vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
I am writing in response to your claim that the item I disputed is not currently reporting on my TransUnion credit report. This is incorrect the account with XXXX is actively reporting and appearing on my most recent credit file. 

Your failure to accurately review the disputed item and respond accordingly is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a reinvestigation of the disputed XXXX account, including full method of verification. 

If this matter is not resolved promptly and the inaccurate information removed, I will be forced to consider all available legal remedies for noncompliance with federal consumer protection laws.

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 2025-06-08 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$580.00}

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I was charged {$23.00} on XX/XX/year> because the full statement balance of {$5000.00} was not posted in full on or before the due date of XX/XX/year>. The reason for this was I had to split the payment between XXXX different external accounts, and Wells Fargo 's system does not allow customers to make more than XXXX online one-time payment from an external account on the same day. As a result, payments of {$3700.00}, {$1100.00}, and {$120.00} were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would have gladly made all three payments on XX/XX/XXXX if their system had allowed it. Regardless, the full {$5000.00} balance was posted to my account before my following statement was processed. Today, XX/XX/XXXX, I called customer service regarding different charges, and during the call asked for the {$23.00} in interest to be credited back to my account for these reasons. I was told they would not provide a credit for the {$23.00} because they've already provided me a courtesy credit once before. XXXX XXXX  I called today because I was charged a {$25.00} late fee plus {$13.00} in interest due to paying my statement balance on XX/XX/XXXX instead of the due date of XX/XX/XXXX. I had already scheduled a one-time payment future dated for XX/XX/XXXX for the statement balance of {$760.00} ; however, on XX/XX/XXXX, I received a merchant refund which reduced the balance on my credit card to {$750.00}. Instead of processing my scheduled payment of {$760.00} and leaving me with a {$9.00} credit balance, Wells Fargo 's system cancelled my XX/XX/XXXX payment of {$760.00} because it exceeded the total balance on my account, and also did not notify me of this until XX/XX/XXXX. Therefore, I went online the next day, XX/XX/XXXX, and submitted a one-time payment for the new balance of {$750.00}, which I feel was done within a reasonable time frame. Due to this being the result of action taken by Wells Fargo and not myself, I asked for the {$25.00} and the {$13.00} to be credited back to my account. Thankfully, the representative agreed to do so ; however, because the issue is a result of system limitations on the company side, it should have been done for that reason and not as a " courtesy. ''

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 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I received a collection notice from National Credit Systems ( NCS ) for {$7700.00} allegedly owed to XXXX XXXX  XXXX XXXX. I do not recognize this debt and the notice included no supporting documents or itemized charges. 

I mailed a debt validation request to NCS, but the letter was returned by the postal service as undeliverable. This raises concerns about the legitimacy of the claim and the company 's contact practices.

To date, NCS has not provided any validation, and the original notice failed to clearly disclose my rights under the FDCPA. I am requesting proper debt validation, a valid mailing address, and a pause in all collection or reporting activity until the debt is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a debt that has recently appeared on my credit report and to request the immediate removal of the associated account, which I believe to be fraudulent. 

In early XX/XX/year>, I received a letter from First Credit Services regarding a debt allegedly owed to a company called " XXXX XXXX '' a company I had never heard of prior to receiving this correspondence. I contacted First Credit Services immediately to dispute the debt and informed them that I believed the account in question may have been fraudulently opened using my Social Security Number. During that call, I was assured that I would be sent additional information about the account. I provided my current address for that purpose ; however, I never received any follow-up documentation. 

Approximately XXXX months later, at the end of XX/XX/year>, I noticed a dramatic drop in my credit score of over XXXX points. Upon investigation, I discovered that this was due to the placement of the aforementioned debt on my credit reportdespite having been told it would not be reported until my dispute was resolved. 

I again contacted the debt collector listed on my credit report and confirmed it was the same agency, First Credit Services. During this second conversation, I was told that the account included an email address that does not belong to me, an address in XXXX, XXXX  ( a location where I have never lived ), and was listed under a womans name. I reiterated that none of this information is associated with me and that the account is clearly fraudulent. 

I was informed that I would need to complete a form to initiate a formal fraud investigation and that the required documents would be sent to me by mail. As of today, I have still not received any documentation or forms, despite multiple assurances. 

Additionally, I am in possession of a letter from First Credit Services that states the debt would not be reported to credit bureaus while under dispute. Yet, it was reported, causing significant damage to my credit standing.

Given the circumstances, I respectfully request : Immediate removal of this fraudulent account from all credit bureaus ; Written confirmation that the debt has been removed and that no further negative reporting will occur ; Expedited delivery of any forms or documents required to formally resolve this matter. 

Please treat this matter with urgency. I am prepared to escalate this issue to the appropriate regulatory authorities if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> mailed letter to Midland Credit Management advising I do not accept ownership of the debt. However, Im trying to clear credit up and I offered settlement amount in exchange for DELETION of the account. So a pay to delete. Original creditor was XXXXXXXX XXXX XXXX. I offered to pay {$120.00} in exchange for deletion from credit. Have not heard a word back from them. Letter was giving them 15 days for response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/year> I contact the credit bureaus and advised them of the issue however, I sent tons and contacted them over the phone and they continue to hold the inaccurate information and ignore my request. Please assist with this 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: WI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/2021 ] * * The highlighted info can be obtained directly from your credit report. If you need assistance with getting your credit report please see the instructions page included. 
It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a formal request pursuant to FCRA 611 ( 15 U.S.C. 1681i ) for the method of verification used to validate certain accounts previously disputed in my CFPB complaint filed on XX/XX/year>. Equifax marked some these disputed accounts as " verified, '' but failed to provide evidence of how or from whom the information was verified. 

As allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting that you provide : 1. The name, address, and contact information of the source that verified each disputed account.

2. The method used in the investigation of these accounts.

3. A copy of any documentation or evidence provided by the furnisher in support of its verification.

4. Confirmation that your reinvestigation complied with all applicable requirements under the FCRA.

If you are unable to provide this information, or if the furnisher of the data failed to properly verify the accuracy of the disputed accounts, you are legally required to delete them from my credit report immediately. 

The disputed accounts in question include : - XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX This request is in direct reference to the accounts raised in my prior CFPB complaint. I have included copies of my previous FTC Report. Please treat this as a reinvestigation request under the FCRA and respond within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies/unauthorized accounts. information regarding the my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX sent letter to XXXX XXXX advising not taking responsibility for the debt. However, will to compromise to clear credit. Willing to do a pay to delete in the amount of {$160.00} contingent upon receiving written notification of the agreement within 15 days. I have not received any correspondence regarding this letter. Since that letter was sent addt ' l information has come to light. There is significant conflicting information regarding payments between the credit bureaus. Addt ' l letter was sent XX/XX/XXXX regarding the credit bureau discrepancies under the Fair Credit Reporting Act.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed every negative account reporting across all three credit bureaus Experian, Equifax, and TransUnion repeatedly since 2020. These disputes have been sent via certified mail, including formal Method of Verification ( MOV ) requests, and were supported by compliance software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These CRAs have repeatedly verified inaccurate or unverifiable data, including accounts already discharged in bankruptcy, re-aged debts, and derogatories with no lawful documentation ever produced. This is a willful, multi-year pattern of FCRA noncompliance.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed every negative account reporting across all three credit bureaus Experian, Equifax, and TransUnion repeatedly since 2020. These disputes have been sent via certified mail, including formal Method of Verification ( MOV ) requests, and were supported by compliance software that identified all score impacting data for automated disputing. Despite these efforts, the same negative accounts remain, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These CRAs have repeatedly verified inaccurate or unverifiable data, including accounts already discharged in bankruptcy, re-aged debts, and derogatories with no lawful documentation ever produced. This is a willful, multi-year pattern of FCRA noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I recently submitted a dispute to XXXX regarding an inaccurately reported late payment on my credit report. Following the investigation, XXXX stated that the account in question had been updated. However, upon review, no visible changes were made to the reporting, and the late payment remains reflected on the account. 

In contrast, both XXXX  and XXXX conducted their own investigations into the same account and concluded there was no late payment. They promptly updated their records to reflect this finding. Given that all three credit bureaus rely on the same data sources provided by the creditor, it is unclear how XXXX investigation yielded a different result. 

This inconsistency raises concerns about the thoroughness and accuracy of XXXX investigation process. I am requesting a reinvestigation into this matter and a correction to ensure my credit report accurately reflects my payment history, consistent with the updates made by XXXX and 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 2025-06-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint Is basically an update to complaint # XXXX filed a year ago. They responded back to me and denied the claim saying pretty much they will do whatever they want you guys don't tell them what to do. Anyways I just gave up at first but then I recieved a notice about a classaction lawsuit and you guys fining them and so on. So part of the lawsuit says they have to payback claims that were filed during a lock period of your account and that lockout period is determined by there investigating department and my lockout period was determined from banknof america to be starting XX/XX/XXXX locked out until XX/XX/XXXX. The claim I file were for transactions of XXXX and. XXXX of XXXX. Which is when I had no access to XXXX  account determined by bank of america. So I refined with them and I have not got no response back I am tired of waiting and going through this. I was locked out of account for 40 months when covid was going around and that was my only source of income. And since I have and additional 1 year and a 1/2 just to recieve my funds that were stolen from me and held hostage from bank of america. I don't understand why I have to continue waiting. They themselves have determined I was locked out of my account covering the dates of my claim and has been ordered by the court to refund these account claims. Thank you for your time and help hope to here back soon. Have a nice weekend and enjoy your day

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 2025-06-08 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: IL

Complaint narrative:
I recently submitted a dispute to Experian regarding an inaccurately reported late payment on my credit report. Following the investigation, Experian stated that the account in question had been updated. However, upon review, no visible changes were made to the reporting, and the late payment remains reflected on the account. 

In contrast, both XXXX  and XXXX  conducted their own investigations into the same account and concluded there was no late payment. They promptly updated their records to reflect this finding. Given that all three credit bureaus rely on the same data sources provided by the creditor, it is unclear how Experians investigation yielded a different result. 

This inconsistency raises concerns about the thoroughness and accuracy of Experians investigation process. I am requesting a reinvestigation into this matter and a correction to ensure my credit report accurately reflects my payment history, consistent with the updates made by 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