vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I mailed more than my stated monthly payment on XX/XX/year> as payment is not due until XX/XX/year> to American Express ( AMEX ). I saw on my statement that AMEX posted my payment on a non mail delivery date ( XXXX XXXX  XX/XX/XXXX ) and charged me an additional {$29.00} late fees. I contacted AMEX to dispute charges and was told by representative and also his supervisor ( gave name as XXXX XXXX XXXX that their system shows that they received my payment on XX/XX/XXXX. I informed them that my statement shows XX/XX/XXXX and that day also is a non-mail delivery date because it is a XXXX XXXX XXXX  XX/XX/XXXX was also a nondelivery mail day because it was a Federal Holiday and US Postal service did not deliver mail on those dates in no state. Representative stated they tried to remove fees but were unable to do so as system will not allow them to remove fees and they did not know why as they see my record was very good. I went on to complained because I believe AMEX purposely held my payment to post it late to add additional charges and to increase interest rates as they have done it before. They did not resolve their error and correct their reps sitting on mail and posting my payment late. All my other payments were received within 5 days of mailing and each were mailed the same day ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
In XXXX XXXX, while completing my vehicle lease payoff, Tesla contacted my lender, XXXX XXXX XXXX, and obtained the payoff quote. A Tesla Funding XXXX later admitted in writing that they use the account number and last XXXX digits and try to provide the full XXXX, calling this their usual practice. I never gave Tesla permission to use or share my XXXX for this purpose. In XXXX I asked Tesla to explain its policy and confirm deletion of my data. Tesla replied that a review was conducted in XXXX with the California Attorney General but gave no proof or policy disclosure. I am seeking review of Teslas use of SSNs in payoff transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am sending this statement because my credit report reflects inaccurate personal identifying information and incorrect account reporting that do not belong to me or are being reported inaccurately .. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5900.00} Under FCRA 623 ( a ) ( 1 ) ( A ),

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against AMERICAN EXPRESS for their ongoing violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and failure to conduct a lawful reinvestigation of disputed information. Despite multiple written disputes and validation requests regarding several accounts reported as charge-offs and collections, the creditor continues to report inaccurate and unverifiable information to the credit bureaus.

AMERICAN EXPRESS has failed to provide any competent documentation verifying the accuracy, ownership, or balance of the alleged debts. The accounts contain inconsistent last payment dates, duplicated charge-off entries, and incomplete payment histories that do not match my clients records. This demonstrates a pattern of negligent and reckless furnishing of information in violation of the FCRAs accuracy and verification requirements.

Additionally, the creditor has continued to report these disputed accounts to XXXX XXXX XXXX XXXX even after being notified in writing that the information is being contested a direct violation of 1681s-2 ( a ) ( 3 ). Such conduct has caused significant financial and reputational damage to the consumer, including denials of credit, lowered credit scores, and emotional distress. 

This creditors refusal to comply with federal consumer protection laws and failure to maintain proper procedures for accuracy show deliberate disregard for the consumers rights under the FCRA. 
AMERICAN EXPRESS XXXX XXXX AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Bank errors in billing and reporting are severely damaging my credit. Pursuant to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to accurately record payments and credits, yet multiple violations have occurred : payments I made were improperly omitted, and blatant calculation errors plague the reported amounts. Furthermore, I was denied the mandatory 21-day notice prior to a payment deadline, rendering any late payment notations entirely invalid. These inaccuracies constitute a flagrant breach of federal law and unjustly undermine my credit 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number to Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
We have been trying to access our XXXXXXXX XXXX XXXXXXXX account for over a week for healthcare expenses. The page states the website is temporarily unavailable after XXXX attempts over XXXX  days. I tried access using a XXXX and XXXX system to no avail. Nothing works through several Optum portals. Customer service does not know why this is happening except to state there is a global outage and to try back in a few hours. I have been trying for over a week! There has been no e-mails from the company to customers explaining what is happening, news posted on any website, really no effort to explain why we can not access our funds. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number to Thank you for your prompt attention to this matter. I look forward to your swift response.

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 2025-10-30 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: NY

Complaint narrative:
I am submitting to formally dispute several accounts on my credit report that I believe are inaccurately reported. I am requesting your urgent attention to investigate and correct these items under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C 1681i ) Dispute Inaccurate Information with Credit Bureaus, 623 ( a ) ( 2 ) Duty to Correct and Update, 623 ( b ) Furnishers Duty to Investigate, and 602 Congressional Findings and Purpose. I have carefully reviewed my credit report and noted the following inaccuracies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$890.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} Late 30 days XXXX Late 60 days XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$60000.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$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 2025-10-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
Im writing about my credit-builder account opened in XX/XX/XXXX ( Acct # [ XXXX  ] ). My understanding at enrollment was that this was not a traditional line of credit ; I never received spendable funds or any disbursement. I made the required $ 5 monthly payments ( and understood there was a {$20.00} optional add-on to influence reporting/limit ), with the expectation that after a year the total paid would either become my limit or be returned. 
I was incarcerated beginning in XX/XX/XXXX and could not continue payments or manage the account. I did not understand that missing payments on a no-funds credit-builder product would create a balance due or result in derogatory late-payment reporting. These marks have significantly harmed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before consulting legal action against XXXX XXXX XXXX XXXX. I hve told them several times that I hve never had my business loans or cars with them as I XXXX XXXX XXXX XXXX  do not live in XXXX XXXX. I have alerted them and the credit bureaus that these accounts they have on my report were NOT MINE. I never authorized any service NONE of their banking offers. I am an XXXXXXXX XXXX XXXX XXXX and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing in reference to my dispute for the {$990.00} transaction posted on XX/XX/year>, to XXXX XXXX XXXX ( Claim Reference ending in XXXX ). 

After reviewing the documentation Wells Fargo used to deny my claim, I have discovered that the primary evidence submitted by the merchant was a fraudulent email. The email contains : A fabricated sender address to look like mine and not verified. 
Content falsely attributed to me, which I did not write or send which I have the emails and what I responded and what they fabricated and sent to Wells Fargo. 
Claims of work completion ( book posting on XXXX ) that are demonstrably false no such work was ever performed or published or emailed to me those are the only emails ever recorded. 

This means Wells Fargo relied on inauthentic, unverified, and misleading evidence in its determination. Under federal law ( including the Electronic Fund Transfer Act and Regulation E ) and Visa/XXXX  dispute investigation standards, banks are required to conduct a reasonable investigation and validate merchant-provided documentation before denying reimbursement. 

I therefore request the following : 1. A full reinvestigation of my claim in light of the fraudulent materials now identified.

2. Written confirmation of how Wells Fargo verified the authenticity of the email used as proof of receipt.

3. Disclosure of any communications with the merchant, including metadata or verification steps performed to confirm sender legitimacy.

4. Reversal of the denial and reinstatement of the {$990.00} provisional credit, pending the outcome of a proper investigation. 

The Consumer Financial Protection Bureau ( CFPB ) should review Wells Fargos about this compliance with its obligations under federal consumer protection law. 

I appreciate your prompt attention to this matter and expect a written acknowledgment of this request within 10 business days.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BLOOMINGDALES/CITIBANKs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BLOOMINGDALES/CITIBANK has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

BLOOMINGDALES/CITIBANK 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings
State: LA

Complaint narrative:
I am formally contesting any unverified or undocumented information in my credit report, in accordance with the FCRA and XXXX XXXX reporting standard. Unsubstantiated claims and false allegations are unacceptable. Ensure accurate and lawful reporting. Provide physical evidence or remove erroneous claims. Mail documentation and updated credit report. I express deep disappointment and frustration regarding the inclusion of untruthful or unsupported information in my credit report. Violations of the FCRA and XXXX XXXX reporting standard are apparent. Uphold accurate and lawful reporting practices. Substantiate claims with physical evidence, or promptly remove them. Send me physical documentation of your actions and the updated credit report as authorized. 

ZIONSDEBTHOL - XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against APPLE CARD - GS BANK for their ongoing violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and failure to conduct a lawful reinvestigation of disputed information. Despite multiple written disputes and validation requests regarding several accounts reported as charge-offs, the creditor continues to report inaccurate and unverifiable information to the credit bureaus. 

APPLE CARD - GS BANK has failed to provide any competent documentation verifying the accuracy, ownership, or balance of the alleged debts. The accounts contain inconsistent last payment dates, duplicated charge-off entries, and incomplete payment histories that do not match my clients records. This demonstrates a pattern of negligent and reckless furnishing of information in violation of the FCRAs accuracy and verification requirements. 

Additionally, the creditor has continued to report these disputed accounts to XXXX XXXX XXXX XXXX even after being notified in writing that the information is being contested a direct violation of 1681s-2 ( a ) ( 3 ). Such conduct has caused significant financial and reputational damage to the consumer, including denials of credit, lowered credit scores, and emotional distress. 

This creditors refusal to comply with federal consumer protection laws and failure to maintain proper procedures for accuracy show deliberate disregard for the consumers rights under the FCRA. 
APPLE CARD - GS BANK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management failed to properly validate the account ( XXXX ) ( XXXX ) before placing this account on my credit report. Because Midland Credit Management failed to properly validate the account referenced above, this account is valid and the account is incorrect. Per FCRA ( 15 U.S.C 1681 and 15 U.S.C 1682g, 15 U.S.C 1692g ( b ), this account should be removed immediately from my credit report, and all collection efforts stop immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request that these entries be reviewed, and if they can not be verified, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting to formally request the correction and verification of my personal information as currently reported on my credit file. Upon reviewing my records, I have noticed that certain personal details including my name, date of birth, current address, and employer are being reported inaccurately. 
Specifically, my previous address should be removed, as it no longer aligns with my current residence. Additionally, my name and employer must be corrected to accurately reflect my current legal name and place of employment. These inaccuracies could cause confusion, lead to potential misrepresentation of my creditworthiness, and negatively impact the accuracy of my credit report. 
The details in question are as follows : Correct Address : XXXX XXXX XXXX XXXX, NC XXXX Correct Full Legal Name : XXXX XXXX XXXX I have enclosed copies of my government-issued identification, a recent utility bill, and any other documents that may assist in verifying my correct personal information. These documents serve as proof of my identity, current residence, and employment, which should be reflected accurately in your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
Revolut placed restrictions on my account in XXXX 2025, preventing me from accessing or withdrawing my personal funds. According to the in-app tracker, a Card Verification / Security Check began on XX/XX/XXXX, followed by an Initial Review Completed on XX/XX/XXXX, and then a Further Review in Progress marked as taking typically 7 days. Despite this, the review has been left open and unresolved for more than a month far beyond the timeframe stated by Revolut. 

Throughout this period, I have been completely unable to access, transfer, or withdraw my money. Every type of account action remains blocked ( transfers, card deposits, withdrawals, etc. ). I contacted Revoluts customer support several times through the in-app chat. Representatives repeatedly assured me that my case had been escalated and that I would receive updates within 12 days, yet no update or explanation has ever been provided.

Revolut refuses to close my account or release my funds, claiming that the review must first be completed without offering any timeframe, justification, or transparency. The card they are requesting verification for has been permanently closed weeks ago, making it impossible for me to provide the requested statement. 

This situation constitutes an unjustified and unreasonable restriction of access to my own funds, lasting over six weeks, and represents a serious violation of consumer rights. I am requesting that Revolut be required to immediately release my funds, lift the restrictions, and allow me to close the account if I choose to do so.

Company response to consumer: Closed with explanation