vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.
15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/year>, the account XXXX  XXXX XXXX was permanently deleted from my credit history as the result of a prior formal dispute and an FTC Identity Theft Report ( FTC Report # XXXX ) confirming that the account was opened without my authorization. However, in XX/XX/year>, the account was unlawfully reinserted into my credit report without prior notice, without the written certification required from the data furnisher, and without my consent. 
This reinsertion violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking of identity theftrelated information within XXXX business days of receiving an identity theft report. This was ignored.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA 611 ( a ) ( 5 ) ( B ) ) Prohibits reinsertion of previously deleted information unless the data furnisher provides a written certification of its accuracy and completeness. No such certification was provided.

15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA 623 ( a ) ( 3 ) ) Requires data furnishers to correct and update information previously disputed by the consumer. This was not done.

15 U.S.C. 1681i ( d ) ( FCRA 611 ( d ) ) Requires the credit reporting agency to notify the consumer in writing within 5 business days of any reinsertion. I received no such notice.

15 U.S.C. 1681b Limits the permissible purposes for furnishing or using a consumer credit report. This account was reported without any permissible purpose or my consent.

The unlawful reinsertion has caused measurable harm, including : A significant drop in my credit score.

Disruption of a pending mortgage approval process. 

Emotional distress and loss of time due to repeated disputes.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around the beginning of XXXX, XXXX, I opened a Wellsfargo Active Cash Visa. I was approved with a {$21000.00} limit. I used the card to make a number of purchases at and was in good standing. Not long after I made my first payment, wellsfargo began closing some of my bank accounts. They refused to give me any reasons as to why this is happening. They also started to close my wife 's credit cards and my Mother 's as well. Again, never giving us any reasons. None of us has ever missed a payment and are all in good standing. 

On XX/XX/XXXX they closed my Wellsfargo Active Cash Visa, as well as my wife 's, which was only in her name. I contacted Wellsfargo and asked for reasons why this was happening, as I was in good standing and making far more than the minimum payments, even though the purchases are part of the introductory offer on the card of 0 % for the first 12 months. First they said it was a 'business decision ' then it was 'confidential " A complaint was generated and sent to the wellsfargo executive office/investigation team ? around the XXXX of XXXX and after speaking with them I was told they would look into why my account ( XXXX ) were being closed and get back with me. On XXXX, XXXX, XXXX  I was contacted via telephone and told that the reasons for the account closure of the credit card was 'confidential ' and that any rewards points were forfeit.... 

I am owed, from what I see on the rewards system to be, {$190.00}, which says it is/was supposed to be redeemable on XXXX. The wellsfargo in

vestigator ( executive office person ) told me that those rewards were now forfeit. The purchases were made while the account was in good standing. In fact, the account has only ever been in good standing. It is wrong enough that I am not given any reason as to why this is happening, but it is particularly egregious that my rewards are being stolen from me and that they are doing the same to other members of my family.

They have slowly and systematically closed all of my bank accounts, my credit card, as well as my Mother 's and my wife 's. They have refused to give any of us a reason as to why this is happening and only will tell me it is 'confidential '. My oldest account with them is about XXXX XXXX XXXX and I am at a lose as to why wellsfargo could treat me and my family with such disdain.

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 2025-08-13 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX XXXX late payments on XX/XX/XXXX, from an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account was not been late on payments I attached a copy of my report to this complaint on the following dates XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding.

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 2025-08-13 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX XXXX late payments on XX/XX/XXXX, from an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account was not been late on payments I attached a copy of my report to this complaint on the following dates XX/XX/XXXX. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding.

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 2025-08-13 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: SC

Complaint narrative:
I am filing this complaint against Experian for multiple and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

I sent Experian a formal dispute letter identifying multiple inaccurate, incomplete, and/or unverifiable tradelines and demanding lawful reinvestigation under 1681i ( a ). Experian is also obligated under 1681e ( b ) to maintain maximum possible accuracy and under 1681c ( a ) to delete obsolete accounts. 

The following tradelines remain on my file despite being inaccurate or unverifiable : XXXX ( # XXXX ) : Reports charge-off with inconsistent delinquency dates, indicating impermissible re-aging in violation of 1681c and 623 ( a ) ( 5 ). Marked previously in dispute without proof of lawful verification. 
XXXX XXXX XXXX ( # XXXX ) : Inconsistent payment history ; dispute status not accurately reflected. 
XXXX XXXX XXXX  ( # XXXX ) : Over 74 months of negative reporting ; exceeds XXXXear limit under 1681c ( a ) ( 4 ) - ( 5 ). 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( multiple accounts ) : Duplicate/conflicting charge-off amounts ; data integrity failures under 1681e ( b ). 
XXXX XXXX XXXX ( multiple accounts ) : Conflicting balances and past-due amounts ; dispute status misreported in violation of 1681i ( c ). 
XXXX XXXX XXXX ( # XXXX XXXX ) : No documentation of contractual obligation ; still reporting in active dispute. 
XXXX XXXX XXXX ( # XXXX CreditNinja ) : No proof of assignment or ownership ; unverifiable under 1681i ( a ).

My dispute letter specifically demanded deletion of unverifiable accounts, correction of DOFDs, cessation of re-aging, and provision of the method of verification with contact details of furnishers. These demands have not been met.

Experians failure to correct or remove these accounts after notice constitutes willful and/or negligent noncompliance under 1681n and 1681o.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, the report must only include information that is accurate, complete, and verifiable. I request that these entries be reviewed and verified, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have been a CareCredit customer for over two years, always paying on time and usually in full before interest accrues. Without any advance written notice, CareCredit reduced my credit limit from {$10000.00} to {$4900.00}. I learned of this only through XXXX XXXX, not from CareCredit. 
This limit decrease will cause my account to exceed the new limit and trigger unexpected interest and potential over-limit fees. 
I called CareCredit on XX/XX/year>, and spoke to someone, who admitted there was nothing they could do and told me to just pay the fees. They claim they emailed me about the change, but I never received it, despite being on their mailing list and receiving all other communications. I also followed up on XX/XX/year>, to see where the email was that I was supposed to receive and ended up speaking with a supervisor who told me to just pay the fees, theres nothing they can do. 
This action has caused financial harm and appears to violate notification requirements under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, which requires written notice of significant changes to account terms. I am requesting that CareCredit either restore my credit limit until my balance is paid down or fully reverse all interest and over-limit charges caused by the limit reduction. 
I have kept documentation of my payment history, the date of the limit change, and my communications with CareCredit, including the supervisors statement.

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 2025-08-13 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: FL

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 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 2025-08-13 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ) because my credit card issuer, Apple Card support, Goldman Sachs, failed to conduct a reasonable investigation into my billing dispute and refused to credit a charge for services not delivered as agreed. 
On XX/XX/2025, I booked a hotel in XXXX, XXXX of XXXX XXXX ( XXXX ) through MXXXX XXXX ( XXXX XXXX XXXX ). My written email confirmation clearly stated XXXX. Upon verification prior to travel, I discovered the address did not exist. As I researched the non-existing physical address, I was able to get in contact with the XXXX parent company of the hotel. They provided contact information of their only property that they have in XXXX. That is when I discovered that the merchant had actually booked me in XXXX ( XXXX hours away ). At no given time did the merchant inform me of that booking or confirmed it. The merchant, later on, admitted in writing that their mapping system caused the error. 
I contacted the merchant for 6 days without resolution, filed a dispute with my card issuer, and booked my own hotel in XXXX at my own expense. My issuer initially issued a provisional credit but reversed it, claiming I agreed to the merchants terms and conditions, which is irrelevant because the service was never delivered as agreed. 
The issuer did not provide timely updates, ignored key evidence, and, according to one their own supervisors, they had no record of contacting the merchant or following up with me.

I request that the CFPB require my issuer to : 1. Reopen the dispute.

2. Conduct a proper investigation, including review of the merchants admission of fault and the fact that the city of XXXX hotel does not exist. 
XXXX. Issue a permanent credit for the undelivered service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Self Financial Inc.
State: AL

Complaint narrative:
I have paid off these XXXX accounts included I dont understand why they are still holding my account in the negative if they have been paid off. I would like to just have them removed from my credit, this isnt fair to still have a negative affect on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
A Synchrony Bank representative told me via chat that my XXXX XXXX XXXX would not accrue interest, but my statements show otherwise. I would like ALL communications, including unaltered text messages, to verify what I have been told. I have spoke to multiple representatives, ONLY ONE has been helpful and she kindly waved some of the fees. 
I am seeking correction of all interest and fee charges and all relevant account communications.

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 2025-08-13 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief