vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-28 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: NC

Complaint narrative:
I am submitting a dispute regarding a closed and paid auto loan account that continues to appear on my credit report with potential negative impact. The account is with XXXX XXXX, Account Number : XXXX. This loan has been paid in full and is no longer active, yet it remains on my consumer report without being properly updated or removed.

A

ccording to the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate, complete, and up to date. Continued reporting of a paid account that is no longer valid may violate FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy. I am requesting an investigation into this matter and for the account to be either updated to reflect its correct paid/closed status or removed entirely if it no longer serves a legally required purpose.

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 2025-06-28 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: NC

Complaint narrative:
I am submitting a dispute regarding a closed and paid auto loan account that continues to appear on my credit report with potential negative impact. The account is with XXXX XXXX, Account Number : XXXX. This loan has been paid in full and is no longer active, yet it remains on my consumer report without being properly updated or removed.

According to the Fair Credit Reporting Act ( FCRA ), information on a credit report must be accurate, complete, and up to date. Continued reporting of a paid account that is no longer valid may violate FCRA 607 ( b ), which requires credit reporting agencies to maintain maximum possible accuracy.

I am requesting an investigation into this matter and for the account to be either updated to reflect its correct paid/closed status or removed entirely if it no longer serves a legally required purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CT

Complaint narrative:
I am writing to formally file a complaint against Discover Bank regarding the unexpected and unexplained closure of my Discover It credit card account ending in XXXX. This action occurred without any prior written notice, explanation, or opportunity to address any issues, which I believe violates federal consumer protection laws.

I had maintained this account responsibly for years, consistently paying more than the minimum amount due. The account was closed without warning while I was attempting to make a payment. This sudden closure has had a negative impact on my credit score and has directly affected my small landscaping business, which relies on personal credit for financing equipment and operations.

Although I have experienced temporary financial challenges due to a tenant unlawfully locking me out of one of my rental properties, I continued to make payments on my obligations. I received no advance communication from Discover Bank prior to the closure. When I called on XX/XX/year>, I was told a letter dated XX/XX/year> had been sent. I never received this letter. 

Applicable Law According to the Truth in Lending Act ( 15 U.S. Code 1637 ( i ) ) and Regulation Z, credit card issuers are required to provide at least 45 days written notice before making significant changes to account terms, including : Reductions in credit limits Increases in APR Introduction of new fees Account closures due to credit reviews To date, I have received no such notice from Discover Bank. This lack of communication appears to be in violation of these regulations.

I am respectfully requesting the following actions : Provide documentation of any notice that was allegedly sent regarding the account closure, including the date and method of delivery.

If such notice was not provided, reverse any adverse action taken on the account.

Remove any fees, penalties, or negative credit reporting that resulted from these actions.

Treat this letter as a formal dispute of any credit bureau reporting related to this issue.

Reinstate my credit limit and correct my credit report. As both the closure and limit reduction negatively affect my credit utilization and score, I am suffering undue harm.

Respond to this dispute in writing within 30 days, in accordance with federal requirements.

I rely on my personal credit to support my self-employment, and these abrupt actions have significantly disrupted my financial stability and business operations.

Thank you for your attention and for investigating this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>, I received a letter from the company stating that they would not investigate my dispute regarding a late payment reporting on my credit report. I responded on XX/XX/year>, clearly stating that I am the consumer initiating the dispute and that I have the right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or unverifiable information. 

Despite this, the company has failed to provide any documentation or verification to support the accuracy of the late payment. Refusing to investigate based solely on the assumption that the dispute was submitted by a third party is a violation of FCRA 1681i. The company must conduct a proper reinvestigation or delete the unverifiable information from my credit report. 

I am requesting the CFPB to intervene and ensure that this matter is properly addressed in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Let me be absolutely clearthis complaint is legitimate and demands your immediate attention. My credit report contains inaccurate and misleading information that fails to meet the legal requirement of maximum possible accuracy. These are not trivial errorsthey are actively damaging my financial standing and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a personal loan. The verification process revealed that my credit report shows fraudulent activity due to a recent data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life in credit health. I am writing to formally request the removal of an account that is currently listed on my credit report according to a recent investigation conducted by XXXX XXXX. The checking account reference in the documents provided by XXXX XXXX, which was used as proof of activity for the associated credit card, has already been thoroughly investigated. XXXX XXXX determined that the checking account in question does not belong to me as I stated from the very beginning.

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 2025-06-28 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: GA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been detrimental to my life in credit health. I am writing to formally request the removal of an account that is currently listed on my credit report according to a recent investigation conducted by XXXX XXXX. The checking account reference in the documents provided by XXXX XXXX, which was used as proof of activity for the associated credit card, has already been thoroughly investigated. XXXX XXXX determined that the checking account in question does not belong to me as I stated from the very beginning.

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 2025-06-28 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: AL

Complaint narrative:
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 XXXX  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
Consumer complaint received 2025-06-28 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:
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 non-monetary relief
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
I had three credit cards with XXXX  XXXX I made a payment the day before my pay date thinking my money would be there to cover the payment. Capital one immediately closed all three of my accounts at the same time even though they were all current. Also I just paid the balance on one of the cards off which was {$440.00} and after paying it off they reported the account to credit bureau on XX/XX/year> as a delinquent account. Its pretty unbelievable

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 2025-06-28 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: IN

Complaint narrative:
I had autopay set up but somehow it shows XXXX  days past due in XX/XX/year> & still affecting my credit additionally they cancelled my card due to non use & by cancelling my card it dinged my credit that i am trying to repair - It looks like i had XXXX different accounts & thats how i think this 60 day late happened

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DailyPay, Inc
State: SC

Complaint narrative:
On [ insert date ], I became the direct target of a series of unauthorized, unethical, and retaliatory actions by DailyPay that not only disrupted my financial life, but ultimately contributed to the loss of my job. Let me be abundantly clear : this is not a matter of confusion. This is a matter of blatant interference, negligence, and evasion by a financial intermediary that operates with no visible accountability.

DailyPay rerouted my paycheck without my authorization to a XXXX XXXX account I never consented to use. I discovered this only after days of financial instability, confusion, and stress. Neither my employer nor DailyPay ever explained that this was happening behind the scenesuntil I was already affected. I attempted multiple times to correct the deposit information and made it explicitly clear that the funds should be routed to the account of my choice. Still, DailyPay continued to override my changes, forcibly redirecting my wages without permission. 

On [ insert date ], I legally recorded a phone call with a DailyPay representative, in accordance with XXXX XXXX one-party consent law. I clearly disclosed this recording. The representative immediately disconnected the call. No apology. No acknowledgment. No follow-up. Just silence. This wasnt a coincidenceit was retaliation. 

Since that moment, not a single follow-up email has been sent to recap what occurred on the call. No explanation. No accountability. Nothing but a corporate disappearing act. And while they vanished, my money remained withheld. 

This entire chain of eventsunauthorized wage redirection, denial of access to earned income, retaliatory call hang-up after exercising a legal right, and complete silence from the companycreated a situation so volatile that I was ultimately terminated from my job while still awaiting resolution and owed funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I have contacted Current Multiple times through email, which is their only available contact method and have asked multiple times to attempt to pay the {$120.00} that they claim I owe and they have refused to give me a way to pay and have even threatened to send me to fraud and continue to ruin my credit without allowing me to make any sort of payment or giving me a way to make a payment. I have emails showing their refusal. XXXX from Current has been my email contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
I was incarcerated from XXXX until XXXX of XXXX and sometime in XXXX someone living in another state used my identity to take college classes the loan is outstanding and negatively effecting my credit at this time.I have submitted disputes to the company to no avail I'm told I have to file a police report in order to dispute the account. I believe this to be unnecessary as I was incarcerated and have the proof of same and it would have been impossible for me to take these classes I have attempted to resolve this matter with the company directly to no avail.

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 2025-06-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I attempted on XX/XX/year> to use my American Express XXXX to do an online purchase at XXXX XXXX in the amount of {$190.00} through multiple attempts. I had already activated the card and after the multiple attempts failing, I went online to confirm I had sufficient funds and not only did it say I did have sufficient funds, it said the card was active, yet I was still not able to complete the transaction. Trying to resolve this issue, I attempted to call all forms of provided customer service phone numbers, however all I received was automated messages of their activation processes and general information on frequently asked questions and could not get connected to a representative.

Company response to consumer: Closed with monetary relief