vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: AZ

Complaint narrative:
I am submitting this statement in support of my dispute of care regarding my visit on XX/XX/year>. I arrived at the facility XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and at no point did I anticipate that this visit would be billed or treated as an XXXX XXXX  encounter. I even made my husband wait with me before we left the house while I looked up which facilities would be covered by my insurance to be 100 % sure we would be covered. I understand that I signed a form acknowledging the XXXX  billing transition ; however, I did not fully understand the implications at the time, and I do not believe the care I received warranted emergency-level billing or intervention. 
The physician I saw quickly moved toward the possibility of XXXX XXXX XXXX, stating that based on my pain, he believed XXXX might be needed. He ordered multiple tests, including an XXXX XXXX XXXX XXXX XXXX XXXX. While he was professional in his tone, the verbiage he used caused my husband and me significant concern, and made us feel that a XXXX XXXX XXXX XXXX XXXX 
At one point in the night, he casually mentioned that XXXX or XXXX other patients were also having their XXXX XXXX that night, which felt odd and unsettling. It seemed to reinforce a narrative that XXXX XXXX was a likely and common next step for me, further amplifying XXXX XXXX He later recommended staying overnight for an XXXX but by that time, we no longer felt confident in the direction of care and chose to leave. 
Throughout the visit, I felt that my own input and perspective were being dismissed. I had just returned from XXXX less than 24 hours earlier, where I had been heavily bitten by mosquitos. I raised the possibility of XXXX XXXX, but the physician was dismissive of that suggestion. Even after discharge, I called back a few hours later to bring it up again, and he outright dismissed it. I ultimately spent XXXX hours vomiting at home and then fully recovered without medical intervention consistent with a viral illness like XXXX. 
Looking back, I feel that the care I received was not only unnecessary for my actual condition, but also left me deeply concerned about how quickly major interventions were being discussed. Had I followed through with what was suggested such as XXXX XXXX XXXX it would have permanently altered my lifestyle and health based on a conclusion that I now believe was reached too quickly and without properly considering my symptoms or travel history. He even remarked that he felt I seemed skeptical of him, and made a comment about the steak I had eaten for dinner which felt like an unfair assumption about my dietary habits being a root cause, rather than a thorough investigation of the full picture. 
For all of these reasons, I respectfully request that all charges from this visit be waived. I appreciate your time and consideration of my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because certain negative accounts remain on my credit report despite having been previously disputed. These accounts are tied to an address that no longer appears on my credit profile and has been removed for over five years. 

I requested validation of the debt, including copies of the original contracts and proof of authorization, but I have not received sufficient documentation. I also noted that at least one of these accounts has already been deleted from another credit bureau, which further supports my claim of inconsistency.

Despite my dispute, the information was not corrected or removed. This is negatively impacting my credit score and financial opportunities. I am requesting that these accounts be properly investigated and removed if the required validation can not be provided. 

I am attaching recent credit reports and supporting documents showing the inconsistencies across the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
Company wanted updated FTC report which is included with this dispute to resolve the matter of XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> fraudulent inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AutoCred, Inc.
State: OR

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by both the original creditor and the debt collector ( AutoCred ) in relation to a repossessed auto account that occurred in XXXXXXXX XXXX XXXX XXXX  The violations are as follows : Late Payments Reported After Repossession : The account continues to show late payments months after the repossession occurred. This is factually inaccurate. Once the vehicle was repossessed, I no longer had possession or control of the asset, so there should be no subsequent late payments listed. This is a direct violation of the Fair Credit Reporting Acts ( FCRA ) accuracy requirements. 

Inflated Balance After Auction Sale : My credit reports ( XXXX XXXX XXXX XXXX show a remaining balance of {$10000.00}. However, it appears that a payment of {$2400.00} was posted on XX/XX/XXXX, which I believe reflects proceeds from the vehicles auction sale. Despite this, the balance was not properly adjusted to reflect the post-sale credit, and no explanation was provided. Additionally, a payment of {$820.00} was reported in XX/XX/XXXX, which I did not make. This creates further confusion and appears fraudulent. 

Incorrect Loan Type Reporting : The loan is being reported as a standard " Auto Loan '' or " Installment Loan, '' when in fact it was structured as a " Credit Sale Agreement. '' This is a misclassification and further misleads underwriters and future lenders. 

Despite attempts to clarify this with the credit bureaus and AutoCred directly, the inaccuracies remain. These incorrect entries are damaging my credit profile, and I request that the CFPB assist in correcting or removing this account due to violations of accuracy, failure to update post-repo data, and misrepresentation of loan terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
FCRA Violations : Wells Fargo Charged-Off Account Misreporting, Double Collection, and Deceptive Tradeline Manipulation. 

Complaint : I am filing this complaint for enforcement review regarding Wells Fargos unlawful credit reporting and collection conduct in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) & 1681s-2 ( b ), and the CFPBs authority under 12 U.S.C. 5531 & 5536 ( UDAAP ).

Facts : 1. Wells Fargo charged off my account but continues to report the account inaccurately while engaging in collection activity.

2. After I disputed the tradeline, Wells Fargo altered the reporting language from Closed by Creditor to simply Closed, despite no change in the accounts true status.

3. Wells Fargos ongoing attempts to collect on a charged-off account while simultaneously misrepresenting its status is false, misleading, and materially damaging to my credit profile.

This is not merely an errorit is a knowing violation of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information with actual knowledge of inaccuracies ) and FCRA 607 ( b ) ( failure to maintain reasonable procedures to assure accuracy ). Additionally, this conduct constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under CFPB enforcement standards.

Harm : This misreporting has caused : Damage to my credit score and financial reputation. 
Ongoing collection harassment for a debt that has already been charged off. 
Increased difficulty obtaining credit or favorable terms due to Wells Fargos deceptive credit furnishing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX  (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), XXXX XXXX (Account # XXXX), DEPT ED/XXXX (Account # XXXX), DEPT ED/XXXX  (Account # XXXX), XXXX  (Account # XXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: WV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On Friday XX/XX/XXXX, I received email from American Express demanding {$7300.00} payment by Monday XX/XX/XXXX to avoid credit limit reduction. This gave me less than one business day since banks are closed weekends.

This was unscheduled payment- not my regular due date. When I called, representatives said this amount is required to " demonstrate ability to support spending needs '' and avoid automatic limit cut.

I explained that one business day is unreasonable for such amount. Money transfers take 2-3 business days minimum. I requested an extension to Friday XX/XX/XXXX - still significantly earlier than my original due date XX/XX/XXXX. 

Multiple representatives and supervisor refused any timeline extension, claiming " system doesn't allow '' changes. They said only ACH payment by Monday XXXX would work, ignoring that I need time to move funds to checking account. 

I informed them I have large balance transfer ( several times larger than {$7300.00} required ) posting to this account next week, which will significantly reduce utilization ratio - the exact concern they claim to have. They refused to consider this information or wait for it. 

Representatives admitted they will " likely reduce limit Monday anyway '' then I can " call back to appeal '' with no guarantees. This appears designed to force limit reduction regardless of risk improvement. 

Timeline seems deliberately unreasonable - Friday notice for Monday action when financial institutions are closed. This looks like violation of fair lending practices requiring reasonable timeframes for credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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