vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
This collection was re-aged since the account went into default way bank in XXXX. This collection stems from a cell phone that I obtained for my brother, and he defaulted almost 10 years ago. It is far past the legal timeline where is can be posted legally on my credit bureaus. This collection is a true violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: OH

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX creditor : XXXX XXXXXXXX XXXX XXXX-collection- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX opened in XX/XX/XXXXXXXX XXXXpersonal loan- opened in XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX collection- opened in XX/XX/XXXXXXXX XXXX Charge account- opened in XX/XX/XXXX These items were added to my credit report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I was less than 24 hours late on a payment in XXXX due the XXXX and made the payment XX/XX/XXXX. I made the full payment required and did not see a late fee until after my payment had posted. I reached out prior to making my payment in XXXX ( XX/XX/XXXX ) and got the late fee waived as I had never missed a payment on this card previously, I thought all was good. Their initial chat system is AI and it said the late fee has been waived. I thought all was good, all of sudden a few weeks later I get an email and voicemail that my credit card account is past due- I was very confused as I have yet to miss a payment so I pulled up my online account for the XXXX XXXX and see another late fee has been applied-which should not have happened as I never missed a payment, and the one payment that was barely late had the late fee waived. I reached out on XX/XX/year> and got the AI chat again, I think requested to speak with a live agent. I spoke with XXXX and he said the late fee isn't an actual waive and gets applied as a statement credit and therefore I never paid that which is why I got another late fee. No where was that mentioned when I asked for the fee waive prior to making my XXXX payment. I informed that was very misleading and essentially my XXXX late fee was a fee on a fee that was supposedly waived which is not right as I never actually missed a payment. He said he would not waive the XXXX late fee and I need to pay $ XXXX minimum payment and the erroneous late fee. I then asked to speak to his supervisor as this practice seems unfair and deceptive to me- if the late fee had been waived why would I pay it. The supervisor told me the same thing and that he would not waive as the late fee was a statement credit and not an actual fee waive. I reiterated again that was never communicated to me- when I got the confirmation the fee had been waived and I made my normal payment due- I thought everything was whole. I did inform the supervisor I would be filing a complaint as the fee waive policy was not ever explained to me. I no longer have a copy of my original terms and conditions as I opened the account over 5 years ago.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank claims that I missed 4 months payments, or that I was 4 months late for a payment on that account. I had that account closed. Theyve provided false information which is destroying my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 writing to dispute a late payment entry that has been incorrectly included in my credit file. I have demonstrated a history of dependable financial behavior, and this entry does not reflect my actual payment pattern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CBC Companies, Inc.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
XXXX XXXX is under XXXXXXXX XXXX  XXXX will not remove from all 3 of my reports. Transunion had removed it, and now it is right back. Each time it gets removed XXXXXXXX XXXX  keeps adding it back with violates UAPP Dodd-Frank Act. XXXX XXXX account was sold to XXXXXXXX XXXX. I have submitted the contract that i now have with XXXX XXXX. I balance was XXXX. I have made XXXX payments so my current balance is XXXX. I want XXXX XXXX XXXX permanently removed from my credit files. XXXX XXXX XXXX  and TransUnion. They tell lies continuously to try and ruin my credit. I can't get anything because of this company.

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 2025-07-11 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: NC

Complaint narrative:
XXXX XXXX is under XXXXXXXX XXXX XXXXXXXX will not remove from all 3 of my reportsXXXX XXXX had removed it, and now it is right back. Each time it gets removed XXXX XXXX keeps adding it back with violates UAPP Dodd-Frank Act. XXXX XXXX account was sold to XXXXXXXX XXXX. I have submitted the contract that i now have with XXXX XXXX. I balance was XXXX. I have made 3 payments so my current balance is XXXX. I want XXXX XXXX XXXX permanently removed from my credit files. XXXX XXXX Experian and XXXX. They tell lies continuously to try and ruin my credit. I can't get anything because of this company.

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 2025-07-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is under XXXXXXXX XXXX XXXXXXXX will not remove from all 3 of my reports. XXXX had removed it, and now it is right back. Each time it gets removed XXXXXXXX XXXX keeps adding it back with violates UAPP Dodd-Frank AcXXXX. XXXX XXXX account was sold to XXXXXXXX XXXX. I have submitted the contract that i now have with XXXX XXXX. I balance was XXXX. I have made XXXX payments so my current balance is XXXX. I want XXXX XXXX XXXX permanently removed from my credit files. Equifax ; XXXX XXXX XXXX  They tell lies continuously to try and ruin my credit. I can't get anything because of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been a loyal American Express business member for 25 years and a small business owner for 15+ years. Over the last three years, American Express has engaged in increasingly harmful behavior- slashing my credit lines without cause, denying appeals, and demanding repayment under destabilizing terms that have critically damaged my business. This occured in XX/XX/XXXX and XX/XX/XXXX. 

What's worse, they have publicly featured me in their marketing as a " Premier Small Business Owner '' while privately cutting off my financial oxygen. It has been emotionally and professionally traumatic, and I'm ready to take legal action. I am seeking legal counsel to pursue a claim against American Express for '' - Deceptive and unfair business practices -Breach of implied good faith and fair dealing -Misrepresentation and misuse of my likeness in marketing -Financial and emotional damages resulting from sudden and unjustified credit line reductions I have detailed documentation of the timeline, including credit reductions, denial responses, screenshots, and copies of marketing features. I would greatly appreciate a free consultation to assess whether I have a viable case and how you might assist.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MD

Complaint narrative:
Account Name : XXXXXXXX XXXX Account Number : XXXX This account was closed in XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. There hasnt been any activity on it since then. But now its showing as a charge-off in XXXX XXXX XXXX years later. Thats not right. 

According to the law ( Fair Credit Reporting Act ), negative items like charge-offs must be reported based on when the account first became late, not years later. The first missed payment was back in XX/XX/XXXX, so the charge-off shouldnt be dated XXXX. 

It looks like the account may have been re-aged, which is illegal. Please delete this 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Final Notice FCRA Violations for Failure to Investigate and Provide Full Consumer File | Intent to Pursue Legal Action To Whom It May Concern, This letter serves as final notice that Clarity Services , Inc is in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



On XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> I lawfully submitted a written dispute concerning inaccurate or unverifiable information in my consumer file, along with a request for a full consumer file disclosure. Rather than fulfill your legal obligations, you have responded with vague and non-substantive stall letters, falsely claiming the need for additional identity verification or irrelevant documents despite having already provided sufficient documentation.

Your Violations Include : Failure to Investigate Disputed Information Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and provide the consumer with the results within 30 days. You have failed to comply.

Failure to Provide Complete Consumer File Under 15 U.S.C. 1681g ( a ), I am entitled to a complete and timely consumer file disclosure. Your refusal to provide this is a clear and actionable violation.

Use of Stall Tactics to Delay or Deny Rights Sending template letters requesting redundant identity verification is considered bad faith behavior and a willful attempt to obstruct the dispute and disclosure process. This is not only unethical but legally actionable.

LEGAL NOTICE If XXXX XXXX XXXX XXXXXXXX XXXX does not comply with the following within 7 business days of receiving this letter : Conduct a proper reinvestigation and provide the results in writing, Provide me with my complete consumer file, and Remove or correct all unverifiable or inaccurate information from my file, I will immediately file a civil suit in Small Claims Court for the following : {$1000.00} per violation in statutory damages under FCRA 1681n, Actual damages as allowed under FCRA 1681o, Punitive damages for willful noncompliance, Court costs and legal fees.

Let this letter serve as your final opportunity to resolve this matter outside of litigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I was denied loan because I am not paid by direct deposit.

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 2025-07-11 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Collection Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Collection Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial XXXX  by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I had 6 unknown transactions on my account which added up to {$1100.00} after reporting this to bank it was denied any error with in 2 days, then another claim was made along with supporting documents and police report, still denied more evidence was submitted and again denied. A request for a full reasoning was requested and no detail report to me was submitted please help this is my money and I did not make these transactions I reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX, related to XXXX XX/XX/XXXX The report shows : Settled - Less Than Full Balance and Paid Collection, despite the debt being resolved in XX/XX/year> and showing a {$0.00} balance. 

This account continues to damage my credit even though it is no longer owed. I request validation of the reporting, and removal if it can not be confirmed under FCRA 611 ( a ) ( 5 ), or at minimum, correction to a less harmful status such as Collection - Paid - {$0.00} Balance with the remarks 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 explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief