vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Why Im complaining XXXX transactions and/or practices were unfair or deceptive ( details below ). Despite timely disputes and new information, Amex did not conduct a reasonable investigation and relied on inadequate/incorrect merchant evidence. Blocking further review prevents correction of billing errors and leaves me without recourse. 

There are several hundred transactions with XXXX of my personal American Express accounts with an online casino. Total charges, upwards of {$100000.00} USD. Too many to list all dates and amounts here, but can provide separately if needed. 

My issue was " Product Service not as described ''. I believed the product/service purchased did not align with the product and service received. Additionally, this website called " XX/XX/XXXX '' appeared to operate as a legitimate casino, and ultimate found out they fly under the legal radar by claiming to be a 'XX/XX/XXXX '' ( which is now banned in many states ), where they bundle " XX/XX/XXXX '' ( GC ) which have no cash or entertainment value with " XX/XX/XXXX '' ( SC ) which have real monetary value. They also imply there is a legitimate " Return To Player '' ( XXXX ) metric they use, like real casinos that are monitored by governing bodies,, however the XXXX is a marketing play and not real, nor are they monitored by any legal governing agency. The GC 's I purchased were removed my account, and due to various other activities and reasons, I have lost in total of about {$250000.00} between Amex and other credit cards/debit cards. More details are in the attachments. 

I Filed a XX/XX/XXXXcomplaint with Amex, and was again denied my disputes, claiming the merchant provided supporting documentation. I am not disputing I made the purchases, I am disputing the I did not receive what I expected during my purchases. Amex has yet to provide copies from the merchant and will not allow me to dispute again, formally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Several accounts on my profile are Fraudulent. These accounts were opened up by an unknown person or persons by means of stealing my credit information. Attached to this complaint is the list of accounts in question in the form of an official POLICE REPORT. Also since I cant get any real results from these credit Bureau companies, I have contacted a Lawyer that will represent me in the event that I can not get this solved.

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 2025-11-11 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:
Several accounts on my profile are Fraudulent. These accounts were opened up by an unknown person or persons by means of stealing my credit information. Attached to this complaint is the list of accounts in question in the form of an official POLICE REPORT. Also since I cant get any real results from these credit Bureau companies, I have contacted a Lawyer that will represent me in the event that I can not get this solved.

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

Complaint narrative:
Subject : Disputing Accounts and Inquiries on Experian Credit Report I am writing to dispute the following items on my Experian credit report. Please investigate and correct these discrepancies : CHARGED OFF ACCOUNTS : XXXX, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES : EXPERIAN XXXX XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX LATE PAYMENT : 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 2025-11-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because [ Experian / XX/XX/XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. XXXXi ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within XX/XX/XXXXdays, continued reporting inaccurate accounts, and failed to provide written results. These actions violate XXXX ( a ) ( XXXX ) ( A ), XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( b ). Courts have consistently ruled that such conduct is unlawfulXX/XX/XXXX v.XX/XX/XXXXXXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. ofXX/XX/XXXX v. XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX vXX/XX/XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX INQ :XX/XX/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 2025-11-11 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-11-11 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
My card has been drained without my authorization and incomm has literally done NOTHING except taking a very long time to investigate. 
Ticket XXXX. I'm hoping CFPB take an action to enforce my money recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 accessed and placed an account on my credit file with Equifax. I have no legal business with XXXX. I reached out to XX/XX/XXXX by phone in XXXX to inform them of the violation of the FCRA. I requested they remove the information, but they declined. Equifax continues to report the information on my credit file. Neither XXXX nor Equifax provided validation documentation to me of this information. XXXX is a third party that I did not give any consent to have or use my XX/XX/XXXXXX/XX/XXXX. Equifax does not validate or follow the FCRA. The dispute process is garbage as they do not require or ensure the information is accurate, valid and legal as required by FCRA. Equifax during the dispute process just accept with the creditor states not following through on the dispute fairly. I told Equifax I had no dealings with XXXX, but they respond with based on the creditor response it is accurate. It lists educational as the type of account but yet nothing is accurate. The FCRA is designed so to protect the consumer, but EQUIFAX continues to allow any and everyone to put items on consumers report. Equifax claims to have verified the information but refuses to send me documentation of what they verified. XXXX does not represent me, they do not have an agreement, my signature or contract of any kind. XXXX was never authorized by me to access my credit file. Equifax by willing placing information and sharing my information with XXXX violated the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: TX

Complaint narrative:
.PNC Bank , my mortgage servicer, canceled my separate windstorm and hail insurance policy based on an incorrect assumption that my XXXX XXXX policy included wind and hail coverage. XX/XX/XXXX documents were contradictorypage XXXX suggested wind/hail was covered, but the declarations page clearly shows wind and hail were excluded. 

Without confirming the coverage, PNC canceled my dedicated windstorm and hail policy, leaving my home uninsured when the XX/XX/year>2025 storm caused significant roof damage to my property at XXXX XXXX XXXX, XXXX, TX XXXX. My roofing estimate is {$35000.00}. 

After the storm, PNC added a backdated, force-placed windstorm policy with a 5 % deductible. This policy was applied after the date of loss and is effectively unusable. PNC has verbally denied any responsibility, stating the windstorm coverage was always added to my mortgage account, which is not true based on the documentation I have. 

I sent a certified demand letter on XX/XX/year>2025 ( delivered XX/XX/XXXX ) and a follow-up demand on XX/XX/year>2025, requesting that PNC assume full financial responsibility for the roof replacement or issue a written denial with supporting documentation. 

On XX/XX/scrub> 2025, a PNC representative named XXXX called and verbally denied coverage, but no written response has been provided. 

This servicing error has left me without valid insurance coverage at the time of the loss, and the force-placed policy does not resolve the damage or correct the lapse. 

I have attached copies of my certified letters, insurance policy pages, the cancellation notice, and my roofing estimate for verification.

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

Complaint narrative:
I am writing to file a dispute regarding the following accounts that are currently reported inaccurately on my credit report. Please review the details below : TransUnion : Inquiries : XXXX XXXX Date Opened : XX/XX/scrub>XXXX XXXX Date Opened : XX/XX/year>

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-11 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: EQUIFAX, INC.
State: AL

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  ] 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
My account with EQUIFAX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I will try to get this out as best as possible. I chose this provider because they had almost nothing but 5 star reviews. However, my experience has been nothing but a 1-star as of lately. 
I first went in on XX/XX/XXXX for a full consultation as I needed XXXXXXXX XXXX XXXX  and XXXX. My teeth were horrible!! I have XXXX with XXXX yearly spending so its a very good plan. They did my exam and gave me a statement / quote saying the full work would be around {$3200.00}, but that sometimes that amount varies by a few XXXX. Okay no big deal Fast forward to the appointment. I had to wait until XX/XX/XXXX due to saving up the money. I go in and pay my {$50.00} deductible, and the estimated cost of {$2500.00} for the work being done that day. Well, everything goes well outside normal issues with teeth removal, and I go home. 
XXXX Weeks later I get the EOB from insurance informing me that they are NOT in network as they told me several times they were and that my cost was already XXXX + for only half the work being done. I call in as it must be a mistake and Im told that there has to be an issue that the XXXX  will call XXXX and find out why they are no longer in network and get it fixed, but in the meantime to keep getting services lets setup a payment arrangement and you can be reimbursed. 
So, I agreed to XXXX monthly thinking this would be resolved. Well XX/XX/XXXX I go get the rest of the work done, and insurance kicks back again and bam another XXXX I owe. 
At this point insurance has paid XXXX to the provider and the provider is billing me another XXXX. XXXX in and all Ive had done is XXXX XXXX XXXX  and immediate XXXX. I still need XXXX XXXX On top of this, I have been unable to wear my XXXX  and have been losing weight due to not being able to eat as there are complications I cant get fixed due to the cost.. 
This is a very clear switch and bait. Quoting XXXX and it being over XXXX is not a minor quoting mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
am submitting this complaint because JPMorgan Chase Bank and XXXX  are in clear violation of the Fair Credit Reporting Act ( FCRA ) by continuing to report and verify a JPMCB Card account that has not been verified and was never opened or authorized by me. 

This account, listed as JPMCB CARD, Account No. XXXX, is being reported on my personal XXXX  credit file even though it is classified by XXXX  as a Business Card. I have no business relationship or signed contract with JPMorgan Chase for this account, and they have failed to provide any original signed application or proof of authorization despite repeated certified requests. 

Background : On XX/XX/year>, I mailed a certified dispute letter to JPMorgan Chase demanding verification of this account and requesting copies of the original signed credit agreement and application. 

Attached is the USPS green card confirming Chase received the dispute package. 

JPMorgan Chase has not responded or provided any proof that this account belongs to me. 

Despite this, XXXX continues to report the account on my personal credit file and even reflects a 120-day late payment as of XX/XX/year>, which is false and severely damaging to my credit. 

Violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX  is required by law to block identity theft-related information within 4 business days of receiving proper documentation. XXXX has failed to do this, despite receiving my FTC Identity Theft Affidavit, police report, and proof of identification. 

FCRA 611 ( 15 U.S.C. 1681i ) XXXX  failed to perform a reasonable reinvestigation and continues to verify an unsubstantiated account.

FCRA 623 ( a ) ( 3 ) JPMorgan Chase failed to accurately report information and did not properly respond to notice of dispute.

FCRA 604 and 607 Reporting a business account on a personal consumer report is an unauthorized and unlawful furnishing of business credit data to a consumer file.

Additional Facts : I am a verified victim of identity theft with supporting documentation including : FTC Identity Theft Affidavit Police Report confirming identity theft Form D64 relating to my stolen passport Both XXXX  and Chase have disregarded this documentation and continue to publish and share false information that is causing financial harm and reputational damage. 

Harm Suffered : Damage to my personal and business credit scores Loss of business and financing opportunities Wasted time and resources attempting to get this account verified Emotional distress caused by continued violations despite certified correspondence

Company response to consumer: Closed with explanation