vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
ACCOUNT # XXXX I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX  was served with a written Notice of Demand for Full Accounting and dispute of accuracy regarding an account they are furnishing on my consumer credit reports. The notice explicitly requested supporting documentation to substantiate the accuracy, balance, and reporting of the account. 

XXXX failed to provide any supporting documentation and instead supplied only a payment history, which does not verify ownership, accuracy, or authority to furnish the account. Despite this failure, XXXX has continued to furnish the account to consumer reporting agencies, including information that is inaccurate and unverifiable. 

Once a furnisher is notified of a dispute and can not substantiate accuracy, continued reporting constitutes violations of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 8 ) Failure to conduct a reasonable investigation of a direct dispute 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate after notice from consumer reporting agencies Additionally, the continued furnishing of disputed and unsupported data causes consumer reporting agencies to violate 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy.

XXXX  is on actual notice that the account is disputed and unverified. Continued furnishing under these circumstances constitutes willful noncompliance under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 following charged-off accounts and inquiries reported under my name on my XXXX credit report. These accounts and/or balances are inaccurate, and I request that they be corrected or removed as soon as possible. 

Charged-Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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:
I am writing to dispute several inaccuracies found on my credit reports. Below are the details of the accounts in question, along with a clear description of the issues. Please investigate these matters and make necessary corrections as required under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: CA

Complaint narrative:
b'I have been a member of upgrade going on almost XXXX XXXX years. On XXXX XXXX XXXX  I called to file a dispute for my funds not being despensed by the atm. They took my dispute and said I would hear back through email. Right after I hang up I check my account and all of a sudden my accounts are suspended. I call in they say my accounts are under review and I will hear back with XXXX  business days. I never hear anything. I call back a week later and I am told that they have finished the review. I would receive a email soon. I still havent heard anything. I have no access to my account and I need an immediate resolution. This is not right to suspended an account for XXXX  dispute in almost XXXX XXXX years. No warning, no explanation.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
Dear Sir/Madam, I am filing this complaint to dispute inaccurate, misleading, and improperly reported information on my credit reports from Experian, Despite prior disputes, these bureaus continue to report information that is inconsistent, duplicated, and unsupported by verifiable documentation, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Charged Off Accounts : XXXX, XXXX, XXXX, {$20000.00} Late Payments : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: DC

Complaint narrative:
On this day Sunday, XX/XX/year>. I called Capitol One Credit Card company discuss the arrangements I made to make money payments of {$260.00} to bring my account current. I explained to Capitol One that I am on a set income and XXXX XXXX nor XXXX XXXX paid me before XXXX XXXX, and therefore I was unable to make the payment on Sunday, but would be able to make the payment on the next business day, which would be XX/XX/year>. Capitol one stated I would be charged a late fee. ( One day ) a late fee. I paid the late fee using my XXXX XXXX XXXX XXXX checking account. Capitol One charged my checking account {$25.00} for the minimum payment and stated it would clear the next business day which is Monday, XX/XX/year>. I mentioned to Capitol one that I had been placed on a payment plan by Capitol one and was calling to ensure our agreement and that I would pay the agreed upon amount the following business day because I did not receive my monies from XXXX XXXX  or the XXXX XXXX prior to XXXX. Capitol One says there is no payment arrangement in the systems although there is an agreement to make monthly payments of {$260.00} on the XXXX of the month. I requested the statement in writing and Capitol One XXXX, Supervisor XXXX XXXX, XXXX XXXX refused to provided the written statement in Capitol One system via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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 dispute the inaccurate and incomplete information that is currently being reported on my credit reports by XXXX XXXX XXXX  TransUnion. Below is a detailed list of the accounts in dispute, categorized by each bureau. I am requesting that the credit bureaus thoroughly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account # XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$940.00} Late Payment : XXXX XXXX, Account # 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 non-monetary relief
Consumer complaint received 2025-12-28 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: FL

Complaint narrative:
I am writing to dispute certain entries in my credit report dated XX/XX/XXXX. I believe the following information is inaccurate, and I request that you investigate the matter under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX The account is incorrectly reporting late payment details, and I request that the account be corrected or removed if inaccurate. 
XXXX. Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
XXXX XXXX I dispute the following inquiries as inaccurate or unauthorized : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> I request Experian verify these inquiries and remove any that can not be substantiated. 

Late Payments I dispute the following late payments : XXXX XXXX XXXX Acct XXXX ( duplicate reporting ) XXXX XXXXXXXX XXXX Acct XXXX I request Experian verify these accounts and remove any duplicate or inaccurate late payment reporting.

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 2025-12-28 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: CO

Complaint narrative:
I am a consumer submitting this complaint to request investigation and correction of inaccurate and/or unauthorized items appearing on my credit reports. I have attempted to address these issues directly with the credit bureaus, but the information remains unresolved. 

Below are the details separated by each credit bureau, along with my previous addresses for identification verification.

Charged-Off Accounts in Dispute : There are charged-off accounts currently reporting inaccurately. I request that Experian provide full verification of each account, including the original creditor, complete payment history, and validation under the Fair Credit Reporting Act ( FCRA ). 
If Experian can not verify the accuracy and ownership of these accounts, I request that they be deleted immediately from my file. 

Unauthorized / Questionable Inquiries : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me. I am requesting that Experian remove them pursuant to FCRA 604, which requires permissible purpose for access to 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is a continuation of a prior CFPB complaint regarding the same CareCredit account and XXXX cosmetic procedure performed in XX/XX/year>. My original billing dispute was denied despite substantial documentation showing the services were not rendered as advertised. I am submitting additional evidence and requesting further review. 

I financed approximately {$11000.00} through CareCredit for an XXXX procedure based on specific marketing claims, promised outcomes, and designated treatment areas. Despite full payment, the results are minimal to nonexistent. Before-and-after photos show no meaningful or visible improvement in the treated areas, which is grossly disproportionate to the cost of the procedure. 

XXXX advertised noticeable contouring and fat reduction. However, the outcome does not reflect these claims. The treatment areas I consented to do not show the promised results, and the provider failed to deliver the service as represented at the time of purchase. 

I attempted to resolve this directly with the provider, but no refund, corrective treatment, or meaningful remediation was offered. CareCredit denied my dispute without adequately considering photographic evidence, marketing materials, or the failure to provide the expected outcome. 

This dispute is not buyers remorse. I have paid for cosmetic procedures in the past without issue. This complaint is based solely on services not rendered as promised and the providers failure to deliver measurable results despite full payment. 

I am requesting that CareCredit conduct a proper review of this dispute, taking into account the attached evidence, and reverse or credit the charges associated with this procedure. 

I did not meet with the physician during my consultation prior to the procedure. My consult was conducted without the doctor present, and I did not meet the physician until the day of surgery. During the consultation process, I was promised a flat abdomen as an expected outcome. The results do not reflect this promise, and there is no visible improvement consistent with what was represented prior to payment.

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 2025-12-28 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report, dated XX/XX/XXXX. The following accounts contain discrepancies, and I request a full investigation under the Fair Credit Reporting Act ( FCRA ). 
1. Account : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account shows incorrect late payment details. I request that you review and update this account to reflect the accurate payment history or remove it if necessary. 
2. Account : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX The status of this account is showing inaccurately, and I dispute the payment status. Please correct or remove this account if needed.

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 2025-12-28 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: NY

Complaint narrative:
Charged-Off Accounts I dispute the following accounts : XXXX Acct XXXX ( XX/XX/XXXX, balance {$6700.00} ) XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$120.00} ) Credit Inquiries I dispute the following inquiry as inaccurate : XXXX XX/XX/XXXX Late Payments I dispute the following late payments : XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX  XXXX  Acct XXXX XXXX XXXX Acct XXXX I request TransUnion verify these accounts and remove any unverifiable late payment 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 2025-12-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth
in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ks. XXXX XXXX XXXX XX/XX/XXXX UMB Bank XXXXXXXX XXXX XXXX XXXX XXXX, Mo. XXXX Subject : Request for Documentation of Interchange Fees Charged Dear UMB Bank, I am writing to formally request detailed documentation of interchange fees assessed on transactions processed for XXXX XXXX XXXX XXXX during the period XX/XX/XXXX XX/XX/XXXX. 

Specifically, I request : 1. Itemized statements showing interchange fees charged per transaction, including card type and rate applied.

2. Copies of any schedules or agreements governing interchange fee assessments.

3. Historical summaries of total interchange fees deducted from our bank account by.

4. Transaction histories, including deposits, withdrawals, interchange fees, and chargebacks.

5. XXXX logs showing transaction routing and authorization details. 
6. Copies of merchant agreements and any amendments or agreements.

7. Documentation of fees, deductions, or compliance notices applied to my account.

8. Copies of preauthorization and post transactions amounts posted accounts on all activities include purchases, payments, cash advances, balance transfers, wires transfers, official ledger etc. of bank accounts. XX/XX/XXXX XX/XX/XXXX. 

This request is made pursuant to my rights under applicable consumer protection and banking regulations, including the [ Kansas Consumer Protection Act and oversight by the [ Kansas Office of the State Bank Commissioner.

If your office is unable to provide these records directly, please advise me of the appropriate channel or regulatory body to obtain them. I request a written response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and advise of the next steps. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: CA

Complaint narrative:
XXXX XXXX I dispute the following inquiries as inaccurate or unauthorized : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request TransUnion verify these inquiries and remove any that can not be confirmed. 

Late Payments I dispute the following late payments : XXXX XXXX XXXX Acct XXXX ( duplicate reporting ) XXXX XXXX L Acct XXXX I request TransUnion verify these accounts and remove any duplicate or inaccurate late payment reporting.

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 2025-12-28 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00}

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