vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Started the inquiry on XX/XX/XXXX, after an investigation from my accountant, who noticed our XXXX XXXX XXXX XXXX XXXX had two loan withdrawals and only one could be accounted for through Wells Fargo. We assumed all this time it was for an equipment loan through Wells Fargo XXXX XXXX XXXX XXXXXXXX. However, we can confirm that the loan amount of {$250.00} and payment to XXXX XXXX, but not the other payment, total {$250.00}. 
Disputed XXXX began on XX/XX/XXXX, for {$250.00} After logging in to my Wells Fargo online account for an existing loan, I found that my payments were higher than the contract loan agreement. The online loan statement said payments of {$470.00} should only be {$250.00}. 
I called the customer service line at Wells Fargo, and they were understanding and helpful, but multiple people from various departments could not find any record of a loan owing {$250.00} in their system. However, the confirmed loan magically changed to the correct amount of {$250.00}. 
I called XXXX XXXX XXXX where the {$250.00} is being drawn, and they could only say it was going to Wells Fargo. I met with a Wells Fargo personnel banker on XX/XX/XXXX, who understood and said I need to get tracing numbers from XXXX XXXXXXXX XXXX. As of XX/XX/XXXX, I do not have any tracing numbers and have been waiting for 2 days. The Wells Fargo personnel banker placed a dispute ( ID XXXX ) on the charges and advised me to call Wells Fargo at XXXX to request an account review, which should provide an answer to where the money is going. I kept calling and finally got through to ACH Treasury Solutions with Wells Fargo. XXXX could not find anything, and then found something, and they sent me an old loan document on a car that the loan has been satisfied, but the amount of the loan did not match the amount being withdrawn. I asked for a copy of the loan paper and received a copy of the loan, but it was for a retired car loan. Wells Fargo mentioned this could be for a XXXX XXXXXXXX XXXX which sounds correct, but the loan was satisfied and released almost a year ago, and a clear title was received for both the car and XXXX. These charges have continued to be paid well after the loans have been satisfied. Eventually, I placed a stop payment on any amounts from Wells Fargo totaling XXXXXXXX

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
b'This refers to a complaint against AMEX Goldcard promotional offer in last XXXX XXXXthat AMEX did not credit XXXX bonus miles after meeting the puchase oXXXX XXXX XXXX XXXX  I did apply for the card and upon applying received a massge that "you are Approved"(see encluse). Then upon receipt of the AMEX  Goldcard XXXX XXXX XXXX    and spent approx XXXX XXXX XXXXs. After 3-4 moths when the promotional mileage(60,000) has not been deposited to my mileafe account I call the customer service and the representative lodged an investigation and informed me to received the result within 2-3 months. But i did not receive anyhing from AMEX since then. So I did call them on XXXXXXXX and spoke with XXXX XXXX who informed me that AMEX did not approve me for the promotional offer. This seems to be a gimmick of AMEX to deprive the customers for purchasing a huge amounts of dollars without approving the benefit.\nHence I do request you for a details investigation and approve me to credit the mileage of XXXX  as promised by AMEX during issuing the card.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Express Recovery Services, Inc.
State: WY

Complaint narrative:
Express Recovery Services didn't provide everything required underRequestforValidationofDebtpursuantto15U.S.C.1692g Thenameoftheoriginalcreditor ; 2.Theoriginalaccountnumberanditemized amountowed and billing statement ( principal, interest, fees ) ; 3.Proofthatyou ( oryouragency ) arelegally authorizedtocollectthisdebtinmystate ; 4.Acopyoftheoriginalcontractoran assignmentofthedebtshowingthatithasbeentransferredtoyou ; 5.Thedateofthelastpaymentandthedateofdefault ; and 6.Anyjudgment ( ifoneexists ) andrelatedpaperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to demand an immediate re-investigation of inaccuracies on my credit report. These errors are not the result of a mistake on my part and are causing significant emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 
1681i.

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 2025-10-22 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, Citi credit card company has reduced my credit limit drastically. I have two credit cards with CITI ending in XXXX and XXXX. 

For card ending in XXXX, my credit limit was {$9100.00} and another one ending in XXXX was {$5600.00}. 

My payment history was excellent with them since in XXXX and XXXX. But they just closed it. 

First, I called them and talked to representatives, but they were giving me inaccurate and incorrect informations. 

They kept blaming on XXXX companies and also, they would not want to give me specific explanations. 

So I called XXXX XXXX XXXX  and agents told me that it is lender ( Citi Card Company ) to make a decision whether to increase or reduce my credit limit. 

Because of their thoughtless and reckless actions, my credit limit has decreased from {$9100.00} to {$4500.00} and {$6600.00} to {$5200.00} respectively. 

I asked representatives to restore my credit limit, but they declined. They kept saying that XXXX Report shows that i have bad credit history with CITI, which was UTTERLY FALSE. 

I have never missed or made late payments to Citi cards. Yet, they deliberately reduced my credit limit and simply ruined my credit score. 

I have done with all my abilities to work things out with them. But they will simply ignore and neglect me. 

So please, investigate this matter for me. 

PS : This is very very important. Even XXXX XXXX XXXX  staffs told me that Citi Card was being unfair and unjust with me. ( 1 ) My payment history was perfect. ( 2 ) My history with Citi Card was long and stable. 
Yet, they just reduced my credit limit and damaged my score. 

And Please DO NOT LET CITI CARDS retaliate against me, since I am reporting a customer complaint. 


THank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am filing this complaint because multiple inaccurate and duplicate student loan accounts and other unverifiable items continue to appear on my credit reports with Equifax, Experian, and TransUnion. Despite sending formal written disputes, the credit bureaus have failed to verify these accounts or remove the duplicates as required by law. 

The same student loan from Dept. of EducationXXXX is being reported several times as separate loans, which is a direct violation of FCRA 602 ( a ) and 607 ( b ) for failing to ensure accuracy and prevent duplicate reporting. I have also disputed other inaccurate accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX of which were reported late even though all payments were made on time. 

I also identified and disputed incorrect previous addresses appearing on my reports that are not connected to me. These bureaus have continued to report inaccurate and unverifiable information after my certified disputes were received, which constitutes violations of : FCRA 611 ( a ) ( 1 ) failure to conduct a proper reinvestigation within 30 days FCRA 611 ( a ) ( 5 ) failure to delete unverifiable or duplicated information 15 U.S.C. 1681i ( 7 ) failure to provide method of verification upon request FDCPA 807 ( 8 ) and 809 ( b ) continued collection and reporting without validation I am requesting that the Consumer Financial Protection Bureau require the credit bureaus to properly reinvestigate these accounts, remove all duplicate student loan entries, delete any unverifiable accounts, and correct inaccurate address information. Documentation of my mailed disputes and cease-and-desist letters is attached for reference.

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 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I transferred {$5000.00} to my account which then account got frozen in two days because they wanted to make sure its me whos on the account I had to submit photo ID my picture profile picture in my bank statement statements and theyre still not unfreezing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-10-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Its not mine. Didnt receive any kind of proof, written documentation that its mine. So Im asking to delete this false collection from my records

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 2025-10-22 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
I am writing to formally dispute one or more bankruptcy listed on my credit report. These entries are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe bankruptcy entries remain on my credit file without proper verification or correction. In some cases, these negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these bankruptcy entries and removal of any entries that can not be substantiated with accurate documentation.

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 2025-10-22 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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