vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance standards. The reported account contains inaccurate dates, an unverified furnisher contact, and what appears to be a sham or improperly verified tradeline, raising serious concerns about the accuracy and integrity of your credit reporting process. 
The furnisher XXXX under oath can they deny the payment history from there online reported documents, there is multiple and very inconsistent dates that have been reported to show the magnitude of false and unverified investigation. 
XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX at top of the attached document circle with red ribbon XXXX and at the base is showing XXXX  days circle with ribbon documents should be reviewed so illegal modification can also be seen which is crime defamation of consumer character Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 U.S.C. 1681i ( a ) requires you to conduct a reasonable reinvestigation when an items accuracy is disputed. The failure to verify the data source or furnisher contact information violates 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to report complete and accurate information and correct errors once notified. 

Furthermore, under XXXX XXXX Compliance Guidelines, any date-related fields ( such as Date Opened, Date of Last Payment, or Date of First Delinquency ) must be reported accurately and consistently. The inconsistent or falsified date reflected on my report indicates noncompliance with these standards and constitutes a willful misrepresentation of the accounts true status. 

Because these inaccuracies and unverifiable entries damage the credibility of the consumer reporting process and question the CRAs integrity, I am requesting : Immediate deletion or correction of all inaccurate or unverifiable information related to the disputed account. 

Written verification of the furnishers name, contact information, and method of verification used. 
XXXX no reliable contact information I demand full file disclosure of investigation and chain of communication to the furnisher. 
A full reinvestigation and compliance review to ensure this reporting aligns with both FCRA and XXXX XXXX standards. 

Please provide a written response within XXXX  days, as required by XXXX  law, detailing the outcome of your investigation and providing an updated copy of my credit report.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a wells fargo checking account ending in XXXX. I tried calling their phone XXXX XXXX  very much confusing - too much automation - annoying robot and some how if i get thru the bot - humans are not available. 
Account balance is XXXX. Please close 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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Say I owe XXXX to XXXX XXXX but I cancelled the membership and still getting charged XXXX dollars when its closed?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of certain items appearing on my consumer report. Under the Fair Credit Reporting Act ( FCRA ) 609 and 611, please reinvestigate the items identified below and remove any information that is inaccurate, incomplete, obsolete, or can not be verified.

Additionally, please correct my identifying information. My legal and official name is XXXX XXXX XXXX, as shown on my government issued identification. Remove these 2 tradelines, and inquiries, or personal data reported under any other name variations. Any accounts non matching my name variations are inaccurate and unverifiable and must be deleted in accordance with FCRA 611 ( a ) ( 5 ) and 605. 
Disputed Accounts : XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off. Please verify the complete chain of title, account ownership, the date of last payment, and balance computation with documentation from the original creditor. If the information can not be fully verified, delete this account. 
XXXX XXXX Acct XXXX XXXXXXXX : Reported as a charge-off from 2019. This is obsolete under FCRA 605 ( a ) ( 4 ) ( sevenyear reporting limit ) and must be removed

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 2025-10-29 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: PR

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate and unverified late payments for the account AUSTINCAPBK ( Account XXXX. XXXX ) on my credit report. Specifically, Experian shows a late payment for XX/XX/XXXX, even though the payment was made on time. 

I have already contacted Experian through a formal dispute letter, providing proof of timely payments and highlighting the inaccurate entries on my credit report. Despite this, Experian has continued to publish the incorrect information, causing harm to my credit reputation, including higher interest rates, declined credit opportunities, and emotional distress. 
This reporting violates several sections of the Fair Credit Reporting Act ( FCRA ), including : 607 ( b ) : Duty to ensure maximum possible accuracy 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation within 30 days 623 ( a ) ( 2 ) : Failure of the furnisher to correct or delete information known to be inaccurate 623 ( a ) ( 7 ) : No prior written notice was provided before negative information was reported I also cited Cushman v. TransUnion ( 115 F.3d 220, 3rd Cir. 1997 ), which clarifies that a reinvestigation relying solely on automated confirmation from the furnisher does not meet the FCRAs requirement for a reasonable reinvestigation. 

Despite providing verifiable evidence, Experian has failed to correct or delete the false late payment, continuing to report inaccurate data that harms me financially.

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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB Management Services is reporting or attempting to collect on an alleged debt that has not been validated and may be the result of identity theft. The consumer is a confirmed victim of the 2017 Equifax data breach, which exposed sensitive personal information. No signed contract, itemized statement, or evidence of assignment from the original creditor has been provided to establish that NCB Management has any right to collect or report this account. Continued collection and reporting without proper validation violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

The consumer has not authorized any new accounts or collection activity related to this alleged debt and disputes its validity in full. This complaint is being filed to request investigation and removal of the account from all consumer credit reports unless full validation is produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: RI

Complaint narrative:
I applied for the American Express XXXX XXXX XXXX card in XXXX  because of the advertised 0 % APR for 12 months on purchases. I used the card responsibly for business expenses while building my restaurant, XXXX XXXX XXXX XXXX XXXX. Unfortunately, due to temporary cash flow delays, I missed one monthly payment by mistake. After that, American Express revoked my entire 0 % APR promotion and raised the rate to 29.99 %, without any prior warning or grace period.

This was extremely unexpected and not clearly disclosed in the original offer materials. The main marketing emphasized 0 % APR for 12 months, but did not clearly state that the entire promotional rate could be forfeited after a single late payment. I contacted American Express to request
reinstatement of the promotional APR or a hardship option, but they refused to help or explain any alternative solution.

I believe this is misleading advertising and unfair treatment of small business owners who rely on these promotions for XXXX XXXX. I am requesting that my 0 % APR promotion be reinstated or a fair adjustment be made to the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I called I C System to resolve a debt by first seeing who the debt is from. The representative would not give me any information, and told me I had to pay a fee to know that information and that was the only way to get it. I told her that is illegal, she then told me too bad, good luck on removing the credit and hung up. Her attitude was very nasty. I was simply trying to get information for a pay to delete. This call took place around XXXX pst XX/XX/year>. I allegedly owe whoever this is {$320.00}.

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 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
Summary : I am submitting this complaint against Uprova Credit , LLC for making a high-interest personal loan while unlicensed in Washington State , charging excessive interest, and attempting unauthorized withdrawals after I revoked authorization.

Details : I borrowed {$1600.00} from Uprova Credit ( Loan XXXX XXXX ) while residing in XXXX, WA. I have repaid {$1500.00} so far, yet Uprova claims I still owe {$1400.00}, which primarily represents unlawful interest and fees. 

On XX/XX/year>, I sent a formal written revocation of ACH authorization to Uprova, terminating all debit access to my XXXX account ( ending in XXXX ). Despite this, they have continued to demand payment. 

I later discovered that Uprova is not licensed to lend in Washington, as stated in the Washington State XXXX consumer alert. Under XXXX XXXX and XXXX XXXX, unlicensed lenders can not collect interest or fees beyond principal. 

I am requesting CFPB assistance to ensure : XXXX. Uprova ceases all unauthorized ACH attempts and collection activity. 
XXXX. Only the principal balance ( approximately {$88.00} ) is recognized as owed. 
XXXX. My account is marked Paid in Full once that principal is settled. 

I have attached copies of : My revocation letter ( dated XX/XX/year> ) My repayment/settlement offer email Proof of payments totaling {$1500.00} The DFI alert showing Uprovas unlicensed status

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 2025-10-29 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: IL

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must contain only accurate, complete, and verifiable information. I am requesting verification of these late payment entries, and if they can not be confirmed, they should be promptly corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: SC

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, anXXXX XXXX XXXX XXXXXX/XX/year>, I initiated disputes with Experian and Equifax, seeking the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for this request is my documented status as a victim of human trafficking, substantiated by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. Experian and Equifax declined to block the identified adverse information as statutorily required, asserting that the provided documents failed to meet their requirements for a victim determination letter and advising me to engage with a non-governmental organization ( NGO ). Furthermore, Experian and Equifax failed to provide notification of their determination to me at the designated preferred point of contact, potentially violating their obligations under the FCRA.

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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
There has been many transactions on my account that werent made by me! Too much money has been taken like XXXX has been taken off my account. Ive had a problem before with my account and had got new cards but this draws the line and I would like my money back. I havent heard anything back from chime. But this wouldnt be the first time they wouldnt give me my money back! This is lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have a credit card through XXXX I made twopayments on XX/XX/XXXX one for {$2000.00} & one for {$130.00} then I made another payment on XX/XX/XXXX for {$1000.00}. My credit limit was {$8000.00}. I was utilizing 85 % of my credit, my plan was to pay it down to be under 50 % credit usage after making these three payments. The credit card company lowered my available credit to {$99.00} above what my balance was after making {$3100.00} in payments. My available credit became {$3200.00}. This shows on my credit as I have a maxed out credit card instead of having a credit card with 40 % usage. What is the purpose of intentionally ruining someones credit when they work so hard to make it better. How is this fair practice?

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX XXXXXXXX XXXX  " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. " The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
DISCOVER CARD Account Number XXXX Responsibility Individual Account Status Closed Balance {$0.00} Remarks XXXX  Type Banking Open Date XXXX  Last Activity XXXX Highest Balance {$2800.00} Amount Past Due XXXX  Monthly Payment {$0.00} Current Payment Status AsAgreed Term Source Type XXXX  Months Reviewed XXXX  High Credit XXXX Times XX/XX/XXXX Days Late XXXX I've spotted a serious mistake on my credit report concerning the account named DISCOVER CARD. It's wrongly showing late payments for XXXX in XXXX, and I need this fixed right away.Please update it to never late and paid as agreed, and also send me the information you used to verify this account. I'm not happy about this error, and I expect it to be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FC HoldCo LLC
State: GA

Complaint narrative:
I want XXXX  to stop reporting the late payments on this account as currently late on my credit reports. The account was paid in full in 2022. They should not be reporting any lates on this account. Not only are they reporting it as currently late they have reported different days of being late on each report. This company is falsely reporting lates and should be removed from the credit bureaus. They need to correct and remove the late payments. No other auto loan company is reporting lasts after being paid off. XXXX  only supplied my old contract as prove of verifying this account on my last complaint. 

Being reported to XXXX  XXXX loans XXXX XXXX Closed XXXX Missed Being reported to XXXX  XXXX loans XXXX XXXX Closed XXXX Missed Being reported to XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Closed XXXX LATE PAYMENTS

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this formal complaint regarding inaccurate a late payment reporting on my credit file associated with the following account :. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation