to contact Upgrade to resolve the matter and correct the misinformation. i spoke to several representatives and requested to escalate the issue to a supervisor, but was told that the negative mark would remain on my credit file seven years. 

to support my claim, i have enclosed a copy of the original check sent to Upgrade , Inc as proof that the payment was made in good faith and on time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, my credit reports showed 30-day late payments for XXXX, XXXX, and XXXX, but I made all payments on time and in full for those months. I contacted the creditor to dispute these errors and requested a reinvestigation, but the inaccurate late payments remain on my credit reports, negatively affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MS

Complaint narrative:
I had did a bank ACH transfer for {$50.00} on XX/XX/year> and it was suppose to be made available on XX/XX/year>. They never added the money to my account so when I contacted XXXX  they had disputed it and told chime to send the money back. Chime took my from my account and sent it to regions when they never added the funds to my bank account in the first place. I called chime and told them and they did nothing about it. I also called XXXX  and they told me to call chime. I just want my money back because I was charged {$50.00} for funds I never received. I have proof and will upload the transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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