vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: MA

Complaint narrative:
Both of my checking and savings accounts in Upgrade Bank have been suspended since mid XXXX this year, and remains inaccessible for over 3 months. The prolonged suspension has created a serious disruption in my ability to manage my finances, and I urgently need this matter solved. 

I contacted Upgrade bank customer service multiple times in past 3 months, both through phone and email. They only mention the work is in progress for account to unfreeze my account and it might take 45 days. It has been way more than 45 days at this point, and the bank refuse to provide any more details about the progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 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: GA

Complaint narrative:
I am writing to formally dispute specific accounts, inquiries, and late payment information listed on my credit reports with the XXXX major credit bureaus. Below, I have outlined the details of the disputed information, separated by bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$35.00} XXXX XXXX  Account Number : XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance : {$890.00} Inquiries : XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I did not receive any receipt from the lounge. The merchant incorrectly added a XXXX XXXX guest charge even though I entered the restaurant/lounge alone. No guest was with me, and I did not authorize or sign for a guest fee. This is the only documentation available. Crypto.com is refusing to accept my dispute about the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
I am writing to formally dispute specific accounts, inquiries, and late payment information listed on my credit reports with the three major credit bureaus. Below, I have outlined the details of the disputed information, separated by bureau. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} Inquiries : No inquiries listed for dispute. 

Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX, I stayed at an XXXX  ( reservation code XXXX ). I was charged {$680.00} ( descriptor XXXX * XXXX ) via XXXX funded by my American Express card. The services were not as described and were unsafe : the AC did not work ( thermostat showed XXXX while set to XXXX ), the shower handle was missing, the bathroom/towels were dirty, several outlets emitted a burnt smell when used, and the TV did not work. Per a sign in the room instructing guests to contact the host or the front desk, I reported these issues in person multiple times ; I was told maintenance would come, but no one ever came and nothing was fixed. On XX/XX/year> I disputed the charge with American Express ( also provided the host listing showing working AC/TV and photos of the conditions ). Amex denied the dispute twice after the merchant submitted boilerplate about authorization, cancellation policy, and no in-app contact, without addressing my condition evidence or my in-person attempts to resolve as directed on site. I asked Amex to recode and re-review as services not as described/unsafe conditions, and to request maintenance/security logs, but the charge was rebilled. I am seeking CFPB assistance to have Amex re-review under the correct reason code and consider the photos/listing evidence demonstrating the unit was unsafe and not as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/year> - made car payment for XXXX Immediately got confirmation email that payment was received by ally on XX/XX/year> and the payment was successful. 
XX/XX/year> 7 days later I received notification that my payment was returned due to insufficient funds. 
I called ally and explained to them that the money was debited from my account on XX/XX/year> but was never returned back to me when ally stated it was. They proceeded to tell me I need to send them proof. 
XX/XX/year> I sent my bank statement for the month of XXXX to ally which confirms the money was taken from my account. Also called bank and confirmed with them. 
Ally has yet to review the proof I have sent and continues to be extremely hard to work with and get this issue resolved. I have called many many times day after day week after week for about a month and half. They are extremely rude and unprofessional. They keep running me in circles transferring my calls ignoring stalling and even hanging up on me. They are now threatening me with repossession and or late fees. I have exhausted every option and they refuse to help me resolve this situation. They will not let me speak to supervisor or manager and continue telling me I owe them for the month of XXXX still. It is going on 2 months and have yet to be able to even get close to solving the situation. I spoke to them today ( XX/XX/year> ) and they are telling me I need to resend the documentation that I sent in XXXX in pdf form even though it states they except every form but pdf and told me to call back in XXXX hours .this is extremely frustrating and unprofessional. I have all the documentation necessary to prove what I am stating is correct but they refuse to review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The company promised to remove the affected account from my credit report. I paid it off in full, and they assured me they would remove it since they owned the account. However, it has remained on my report since XXXX. I feel cheated.

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 2025-11-13 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 filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted :

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
After canceling tickets at XXXX due to a schedule change in XX/XX/year> for a full refund, I received XXXX emails for each ticket confirming this. Despite this, XXXX was delaying the refund and told me that I will get a full refund but to wait XXXX  days via chat. I waited the XXXX  days and since there was no refund forthcoming apparently, I filed XXXX disputes with American Express but recently discovered they inexplicably ruled in my favor on XXXX and not the other, despite being on the same reservation with the same full refund policy. As a result, XXXX of the charges was reapplied on the XXXX statement without any communication ( their online system doesn't work and asks me for the XXXX from a card I cancelled to prevent me from seeing messages ). I tried reopening the dispute again recently but American Express is now lying and giving me the runaround that it was already credited and says they will reopen the other ( even though I could only reopen the one that wasn't decided in my favor, which is what I did ). Why are they playing these games? I will not pay a {$700.00} annual fee for this XXXX  where they think I'm too stupid to notice. It's insulting to try to pull this XXXX with a long time customer who has premium cards. I will cancel every single card with American Express, file a complaint with my state AG and see them in court if this isn't resolved immediately. This is the worst customer service from a credit card company, especially given what I'm paying them and it's all because they decided to outsource to completely incompetent morons in another country because they hate their customers and just want them to give up in frustration. The level of dishonestly is shocking. American Express is simply trying to scam me out of nearly {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 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: MI

Complaint narrative:
TransUnion continues to report XXXX accounts with XXXX  XXXX Bankruptcy remarks even though : XXXX. XXXX  removed the bankruptcy entirely for inability to verify the public record. 
XXXX. I have active freezes on all third-party sources used for verification ( XXXX, XXXX, XXXX, XXXX ). 
XXXX. TransUnion failed to provide a legally required Method of Verification, violating FCRA 611. 
XXXX. A furnisher can not report bankruptcy remarks under FCRA 623 if the bankruptcy itself can not be verified. 
5. TransUnions reporting shows inconsistent account data, mixed XXXX accounts, and remarks tied to a non-existent public record, violating FCRA 607 ( b ).

6. Bankruptcy is a public record, and if one bureau can not verify it, then no bureau can legally verify it without documented proof. 

I am requesting the following resolution : XXXX. Delete all XXXX accounts containing inaccurate bankruptcy remarks. 
XXXX. Delete the bankruptcy entirely, since it can not be verified. 
XXXX. Provide documentation of the exact public-record source and furnisher used in verification. 

This is a clear reinvestigation failure under FCRA 611 and a reporting violation under 607 ( b ) and 623.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is currently reporting inaccurate, incomplete and unverifiable accounts on my credit report in violation of FCRA 602, 607, 609, 611

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 2025-11-13 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: GA

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report. These accounts are incorrectly reported and should be corrected or removed : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$1600.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX, Balance : {$990.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} I am disputing the late payment reporting for the following accounts. The reported late payments are inaccurate and should be corrected or removed : XXXX, Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account No : XXXXXXXX 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 2025-11-13 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXXXX/XX/year>

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 2025-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the bankruptcy process.

Company response to consumer: Closed with non-monetary relief