vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Heres the item on asking you to verify is accurate. 

XXXX XXXX Account number-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX  I was informed of a debt claimed by XXXX insurance for {$220.00} from Credit and collection services. 
( see attachment ) On XX/XX/year> I responded to the allegation with a request for proof. ( see attachment ) On XX/XX/year> Credit and Collection Services responded with a copy of the same bill sent previously, but no proof. ( see attachment ) On XX/XX/year> I sent a demand for proof to Credit and Collection Services as well as the identity of all involved in this collection process. No response was given. 
On XX/XX/year> Credit and Collection Services entered a " collection '' on my credit record resulting in substantial damage to my credit record. 
Let me state that these actions on the part of Credit and Collection Services are totally fraudulent. Their actions have slandered me and amount to extortion. 
I request that action by taken to undo these actions on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
There was an authorized transaction on XXXX through my Paypal account and now it has debited my bank account. I reported it to both XXXX and Paypal. Both said it was not fraud and closede the cases. I have NEVER placed an order for almost {$2000.00} ( fraud for this item was {$1900.00} ) for any purchase in over 65 years. The person used my name, my Paypal Account and my XXXX to buy an XXXX  being shipped to XXXX I live in XXXX and NEVER have any purchases shipped to XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I unintentionally opened a XXXX credit card from American Express. I did not intend to apply for or use this card. I only made two very small transactions before realizing the mistake, and I have not used any of the annual benefits. 

The card has a {$650.00} annual fee, which posted on the account. I contacted American Express several times, including speaking with a supervisor, and requested a one-time courtesy refund of the annual fee due to the card being opened unintentionally. However, American Express refused to issue the refund because more than 30 days had passed, even though this was not a deliberate or authorized account opening. 

I am requesting assistance from the CFPB to resolve this unintended account opening and obtain a refund of the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XXXX, I was charged {$42.00} for an App Store subscription that I cancelled within hours of activating. I received no usage or benefit from the subscription. Under Apple 's stated policies, refund decisions consider timing, usage, and customer intent, so I submitted a refund request. 
Apple denied the refund without explaining how a same-day, unused subscription did not meet those criteria. I contacted Apple XXXX  multiple times. I requested standard, non-personal case information such as the case number, the escalation department, and the identifier of the senior advisor reviewing the issue. Apple refused to provide any of that information and ultimately ended the chat while the issue remained unresolved. 
I am filing this complaint because the charge was for a subscription I cancelled immediately and did not use, and Apple has not provided a valid policy-based justification for denying the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Heres the item Im asking you to verify accurate. 

XXXX XXXX XXXX XXXX Account number 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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am filing a complaint regarding a potentially predatory auto loan issued through Ally Auto, combined with possible misrepresentation by the dealership XXXX of MD. 

On XX/XX/XXXX, I financed a XXXX XXXX XXXX for an original balance of {$5900.00} at 13.34 % APR for 72 months, I put the rest down with a cashiers check. My balance today is still {$5300.00} even after almost a year of payments totaling {$540.00}, suggesting extreme front-loaded interest. 

The dealer told me this is the best they could do because of your credit. I accepted the loan based on this statement. I am now questioning whether this was truthful. 

I am requesting that the CFPB obtain the underwriting file from Ally to confirm : Whether the dealer presented all available rate offers Whether a lower APR was actually available but not disclosed Whether dealer rate-packing or markups occurred If the dealer misrepresented the rate options, this would constitute an unfair and deceptive financing practice under TILA and the FTC Act. 

I am requesting an investigation into the dealerships statements and Allys underwriting, and I am seeking a review of whether my loan should be corrected or modified if improper APR inflation occurred. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by a debt collector. The company is attempting to collect a balance that I do not agree with and have not acknowledged. I sent a written request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), requesting documentation proving the debt is accurate and that they have the legal right to collect it. They failed to provide the requested documentation, yet the account remains on my credit reports as a collection. 
This is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), as inaccurate and unverified information is being reported and damaging my credit. I am requesting that this account be investigated and removed from my credit reports if proper validation can not be provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a debt that Portfolio Recovery Associates ( PRA ) claims to have purchased from XXXX XXXX. I previously filed a complaint, but PRA did not provide any of the legally required documentation to validate the debt.

PRA stated they verified the account using only internal business records, but they did not provide a signed application, a complete account-level payment history, itemized charges, identity verification from XXXX XXXX, or a chain of title showing that my specific account was included in their purchase portfolio. They also referenced an attached validation letter that was never actually provided to me or to CFPB. 

Despite several disputes, PRA continues to furnish information to the credit bureaus without proper validation. This is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which require a reasonable investigation and full documentation when a consumer disputes a debt. 

Because PRA has not produced any of the required documents, the debt can not be verified and should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
Re : Unauthorized Credit Card Account Fraudulent Reporting & FCRA Violations Account Details : Opened : XX/XX/year> Credit Limit : {$700.00} Reported Balance : {$1000.00} Derogatories : Numerous in XXXX Furnisher : [ Creditor Name as listed ] To Whom It May Concern, I am notifying the CFPB that the above credit card account is fraudulent and was not opened, authorized, or used by me. This is a violation of my rights under the Fair Credit Reporting Act. 

FCRA Rights Invoked FCRA 603 ( d ) Unpermitted use of consumer report FCRA 609 ( e ) Fraud documentation requirements FCRA 611 Mandatory deletion of unverifiable accounts FCRA 623 Furnishers duty to report accurate information 15 U.S.C. 1681b No permissible purpose exists Statement This reported account is false. I did not open it, I did not authorize it, and I did not give permission for any creditor to access my credit file. 

Because no authorization exists, ALL reportingincluding late payments, derogatory marks, and the over-limit balanceis invalid and must be removed. 

Demand for Corrective Action I request that the CFPB : XXXX. Compel the furnisher to supply original, signed verification that I opened this account. 
XXXX. Require the deletion of this account if verification can not be produced. 
XXXX. Investigate potential identity theft and unlawful credit file access. 

Without verifiable documentation, continued reporting constitutes a violation of the FCRA and must cease immediately. 

Sincerely, 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 2025-11-17 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: CA

Complaint narrative:
This is not a mistake my credit report contains inaccuracies that are not assured to be maximally accurate. These errors are severely impacting me in ways that are unacceptable, and I demand they be corrected or removed immediately.

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 2025-11-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Experian Failed to Provide Proper Method of Verification & Did Not Conduct a Reasonable Reinvestigation Complaint : Hello, I am filing a follow-up complaint because Experian has not fulfilled its obligations under the Fair Credit Reporting Act. 


On XX/XX/year>, I submitted my initial dispute regarding several inaccurate collection accounts appearing on my Experian credit report. I did not receive any verification documents, nor a proper investigation response. 


On XX/XX/year>, I sent a second disputespecifically requesting the Method of Verification, as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which requires Experian to provide a description of the procedure used to determine the accuracy and completeness of the information. 


On XX/XX/year>, Experian responded only with a generic statement stating that the furnisher verified the debt, but no supporting documentation, breakdown, contract, application, proof of assignment, or investigation procedure was provided. This does not meet the FCRAs requirements for a reasonable reinvestigation nor the required method of verification. 


Experian has therefore violated : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable re-investigation FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) failure to provide the method of verification FCRA 611 ( a ) ( 7 ) consumers right to receive description of re-investigation FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 ( a ) ( 2 ) failure to forward dispute information to the furnisher properly This is now several months with incomplete or non-compliant responses.

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 2025-11-17 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: AZ

Complaint narrative:
b'I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items:\n\nNames: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress: XXXX XXXX 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 XXXXInquiries: 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint because National Credit Systems is reporting an illegal and invalid collection account that was created in direct violation of Florida Statute 83.49 ( 3 ) ( a ).

The landlord issued a Final Statement of Deposit and transferred the account to collections only 3 days after I vacated the property. Florida law requires : A 30-day written notice of intention to impose a claim Sent by certified mail Before charging or transferring any balance No notice was ever sent.

Therefore, the landlord forfeited all rights to impose any claim.

This means no valid debt exists under Florida law.

National Credit Systems is reporting a debt that can not be validated, making the reporting inaccurate, unlawful, and in violation of FCRA and FDCPA.

I am requesting immediate intervention because this illegal collection is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: CO

Complaint narrative:
I have previously done business with XXXX ( formerly Uplift ), now owned by Upgrade. Never had any issues. Tonight, I applied for a XXXX installment loan via XXXX for an upcoming trip. It was vaguely denied. I then tried via XXXX. I received emails that stated the following : " XXXX XXXX here! 

Based on the information you provided, were not able to set you up with a payment plan at this time. 

Dont let that keep you from traveling! There are a couple things you might want to try : Double-check the information you provided and make sure its correct ; If youre traveling as a group, have another member of your party XXXX or older apply ; You can also use a different payment method. 

Your decision information will be available in the Application tab at upgrade.com/pay upgrade.com/pay. If you have an Upgrade account or received an email to set one up, login through Upgrade and navigate to Profile & Settings then Statements & Documents. 

Thank you for your interest in XXXX XXXX The XXXX XXXX  Team ( XXXX ) XXXXXXXX XXXX XXXX upgrade.com '' I went to the Upgrade account portal, as the above email stated " your decision information will be available in the Application tab. '' There is no such application tab. I could see my previous loans, but no documents, notifications or other information regarding tonight 's applications. 

I then called XXXX XXXX I spoke to an agent who told me to call XXXX. I explained that I was entitled to a Notice of Adverse Action explaining why I was denied/what of XXXX XXXX  's criteria I did not meet, and he said only XXXX  could provide information about " what your score is. '' As should be clear, I was not and am not asking for my credit score. I'd like a reason for the denial, as I am entitled to by law. He could not facilitate any way for me to obtain said notice, nor provide any verbal reason for the denial over the phone. 

Also, once the call ended, I decided to apply again ( via XXXX ) and was approved. Since the email is so vague ( " double-check the information you provided '' ) I figured I would try my luck again ( although there were no errors or typos in entering my information initially ). 

Because XXXX XXXX/Uplift provides travel related lending, I have previously ( like XXXX years ago ) received a denial for a reason along the lines of " the length or nature of your itinerary indicates a high risk of default. '' Approvals are also related to the criteria they set with their merchants. Obviously, XXXX  can not explain or justify XXXX XXXX/Uplift 's denials -- especially when they could be for something like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
Multiple companies are reporting inaccurate, incomplete, and unverified information on my Experian credit report. I disputed these accounts with Experian and with the furnishers/collection agencies directly, but the information has not been corrected, and none of the companies provided proper documentation or verification as required by federal law.

Regulatory issues include : Failure to conduct a reasonable reinvestigation ( FCRA 611 ) Reporting inaccurate or unverified information ( FCRA 623 ) Failure to provide required documentation or method of verification Failure to validate debts before or after reporting ( FDCPA 809 ) Possible re-aging and inconsistent delinquency dates Continued reporting despite lack of verification I am requesting that the CFPB require each furnisher and collector to provide full documentation for the accounts listed, including original contracts, complete payment histories, itemized balances, and proof of ownership. Any account that can not be fully verified should be deleted. I also request that Experian conduct a lawful reinvestigation and correct or remove all inaccurate 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 explanation
Consumer complaint received 2025-11-16 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The company has reported inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies, causing harm to my creditworthiness and financial reputation.

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