vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: Possible Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX Possible Financial Inc. 
XXXX, WA XXXX Re : Formal Request for Removal of Late Fee ( s ) Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the late fee ( s ) recently assessed to my account. According to my records, the charge of $ [ amount ] was applied on [ date ]. I believe this fee is unwarranted based on the following : Good Faith Billing Practices ( Truth in Lending Act 15 U.S.C. 1666 ) Federal law requires that creditors promptly post payments and not charge fees if delays are due to internal processing issues or circumstances beyond the customers control. My payment on [ date ] was made on time based on the agreed payment terms, and any delay appears to have been the result of processing time on your end.

Fair Credit Billing Act Protections Under the Fair Credit Billing Act ( FCBA ), consumers have the right to dispute charges they believe to be incorrect, including fees resulting from billing errors, misapplied payments, or delays not caused by the customer.

Consumer Financial Protection Bureau ( CFPB ) Guidance The CFPB has issued guidance discouraging the assessment of punitive fees when the customer has a history of on-time payments, as these can be considered unfair or abusive under the Dodd-Frank Act ( 12 U.S.C. 5531 ).

In addition to the legal basis, I have maintained a positive payment history with your company, and this appears to be an isolated incident. I am requesting that the late fee ( s ) be removed as a courtesy and in line with responsible lending practices.

Please provide a written confirmation within 30 days stating that the late fee has been removed from my account and that no negative credit reporting will occur related to this matter.

If the matter is not resolved, I am prepared to file a formal complaint with the Consumer Financial Protection Bureau and my State Attorney Generals Office.

Thank you for your prompt attention to this matter. I look forward to an amicable resolution. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I've asked GS Card/Apple Card to furnish a signed agreement of this debt and I've never received it nor had them verify the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Dealing with erroneous entries on my credit report has been extremely aggravating, particularly when Im unaware of the debt in question. Such inaccuracies not only jeopardized my financial reputation but has also resulted in serious repercussions, including increased loan interest rates or outright credit denials. Its disconcerting to see a company continuously submit misleading information, as this has tarnished my financial record and is hindering my chances of obtaining credit in the future. I have formally requested proof of the debt from the company in accordance with the Fair Debt Collection Practices Act, specifically under the provisions of 15 USC 1692g. Despite my repeated inquiries, I have yet to receive any documentation verifying the legitimacy of the debt they claim I owe. This lack of response raises serious concerns about the validity of their claims, and it has left me perplexed about how to proceed in rectifying this situation. Without the required proof, I find it difficult to address the alleged debt, which continues to affect my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Connecticut XXXX Date : XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Aged Voluntary Repossession Credit Acceptance Co Dear XXXX  XXXX, I am writing to formally dispute and request the removal of an outdated negative item from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ).

The account in question is : * Creditor Name : Credit Acceptance Co * Account Type : Auto Loan * Account Opened : XX/XX/XXXX * Balance : {$11000.00} * Account Status : Voluntary Repossession * Reported As of : XX/XX/XXXX This account is now over seven years old, which exceeds the allowable reporting period for negative items such as repossessions. Per the FCRA, negative information such as charge-offs, collections, and repossessions may only remain on a consumer credit report for 7 years from the date of first delinquency.

Given that this account originated in XX/XX/XXXX and the delinquency appears to have occurred shortly thereafter, the reporting period has now passed. I respectfully request that this account be removed from my credit report across all reporting agencies.

Attached is a screenshot from XXXX XXXX reflecting the account details for your reference.

Please conduct a reinvestigation of this matter and provide a written confirmation once the item has been removed.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX : XX/XX/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 monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian, XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Aged Voluntary Repossession XXXX XXXXXXXX XXXX Dear Experian, I am writing to formally dispute and request the removal of an outdated negative item from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ).

The account in question is : * Creditor Name : XXXX XXXX Co * Account Type : Auto Loan * Account Opened : XX/XX/XXXX * Balance : {$11000.00} * Account Status : Voluntary Repossession * Reported As of : XX/XX/XXXX This account is now over seven years old, which exceeds the allowable reporting period for negative items such as repossessions. Per the FCRA, negative information such as charge-offs, collections, and repossessions may only remain on a consumer credit report for 7 years from the date of first delinquency. 
Given that this account originated in XX/XX/XXXX and the delinquency appears to have occurred shortly thereafter, the reporting period has now passed. I respectfully request that this account be removed from my credit report across all reporting agencies.

Attached is a screenshot from XXXX XXXX reflecting the account details for your reference.

Please conduct a reinvestigation of this matter and provide a written confirmation once the item has been removed.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX XXXX XXXXXX/XX/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 2025-08-10 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00},

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
In XX/XX/year>, I mistakenly sent {$1100.00} in XXXX to my Coinbase USDC wallet address. The transaction was completed on the XXXX XXXX, and the funds are verifiably visible at a Coinbase-controlled address. Immediately after realizing the error, I contacted Coinbase support, provided the transaction hash, and requested XXXX XXXX review. Coinbase confirmed the funds are in their custody but stated they will not return them because their systems do not process XXXX sent to a XXXX address, calling it a technical limitation. This is not a loss to the blockchain or a third partyCoinbase has full custody of my funds yet refuses to credit them back to me. They issued case number XXXX but have taken no steps toward recovery despite repeated follow-ups. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I got a offer from Wells Fargo. I applied and was denied. I got the letter stating why. They said-serious delinquency, time since deliquency to recent. Length of time account have been established. Balance from loan amount to loan balance to high. 
My credit points is approximately XXXX. All of this information is false!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian makes it impossible to cancel a membership. I'm not even exactly sure how this membership started because I don't agree with paying Experian {$25.00} a month to do what they're supposed to do anyways. I did not authorize the charge and now I am unable to get past renewing a payment in order to get to my credit report right now. I can not log into my account and even view my free credit report without the screen keeping me stuck on entering in a new payment information. When I scroll down and click on contact us and call the phone number provided, the automated system makes it impossible to get a human on the phone and there is no option to even report the fact that they charge me and I didn't authorize it! I am stuck in a loop. So they're gon na continue to try to charge my credit card and I can't cancel it right now and I can't even view my credit report. They literally give me no way to cancel this membership or to get past giving them new payment information to get to 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 monetary relief
Consumer complaint received 2025-08-10 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: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
I was charged on my debit card by a company called Active Network LLC for an " annual renewal membership ''. I never signed up for this, nor did I authorize the {$99.00} charge. I suspect somehow they did this when I signed up for a sporting event on a website. I have no idea how they got the number to my debit card. 
Of course, since I had never heard of this company, I never used their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
I have reached out to XXXX XXXX to let them know they have an incorrect account reporting on my report on the dates of XX/XX/XXXX and on XX/XX/XXXX, and I would like for it to be removed from all 3 credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
I have reached out to XXXX XXXX to let them know they have an incorrect account reporting on my report on the dates of XX/XX/XXXX and on XX/XX/XXXX, and I would like for it to be removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding an inaccurate charge-off appearing on my credit report. I believe this report is in violation of the Fair credit reporting Act and is causing significant harm to my credit report.

1. The creditor has failed to provide complete and verifiable documentation supporting the validity of this debt and the accuracy of the reporting.

2. Despite my prior disputes with the credit reporting agencies, the creditor and/or bureaus have failed to conduct a reasonable investigation as required under FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I responded to a XXXX ad for an apartment for rent. I was advised that the fees i was paying were refundable by the XXXX user. The property did not exist and when this was discovered I requested a refund from the user. I was ignored. I attempted to request the refund through PayPal and could not. I contacted PayPal and was advised that I had no choice to report the transactions as unauthorized charges. I advised I had been scammed and wanted to report the PayPal user for fraud. I was denied stating that XXXX XXXX XXXX XXXX have no buyer protection. I have attempted to report the user and seek assistance from PayPal. I am referred to various links on the website stating that there is no buyer protection plan. There are steps listed to file a claim and submit additional information for review but I have been advised that I can not use these channels at all. The PayPal user has blocked messaging from me and I am unable to contact them directly. PayPal has done nothing to investigate my concern but forward me to outside agencies to file a complaint. They have allowed the account holder to abuse their service and other PayPal account holders. I have filed the FTC complaint and IC3 complaint as advised to. I have the transaction details and messages from the XXXX user along with the messages from PayPal in regards to my request. The transactions total XXXX under account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I recieved a letter response based on my compliant. I will attach it. I understand it was not against XXXX XXXX to contact my spouse. My compliant was the way he was contacted. He was pressured and harassed to pay and told it wasn't negotiatable even though. united collection bureau consolidated it with XXXX XXXX. In addition, they still claim there was no communication. XXXX XXXX has been communicated since XXXX had the loans. I dont appreciate this continuing. Their agent stated they weren't contacted, then stated they were, then said they wouldn't call XXXX XXXX To me, that sounds like you have been contacted and just were refusing and then trying to scapegoat the blame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate business information currently reported for XXXX XXXX XXXX. under Customer Reference Number : XXXX. 

The incorrect address currently reported is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct, updated business address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nav Technologies, Inc.
State: GA

Complaint narrative:
I am writing to dispute inaccurate business information currently reported for XXXX XXXX XXXX. under Customer Reference Number : XXXX. 

The incorrect address currently reported is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The correct, updated business address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
By my understanding, I have the right to privacy under the Fair Credit Report Act. I did not authorize these items listed below. I request that these items be removed permanently from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX It is my understanding that the creditor bought debt without a wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C. 1605 ( Definition of Finance Charge ), 15 U.S.C. Sec 1681 C-2, 15 U.S.C 1662 ( Advising of down payment and installments ), 15 U.S.C 1635 ( Right of Rescission )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
By my understanding, I have the right to privacy under the Fair Credit Report Act. I did not authorize these items listed below. I request that these items be removed permanently from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX It is my understanding that the creditor bought debt without a wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C. 1605 ( Definition of Finance Charge ), 15 U.S.C. Sec 1681 C-2, 15 U.S.C 1662 ( Advising of down payment and installments ), 15 U.S.C 1635 ( Right of Rescission )

Company response to consumer: Closed with non-monetary relief