vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
American Express National Bank has failed to provide a retainable, account-specific credit card agreement despite repeated written and verbal requests over several months. They instead directed me to a generic public PDF that : Contains no identifying information ( no name, date, or signature ) Is updated quarterly without notice Can not serve as a record of what I actually agreed to When I asked for the actual contract, they admitted there is no separate signed document. This violates the Truth in Lending Act ( 15 U.S.C. 1638, Regulation Z ) and the E-SIGN Act ( 15 U.S.C. 7001 ), both of which require clear, retainable disclosures and affirmative consent to electronic delivery.

I also asked for documentation showing that American Express is the lawful holder of my account and has not pledged or assigned the receivable. They have refused to answer. Despite this, they continue to demand payment and have restricted my account access harming my ability to support my family and meet essential expenses like mortgage payments and school supplies.

I have four children and am experiencing serious financial hardship due to Amexs actions. I request the CFPB to : Require Amex to produce the original signed agreement Confirm whether they legally hold or service my account Prevent further collection or adverse action until documentation is provided If American Express National Bank is not the holder of the contract, disclose the name of the secured party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I am a long-standing and committed customer of Prosper XXXX and respectfully requested their assistance regarding a single late payment mark that recently appeared on my credit report. 

Over the course of my relationship with Prosper XXXX of over 6 years, I have processed more than XXXX payments, consistently honoring my obligations on time. Unfortunately, I was late on XXXX payment due to an issue with my XXXX XXXX account ( as this bureau can attest ), which temporarily prevented my payment from being processed as scheduled. I am pleased to report that this problem with XXXX XXXX has since been fully resolved. 

XXXX I have already reached out to Prosper Customer Service, to request the removal of this late payment mark. While they acknowledged that the report was correct, denied my request for removal. I am not disputing the accuracy of the report ; rather, I am asking for your consideration given that this was an isolated incident in an otherwise exemplary payment history. 

This isolated incident does not represent my overall commitment to maintaining a positive relationship with your company. I fully acknowledge the late payment and have implemented measures to prevent such occurrences in the future. Additionally, this mark has a significant impact on me, as I am currently in the process of purchasing my first home. 

Given my strong track record and dedication as a borrower, I kindly request that Prosper XXXX consider removing this single late payment mark from my credit report as a gesture of goodwill. 

I value my relationship with Prosper XXXX and am grateful for the support and services you provide. Thank you very much for your time and consideration. I look forward to their positive 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am requesting the removal of the personal statement currently appearing on my credit report. I no longer wish for this statement to be included in my file. Please delete it and confirm once the change has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : 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 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 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 non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectifytheseissues.

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: SC

Complaint narrative:
XXXX XXXX  account # XXXX 'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX soon as possible from my report or I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
company is stating that they have verified the disputed item with the source, company claims that information is verified from the source. 
However, when i asked the source for the verification process, source states clearly that they do not verify any information, nor do they communicate in anyway and that the company is lying about the verification process and their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I disputed several inquiries that I did not authorize and Experian will not provide the name of the actual person they spoke with to verify. They are accepting computer to computer confirmation XXXX  actual communication : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
XXXX XXXX has repeatedly held payments to post AFTER 30 days to report on my credit report that my mortgage is 30 days late. I send automatic payments through my bank to arrive well within the time frame as to not be reported on my credit report as a late payment. Most recently, on my first mortgage, payment sent to arrive by XX/XX/year> wasn't posted until XX/XX/year>. XXXX sent to arrive by XX/XX/XXXX, didn't post until XX/XX/year>. Most recently payment sent to arrive by XX/XX/XXXX has yet to be posted. XXXX has reported my account to be 30 days late each of these months and this isn't the first time they have done so. I have had these problems the last 4 years since they took over my mortgage. The 2nd mortgage has the same issue but also included them posting my payments that have clearly marked the account number for my 2nd mortgage to my 1st mortgage. They acknowledged the mistake but refused to reverse and repost and required me to send additional payments to cure the account. They call harassing me several times a day looking for payment while they hold on to my payments. I have repeatedly advised to them in writing to not call me, they have my email information and I only want correspondence in writing to keep an accurate record. They do not keep accurate records of our conversations which is why I stated I want everything in writing because of all the issues. I have back up documentation from my bank and emails to XXXX that go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX was stolen XX/XX/year>XXXX  and Target credit card was charged {$500.00} on XX/XX/year>. Police report was filed. I called and notified Target immediately of the fraudulent charge. Target closed the card and issued a new card. However, the fraudulent charge still remains on the account presently. I called Target multiple times and they advised I need to make a monthly minimum payment and the investigation will take up to 90 days. I responded that I refuse to make a minimum payment for a charge that I did not approve. They reported my account as delinquent to the credit bureau and I have accrued interest and late penalties. I have also received two notices from other credit card companies that my credit limits have been drastically lowered as a result of a review of the derogatory account that is now on my credit report. My credit score dropped XXXX points because of this. Target has refused to remedy this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
EQUIFAX has contacted me after theyre investigation and claimed to have verified these account and labeled them as Accurate Please provide to me the following : Where are the documents that you used to verify these accounts? 
What is the name of the person in your company who verified these accounts? 
What documents did they use to verify them? 
What is the method of verification? 
Please provide me with the name of that individual, their business address, and telephone number used to VALIDATE and AUTHENTICATE these accounts as true and accurate. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/year> I received copy of my XXXX  credit report. On it found a fraudulent credit card issued by XXXX  INDIGO XXXX / Concora XXXX XXXX opened in XXXX & closed by by designator due to non payment of {$2000.00}. I have never applied, received or heard of the credit card or ever received any correspondence regarding said credit card. 
Also on credit report is incorrect former address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a fraudulent address. I have never lived or used this address. It appears to be a Virtual Mailbox building. 
I have repeatedly reported by mail and numerous phone calls regarding this fraudulent credit card & address to XXXX\INDIGO thru Concora XXXX XXXX who handles disputes. I have been given the run around by their representatives in the fraud department who continue to promise to investigate and supply me with the information on how this account ended up on my credit report under my name. I have received nothing from XXXX  Indigo or Concora Collections to substantiate the authenticity of the account. 
I have also reported these inaccuracies to XXXX XXXX XXXX XXXX XXXX credit reporting services. They all told me that XXXXINDIGO would need to inform them directly and remove it from my name. 
Nothing fron XXXX  INDIGO XXXX HAS BEEN DONE TO CORRECT ANYTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am filing this complaint because I accepted a settlement offer on XX/XX/year>, for my XXXX account ending in XXXX ( Account : XXXX XXXX XXXX XXXX XXXX which was owned or serviced by XXXX XXXX XXXX XXXX The agreement was for {$1400.00} in 12 installments. 

I completed all payments, with the final settlement payment of {$840.00} made on XX/XX/year>. I have included a copy of the signed settlement letter and my payment records. 

Despite fulfilling the agreement, my XXXX app still shows a balance of {$1200.00}, and my credit report has not been updated. This violates the settlement terms, which state the account would be considered satisfied and no further obligation would exist. 

I am requesting that the credit reporting be updated to reflect : Paid in Full for Less than Full Balance with a {$0.00} remaining balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am filing this complaint because I accepted a settlement offer on XX/XX/year>, for my XXXX account ending in XXXX ( Account : XXXX XXXX XXXX XXXX XXXX which was owned or serviced by XXXX XXXX XXXX XXXX The agreement was for {$1400.00} in 12 installments. 

I completed all payments, with the final settlement payment of {$840.00} made on XX/XX/year>. I have included a copy of the signed settlement letter and my payment records. 

Despite fulfilling the agreement, my XXXX app still shows a balance of {$1200.00}, and my credit report has not been updated. This violates the settlement terms, which state the account would be considered satisfied and no further obligation would exist. 

I am requesting that the credit reporting be updated to reflect : Paid in Full for Less than Full Balance with a {$0.00} remaining balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
After reviewing my credit report, I noticed that I have negative collections listed on my credit report. The negative collections have hurt my ability to obtain new credit. Please remove the negative accounts as they have hurt my ability to obtain new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kashable LLC
State: AL

Complaint narrative:
account reporting missing late pym and open on a closed account request info to updated no response now im requesting removal completely

Company response to consumer: Closed with explanation