vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I purchased a washer and dryer from a store called XXXX XXXX in XXXX New York. They offered a Wells Fargo XXXX plan for 0 % financing. I received paper statements the duration of the loan until the last payment when the bank switched me to paperless without my knowledge or consent. I did not receive a paper statement or email and this caused me to be late with my payment. The only reason that I even realizied I was late was because the bank texted me the account is past due. I called them and they said I was notified by email which I never was that they changed my last bill to paperless and said that I should know when my bill is due after paying it every month. They then told me that they were charging me interest and fees from day XXXX of the purchase. I asked to speak with management and they sent it to their escalation department who never acknowledged that they switched me to paperless without permission and told me to pay around {$200.00} in interest or threatened to put me in collections by XX/XX/year>. I have made multiple attempts to make my last payment minus the interest but they would rather operate in shady business practices. The statement before the last payment due date was never sent out. Wells Fargo changed me to paperless statements with no permission or consent. I think this was done intentionally in order to make me late and make sure I paid interest on the account.

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 2025-11-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

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 2025-11-19 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: TX

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 XXXX Code XXXX 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 ( XXXX ) 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 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 2025-11-19 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: U.S. BANCORP
State: TX

Complaint narrative:
Got the letter from US Bank regarding this dispute but USBank is only talking about XXXX way to send the documents related to this dispute via XXXX Mail or Fax. US Bank didnt offer any way to upload the document. Called US Bank, first representative stated that we dont have any way to have dispute documents uploaded, you need to send by XXXX Mail XXXX Fax. She connected me to another customer service, who did screen share session and later found out that for this dispute I can not upload any documents related to this dispute. 
End of the day, once again I need to use my own envelope and put my own stamps to send these dispute document. This is extra expense for me. US Bank never provide postage paid envelope which is of right size. 
This is happening with me for so long. For last XXXX disputes, I end up spending around {$5.00} from my pocket. 
Moreover, if I am sending it by XXXX, they have very tough deadline by XXXX XX/XX/year>. 
Who uses fax now? Not every home has fax. 


XXXX need to understand that US Bank try to hire XXXX visa workers for IT. One can see how bad their website is that one can not even upload dispute document. 


Previous complaint -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CFPB complaint XXXX  XXXX Date XXXX XX/XX/year> I have US Bank XXXX Credit card XXXX in XXXX. I filed a dispute against VFS for {$300.00} ( dispute XXXX XXXXXXXX ) by calling them over phone. It is going thru the same way as the previous dispute for Car rental ( XXXXXXXX ) for which I have to file multiple CFPB complaints. Latest XXXX CFPB complaint XXXX submitted on XXXX XX/XX/year>. This is always the problem here is how US Bank kills the customers dispute XXXX. First delay the process XXXX. No way customer is able to upload the document XXXX. Then Customer is actually fighting with US bank rather than the merchant ( with disputed transaction ) XXXX. Then US Bank closes the dispute XXXX. Customer has to file CFPB complaint I want to make sure US Bank, take care of the customer dispute rather than waste time. Overall, very inefficient and inept bank. Called customer service and talked to Representative and his supervisor XXXX XXXX XXXX -who has no solution to offer.

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 2025-11-19 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-19 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: TX

Complaint narrative:
My account with XXXX card account XXXXXXXX XXXX XXXX XXXX XXXX has been reported to Expedia, XXXX, XXXX  with many different and erroneous results.

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 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint to address continuing inaccuracies on my credit report that have not been corrected despite multiple reinvestigation requests, and this now serves as my third formal correction notice. I am not requesting deletion or removal of any accountsonly accurate reporting in compliance with federal law. My XXXX  XXXX account ending in XXXX is being inaccurately reported with late notations of 30 days in XXXX XXXX, 60 days in XX/XX/year>, and 90 days in both XXXX and XX/XX/year>, even though the account remains open, active, and in repayment. These late marks are inconsistent with my verified payment records and violate FCRA 607 ( b ), which mandates maximum possible accuracy, as well as FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as furnishers may not report information they know or should know is inaccurate and must promptly correct any incomplete or erroneous data. This misreporting also constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) due to improper posting or misapplication of payments not caused by the consumer. Additionally, my XXXX XXXX account ending in XXXX is being inaccurately reported with repeated XXXX late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year>, even though the account is shown as active and current, which is logically contradictory and therefore unverifiable. Under FCRA 611, the credit bureau is required to conduct a reasonable reinvestigation when a consumer disputes inaccurate information, and if the data can not be verified, it must be corrected or deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ). The ongoing presence of these conflicting late marks, despite supporting documentation previously provided, violates the purpose of FCRA 602 ( a ), which guarantees fair, equitable, and accurate reporting, and it further reflects noncompliance with the reinvestigation standards established by law. The Fair and Accurate Credit Transactions Act ( FACTA ) reinforces these obligations by requiring both furnishers and consumer reporting agencies to preserve the integrity and reliability of all reported data. Since this is my third correction request, I am specifically asking that the reinvestigation be conducted through full human review rather than through automated systems, and that the bureau directly contact the furnishers to confirm payment history through verifiable internal records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: MA

Complaint narrative:
Bridgecrest is furnishing inaccurate, inconsistent, and unverifiable information to XXXX, XXXX, and XXXX  regarding an alleged auto repossession. There are major contradictions across the XXXX bureaus in the reported balance, dates of delinquency, charge-off status, date of last payment, and the deficiency amount. 

Since XXXX, I have repeatedly requested full verification directly from Bridgecrest, including : the original signed contract, full servicing/payment history, repossession order, date of repossession, pre-sale notices, proof of mailing, auction/sale receipts, sale price, and the complete deficiency balance calculation. 

Bridgecrest has not provided any of the required documentation. Despite this, they continue to verify the tradeline with the credit bureaus while failing to maintain maximum possible accuracy as required under FCRA 623 ( a ) and failing to conduct a reasonable investigation under FCRA 623 ( b ).

Because the information being furnished is conflicting, incomplete, and unsupported, the tradeline is legally unverifiable. The inaccurate reporting has caused significant harm, including denial of housing, denial of credit, increased costs, and XXXX XXXX reductions. 

I am requesting CFPB assistance to compel Bridgecrest to provide full verification or remove the tradeline immediately under FCRA 1681i ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Chime Financial Inc
State: ID

Complaint narrative:
XXXX XXXX service, it has been months ongoing trying to repay, resolve and stop use of the system they have in place. I've made efforts to not use and remove the service after repayment but they automatically deposit it to my account without my consent, leading to a cyclical unavoidable repayment. They have made no efforts to assist me in stopping these transactions and generally hang up on my calls and ask me for more and more verification information every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC
State: MO

Complaint narrative:
XXXX  made police reports based on the information provided to me by United Holding Group. 

United Holding Group has sold this debt to several collection agencies including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 

Every debt collection agency has received and removed the account from my XXXX XXXX except XXXX XXXX XXXX which is the newest agency to purchase my fraudulent information. 

XXXX  been harassed repeatedly and XXXX requesting that it stops. I would like to make a formal complaint against United Holding Group for repeated harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX To Whom It May Concern : This letter is in response to your communication dated [ Date of their communication ], regarding a debt you claim I owe. Be advised that this is not a refusal to pay, but a demand for validation made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt and request that you provide competent evidence to validate your claim that I have a legal obligation to pay. Until the debt is validated, you must cease all collection activities, including any reporting of this account to credit bureaus. I am requesting the following proof of debt : The name and address of the original creditor. A copy of the original contract or other instrument bearing my signature that proves my responsibility for this debt. A complete, itemized breakdown of the account, including the amount and nature of any additional interest and fees. The date the original creditor claims this debt became delinquent. Verification that this debt is within the statute of limitations for legal action in my state. Proof that you are licensed to collect debts in my state, including your license number. If you have already reported this account to any credit reporting agency, you must inform them that the debt is disputed. You may not take any further action to collect this debt until you have mailed me the verification requested above. Your cooperation in this matter is appreciated. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 seven 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 explanation