vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against USAA for a severe billing discrepancy and failure to resolve the issue despite multiple attempts. 

My monthly premium unexpectedly increased from {$250.00} ( XX/XX/year> bill ) to {$380.00} ( XX/XX/year> bill ), a difference of {$130.00}. 

XX/XX/year> : I spoke with three ( 3 ) different USAA representatives on this date regarding my policy and the premium. All three representatives verbally confirmed that my new going-forward monthly payment would be the {$250.00} amount. XX/XX/year> Billing : The bill arrived with a charge of {$380.00}, which is {$130.00} more than the confirmed rate. Last Attempt to Resolve ( XX/XX/year> ) : I called USAA to dispute this charge, but I was unable to get a clear resolution or an itemized explanation of the increase. Current Attempt ( Today : XX/XX/year> ) : I called again to attempt a resolution. Representative XXXX stated she could not help me because USAA 's systems are currently down and she could not access my policy or billing details. She also indicated she was unaware of the process for filing an " official complaint with USAA 's escalation team '' which I had previously requested. A manager later claimed the {$380.00} was simply the new renewal rate, but this was never disclosed to me, and the increase from the confirmed {$250.00} amount is being charged with no clear, itemized documentation. 

USAA has failed to honor the confirmed price quote, failed to provide a timely, itemized explanation for the increase, and has currently refused service due to internal system issues. 

What is your desired resolution? I request that USAA immediately provide a clear, itemized billing statement explaining exactly what the {$130.00} adjustment represents. I request that USAA review the recorded calls from XX/XX/year>, and honor the confirmed monthly premium of {$250.00} for the policy period, or at minimum, correct the XXXX bill to only reflect the current monthly renewal premium ( and waive any back-charges or unexplained fees ). I request that USAA provide a definitive contact for their internal escalation team to resolve this matter promptly, rather than being told their systems are down.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. The account is from Ideal Collection for {$980.00} reported on XX/XX/year>. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this formal complaint against XXXX XXXX ( serviced by XXXX XXXX ) for failure to correct false and misleading credit reporting related to a fully paid loan. Despite repeated efforts, XXXX, XXXX XXXX, and Experian are engaging in a circular blame game, each deflecting responsibility for resolving a clearly documented Fair Credit Reporting Act ( FCRA ) violation. 

The loan in question was paid in full on XX/XX/year>, as confirmed in writing by XXXX. Despite this, the account continues to report as charged off, unresolved, and delinquent on my credit report, even as of XX/XX/year>. This is a clear violation of FCRA 623 ( a ) ( 2 ) and 623 ( b ) failure to update and failure to conduct a reasonable investigation.

After my CFPB complaint was initially referred to the FDIC, that agency stated the matter was between me and the company ( XXXXXXXX ) and closed the file. Meanwhile, the company continues to state it is researching the issue, but has failed to correct the record, provide a substantive response, or acknowledge clear documentation.

I also filed formal complaints with : The Senate Banking Committee The House Financial Services Committee The Texas Attorney General ( XXXX  is based in Texas ) XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX  is based in Utah ) The Nevada Attorney General ( my residence ) These entities are now aware of how this fintech-bank partnership structure shields accountability. RISE blames XXXX. XXXX blames Experian. Experian says it just reports what the furnisher provides. Meanwhile, my record remains falsely damaged. 

I have requested : Full internal records relating to my account and dispute history Documentation of how the company investigated and determined the disputed tradeline is accurate I have not received this information, in violation of FCRA 609 and 611.

I am formally demanding a review of the XXXX-XXXX-XXXX  partnership structure and its apparent pattern of deflecting responsibility from one entity to another to avoid compliance with consumer protection laws. This may constitute a systemic FCRA enforcement failure under CFPB Circular XXXX, which reminds furnishers that they can not reject a consumers dispute with a not mine response without a real investigation. 
This is a live example of how a consumer can get caught in a regulatory black hole bounced from agency to agency, while the entities involved all refuse to act. I am asking the CFPB to intervene directly and compel the correction of my credit file, as well as full transparency into the companys investigation and reporting processes.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I came to Wells Fargo with almost a XXXX dollars XX/XX/year>, I now have XXXX and I am XXXX They allowed all my funds to be taken and when I asked for help they closed my account. I have been trying to get help but they refuse.

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 2025-12-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following items on my Experian credit report because they may contain inaccurate or unverifiable information. I request that Experian conduct a full investigation under the FCRA. 

CHARGED OFF ( No charged-off accounts listed for Experian ) INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please verify the purpose of these inquiries or remove them if they were unauthorized. 

LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX Please verify the accuracy of this late payment and correct it if it is incorrectly reported.

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 2025-12-01 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Perpay, Inc.
State: MI

Complaint narrative:
Subject : XXXX XXXX Incorrect, Inconsistent, and Unverifiable Reporting Across All XXXX Bureaus ( FCRA 602, 607 ( b ), 611, 623 ) I am filing a complaint regarding the reporting of XXXX XXXX on my Equifax, Experian, and TransUnion credit reports. The information being furnished is inconsistent, inaccurate, and violates multiple sections of the Fair Credit Reporting Act.

1. The Account Is Closed Yet New Late Payments Are Being Reported ( Illegal ) A closed account can not receive new late payments, and furnishers can not continue reporting new delinquency after account closure.

This violates : FCRA 623 ( a ) ( 2 ) Duty to update/ensure accuracy FCRA 607 ( b ) Maximum possible accuracy requirement FCRA 602 ( A ) Fair and accurate reporting FCRA 611 Right to dispute inaccurate information Experian is reporting a late payment and past-due balance ( {$64.00} ) on an account that is fully reported as Closed across all bureaus.

This is factually impossible and is misleading to lenders.

2. The Same Account Shows Different Balances Across All Three Bureaus Equifax : {$900.00} TransUnion : {$900.00} Experian : {$930.00} These numbers are not the same and prove the data is not fully verifiable and not being furnished in a consistent manner as required under : FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) Must report accurately FCRA 623 ( a ) ( 8 ) Duty to investigate and correct disputed information 3. Monthly Payment Reporting Is Also Inconsistent Equifax : {$71.00} Experian : {$100.00} TransUnion : ( blank / inconsistent ) The same account can not legally have three different monthly payments. This again shows the data is inaccurate, inconsistent, and unreliable, violating : FCRA 602 ( A ) FCRA 607 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) 4. Dates and Statuses Do Not Match All three reports show : Opened XX/XX/XXXX All three show : Closed XX/XX/XXXX But Experian is reporting a new late payment in XX/XX/XXXX, which is illegal for a closed account. 

This violates : FCRA 623 ( a ) ( 2 ) Duty to update FCRA 607 ( b ) Maximum accuracy FCRA 611 My right to request deletion of unverifiable information Requested Resolution Full Deletion Due to multiple inaccuracies across all three credit bureaus, and the fact that the information being furnished can not be verified consistently, I am requesting : Full deletion of the XXXX XXXX account from all credit bureaus under my rights in : FCRA 611 ( Dispute & Reinvestigation ) FCRA 623 ( a ) ( 2 ) ( Duty to Update and Correct Inaccuracies ) FCRA 607 ( b ) ( Maximum Possible Accuracy Requirement ) The current reporting is materially inaccurate, inconsistent, and harmful, and can not be considered reliable data for continued reporting. 

My Identification Information : Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is my second complaint towards capital one credit card I been paying and paying every month for over XXXX  years now and still have not paid the debt off due to late fees hide fees and the last complaint I made nothing was resolved I never received anything documentation about the response was resolved through Capital One all they stated that it was resolved and that they didn't do anything wrong but yet you keep giving me hidden fees and late fees I've been paying for over XXXX  years now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 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: CT

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 response to consumer: Closed with explanation