vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
I am sending this complaint as a formal consumer dispute regarding information currently being reported on my credit file. I believe strongly in maintaining accurate credit records, as credit reporting plays a significant role in financial stability, lending decisions, and long-term economic opportunity. Because of this, I regularly review my credit reports to ensure that all information being furnished is complete, accurate, and reported in compliance with federal law. During my most recent review of my credit report, I observed that three separate accounts furnished by DEPTEDXXXX, all associated with the same account series ending in XXXX, are being reported as 90 days late. These accounts were opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and currently reflect balances of {$3600.00}, {$3700.00}, and {$950.00}, respectively. All three accounts show a last active and reporting date of XX/XX/XXXX, indicating that they remain open, active, and ongoing obligations. 
While I acknowledge these accounts as mine, the manner in which they are currently being reported does not accurately reflect their true status or the way in which they have been handled. Reporting each of these accounts as severely delinquent creates a misleading impression of my payment history and overall financial responsibility. Given their active status and continued reporting, the information currently appearing on my file does not tell the full or accurate story of these obligations.

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 2025-12-18 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NY

Complaint narrative:
I called and asked for a lower rate, they honored it just for a few short months. It allowed me to lower my balance a little bit. They charged an outrageous fee after that and now Im paying very high interest rates, and my balance is constantly getting higher and higher even though I am making {$200.00} a month payments. I was told that only {$17.00} is whats getting paid per month and the rest is going to interest rates. I cant Emphasize enough how much I need to have this lowered and how much I feel. I am a victim of malicious interest rates. I feel that Im a victim because they increased my rate, knowing that I struggled to pay it off. And now I am drowning in credit card debt. I asked them if I can possibly have it reduced again and they declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of the reporting on this account, which is currently listed as Charged off as bad debt / Closed account. This information is not an accurate reflection of the accounts history or present status. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate, complete, and capable of being fully verified. I am requesting that this account be reinvestigated in accordance with FCRA 611. If the furnisher can not provide verified, accurate, and complete documentation supporting the charge-off notation, I am requesting that the account be deleted from all of my credit reports to ensure compliance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I received a notice of unusual activity on my Chime bank account app, and was told my account features were paused to prevent any fraud. I sat on the phone for XXXX minutes, and when someone finally answered, they placed me on hold again with no wait music or any sort of communication. Just no sound blank call. If I said something, the representative would reply and ask what I said, but never giving me any more information. Its as if he was there but just wasnt doing anything. Now when I call, it tells me theres a XXXX minute wait, and when I wait XXXX minutes, they just tell me to wait again. They reactivated my account for all of XXXX minutes at XXXX, just to deactivate it again without any warning or real reason, just to protect me against fraud but there was no fraudulent activity. All transactions looked normal and I had made them. They refuse me access to my money and I get paid in XXXX day, which they wont let me move money from. Something is very wrong here because they wont let me get through to a real person to discuss my problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am not liable for this debt with XXXX. The current creditor, the CCS ( Credit Collection Services ) companies, has not provided any paperwork or contract as I requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NY

Complaint narrative:
XXXX XXXX online open us bank platinum business checking account ( XXXX ) and initial deposit {$2800.00}, and transfer {$5000.00} from XXXX XXXX  on XXXX XXXX. Total balance {$7800.00}. 
XXXX business checking account was hacked by somebody. Login username and password were changed, and contact phone number and E-mail were replace also. 
XXXX .checking accounts was unauthorized charged a lot of items by Debit card ( I didnt receive it ) ending balance was overdraft - {$730.00}. 
XXXX dispute all the unauthorized charge to us bank Fraud Department XXXX 
Claim # XXXX XXXX closed old account ( XXXX ) and replace new account ( XXXX ) XXXX branch phone transfer deposit {$4000.00}. 
XXXX XXXX items unauthorized charged were move in from old account ( XXXX ) to new account ( XXXX ) .It said : XXXX disputes item were invalid. so new account balance was $ XXXX. ( attached snapshot us bank Online bank 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 2025-12-18 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-12-18 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable items on my credit report and improper debt collection practices. XXXX  ( XXXX XXXX XXXX XXXX, {$5400.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$750.00} ) have reported debts that I dispute under DCPA 809 and FDCPA XXXX for false, misleading, and unfair practices. Additionally, my credit report contains numerous hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, many of which lack permissible purpose or remain beyond the allowable reporting period under FCRA 604, 605, 611 , and 623. I dispute all inaccurate, obsolete, or unverifiable debts and inquiries and request that any reporting cease until validation is provided, in accordance with my rights under FDCPA, DCPA, and 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable items on my credit report and improper debt collection practices. XXXX  ( XXXX XXXX XXXX XXXX, {$5400.00} ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$750.00} ) have reported debts that I dispute under DCPA 809 and FDCPA XXXX for false, misleading, and unfair practices. Additionally, my credit report contains numerous hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, many of which lack permissible purpose or remain beyond the allowable reporting period under FCRA 604, 605, 611 , and 623. I dispute all inaccurate, obsolete, or unverifiable debts and inquiries and request that any reporting cease until validation is provided, in accordance with my rights under FDCPA, DCPA, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AZ

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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 2025-12-18 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: AZ

Complaint narrative:
I wish to highlight that these accounts were opened without my consent, indicating potential fraud. I request a comprehensive investigation into these accounts and their immediate removal from my credit report. Enclosed are documents supporting my claims. I appreciate your swift attention to this issue.

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 2025-12-18 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 am filing this complaint against Experian Information Solutions , Inc. for failing to comply with its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and for continuing to publish unverified and disputed information despite receiving multiple written notices sent by XXXX. Beginning XX/XX/year>, I submitted a formal written dispute challenging the accuracy, completeness, and verification of an account reported by XXXX Card XXXX. I specifically requested that Experian conduct a reasonable reinvestigation, obtain actual verification from the furnisher, and correct or delete the account if verification could not be produced. Experian failed to provide any substantive verification. Instead, the bureau either failed to respond, issued non-responsive procedural replies, or claimed it was unable to process the dispute without addressing a single disputed item. At no time did Experian provide evidence from the furnisher, documentation supporting continued reporting, or the results of a lawful reinvestigation. On XX/XX/year>, I issued a second written notice documenting Experian failure to investigate, procedural evasion, and continued publication of disputed information. I again demanded verification and explicitly rejected reliance on automated systems such as XXXX as insufficient. Experian still failed to provide verification or correct my consumer file. On XX/XX/year>, I issued a Final Notice of Dishonor and Demand for Deletion after Experian continued reporting the account without verification. Despite multiple opportunities, Experian failed to demonstrate that it obtained or reviewed competent evidence from the furnisher before continuing publication. Experian is now continuing to report this account without having verified its accuracy, which constitutes a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and a violation of its duty to ensure maximum possible accuracy under 15 U.S.C.

1681e ( b ). Publishing disputed information without verification causes ongoing harm to my credit profile and financial standing.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sending this complaint to formally dispute two accounts on my credit report that I believe are being reported inaccurately and may be in violation of federal law. When reviewing my credit report, I was alarmed to see these accounts reported in their current status. The XXXX XXXX account is listed as a charge-off, but I have reason to believe the information reported may be incomplete or inaccurate.The first account is a charge-off with XXXX XXXX, account XXXX XXXX, showing a balance of {$6300.00}. The second account is a collection listed under XXXX XXXX, account number XXXX, showing a balance of {$230.00}. I want to provide context and explain why the reporting of these accounts is inaccurate, misleading, and legally questionable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. FCRA 623 ( a ) ( 1 ) ( A ) requires that creditors and credit reporting agencies report accurate information, and FCRA 607 ( b ) to maintain the accuracy and integrity of my credit file. Reporting unverifiable or inaccurate information is a direct violation of these statutes.Additionally, the date of first delinquency ( DOFD ) for the XXXX XXXX account may be incorrect. Under FCRA 623 ( a ) ( 5 ), the DOFD must be reported accurately, as it directly affects how long negative information can remain on a credit report. If the DOFD is inaccurate, continuing to report this account as a charge-off constitutes a misleading and legally impermissible action. FCRA 605 ( a ) also prohibits reporting obsolete information, and I am concerned that this account may include data that is too old to remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am sending this complaint to formally dispute two accounts on my credit report that I believe are being reported inaccurately and may be in violation of federal law. When reviewing my credit report, I was alarmed to see these accounts reported in their current status. The XXXX XXXX account is listed as a charge-off, but I have reason to believe the information reported may be incomplete or inaccurate.The first account is a charge-off with XXXX XXXX, account XXXX XXXX, showing a balance of {$6300.00}. The second account is a collection listed under XXXX XXXX, account number XXXX, showing a balance of {$230.00}. I want to provide context and explain why the reporting of these accounts is inaccurate, misleading, and legally questionable. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. FCRA 623 ( a ) ( 1 ) ( A ) requires that creditors and credit reporting agencies report accurate information, and FCRA 607 ( b ) to maintain the accuracy and integrity of my credit file. Reporting unverifiable or inaccurate information is a direct violation of these statutes.Additionally, the date of first delinquency ( DOFD ) for the XXXX XXXX account may be incorrect. Under FCRA 623 ( a ) ( 5 ), the DOFD must be reported accurately, as it directly affects how long negative information can remain on a credit report. If the DOFD is inaccurate, continuing to report this account as a charge-off constitutes a misleading and legally impermissible action. FCRA 605 ( a ) also prohibits reporting obsolete information, and I am concerned that this account may include data that is too old to remain on my 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 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: FL

Complaint narrative:
Product : Loan or lease Issue : Charged interest or fees I did not agree to / Deceptive practices Company : West Creek Financial , Inc. ( Koalafi ) I was offered financing through a merchant for a vehicle repair. The financing company, Koalafi ( West Creek Financial , Inc. ), structured the transaction as a lease-to-own agreement even though no tangible personal property was provided to me. 

The only thing disbursed was cash paid directly to the repair shop for services already rendered. There is no physical property to lease, possess, maintain, or return. 

This is a disguised consumer loan presented as a lease in order to avoid lending regulations and interest rate disclosure requirements. The total amount claimed exceeds three times the principal, effectively imposing an APR exceeding 200 % without disclosure as a loan.

I am disputing the validity of the agreement, the characterization of the transaction, and any negative credit reporting associated with it. I am requesting regulatory review for unfair and deceptive acts or practices ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express closed my credit card accounts following a " XXXX XXXX '' regarding income verification. While I dispute the grounds for closure, my primary complaint is the unfair and abusive practice of immediately confiscating my earned Membership Rewards points. 

Details of the Harm : Over the course of my membership, I spent money to earn XXXX points, which have an approximate cash value of {$1800.00} ( valued at XXXX cent per point ). 

By confiscating these points immediately upon closure, American Express has effectively applied a retroactive financial penalty disproportionate to the risk they claim to manage. 

New York state law currently requires credit issuers to provide a XXXX grace period for point redemption after account closure. American Express is aware that immediate forfeiture is considered a " harmful practice '' by regulators, yet they continue to enforce it on customers outside of protected jurisdictions.

Company response to consumer: Closed with explanation