vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hereby I will report American Express closed my credit card without prior notification, no notification after account closure, no notification about consumer 's leftover rewards after account closure, and set obstacles for consumers to use them. 

A. Close my credit card ( XXXX and XXXX ) without prior notification and no notification after account closure On XX/XX/year>, I was trying to login to my Amex credit card online account and found out my cards was cancelled. I immediately called Amex and found out two accounts were closed due to inactivity. I asked how come I don't received any written notice about this before and after accounts closure. The answer is they sent an email and I couldn't find any. 

Under my Amex account communication preference, " paper '' has always been my preference. All my statements, term change notices from Amex are sent though US mail and I have received them without any problem. I asked customer service, why this information is through email only, but didn't get any answer. Please also notice there is NO notification after both account closure, either email or mail. This clearly showed that Amex has not take due diligence steps to properly notify consumers prior and after account closure and failed to comply with related federal regulations regarding consumer rights. 

XXXX Amex gave no notification about my leftover rewards ( XXXX reward points ) after closing account, gave no notification about reward has to be used in 90 days otherwise forfeited and set obstacles for me to use them. 

On XX/XX/year>, after I was confirmed from Amex customer service about account closure, I asked about my leftover rewards and was transferred to a different team. I asked why there is no notification after my card closure and reward point program and there is no answer. However, customer service pointed out I only have 90 days to use them and helped me to order about {$1300.00} to redeem my rewards. I was told they would be mailed in 10 days. On XX/XX/year>, I called Amex again because I have received nothing from Amex and was promised to get the gift card in another 10 days. Later that day Amex customer service called me, telling me I won't be receiving {$1300.00} gift cards, due to my reward status, I can only receive XXXX gift cards. I was furious about this and Amex customer service was not sure about this either and created case number XXXX to communicate their own back end team. I was promised to get response within 10 business days. And as usual, I don't hear from them again.

Amex failed to communication reward dollar information to consumers which has a time limit, clearly with the intention that the consumers would forfeit them. After consumers find out this information, Amex used different schemes to further set obstacles for customers to redeem their reward dollars, and find ways to lower reward dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding BMW  XXXX XXXX for inaccurately reporting my auto loan account as open even though it has been paid in full. I satisfied the loan in its entirety on [ insert date ], yet BMW Financial Services has failed to update the account status to show it as closed and paid as agreed. This incorrect reporting negatively affects my credit profile, and my attempts to resolve the issue directly with the company have been unsuccessful. I am requesting the XXXX assistance in requiring BMW Financial Services to correct the account status to Closed and Paid in Full and to ensure the updated information is reported to all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-21 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-21 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: TX

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion Consumer Solutions associated with XXXX account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, TransUnion Consumer Solutions has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX Mortgage XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, This is my second complaint with Truist. I got married. In early XXXX, I requested a name change with Truist. I received a letter mid XXXX requesting documentation in support of the name change. On XX/XX/XXXX, I mailed all requested documentation back to Truist. On XX/XX/XXXX I called Truist and spoke to teammate named XXXX about this issue. XXXX had me scan & email XXXX with the same documents Id already submitted. On XX/XX/XXXX, I called back again & spoke to teammate XXXX. She said she would call me back the same day. No call back received. Today, XXXX called me back but told me they received my email with the documents, but they considered it a change of address. No idea why because I specifically called out in my email that this was a name change & included a copy of the letter Truist sent to me. When I asked to speak with a supervisor, I was told XXXX couldnt come to the phone to speak with me. At this point, I need your help yet again to get Truist to do what theyre supposed to do instead of playing games with me & all of this incompetence & lack of action. Please help. XXXX trying to also get my husband added to the mortgage. I called Truist about that last week and they said they were mailing me something but have not yet received that either. I feel I am being targeted by Truist and they are refusing to perform any changes on my account. Sadly, I have no choice as to who my mortgage holder is. If rates werent as high as they are now, Id refinance & choose another bank.

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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
This loan should be under my bankruptcy. The company is One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX

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 2025-11-21 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: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I sent a MoneyGram transfer as a direct deposit to an overseas bank account, and MoneyGram shows the transaction as Complete on my end. However, the recipient never received any deposit in their bank account. Despite proof that the funds were not delivered, MoneyGram refuses to refund the money or provide a proper resolution. 
Details of the Problem : The transfer was sent on XX/XX/year>. 
Reference Number : XXXX Service type : Direct deposit into an international bank account. 
MoneyGrams system shows the status as Completed. 
The recipients bank confirms that no funds were received, and there is no record of any incoming deposit ( posted, pending, or rejected ). 
The recipient verified this multiple times with their bank. 
Since the deposit never reached the receiving bank, the transaction was not completed, and I am entitled to a refund. 
MoneyGram has refused to issue the refund and has not provided a valid explanation for the failed transfer.

Attempts to Resolve : I contacted MoneyGram customer service by phone and email. 
I provided documentation from the recipients bank confirming that no deposit was ever received. 
MoneyGram agents insisted the transfer was complete and declined to refund the money. 
Attempts to escalate the issue within their customer service system were unsuccessful. 
What I Am Requesting : I request the CFPBs help to require MoneyGram to : XXXX. Conduct a proper investigation into the failed direct deposit, XXXX. Refund the full amount back to my original payment method, XXXX. Provide a written explanation for marking the transfer as complete when the funds never reached the recipient. 
Impact on Me : MoneyGram charged me for a service that was never provided. Their refusal to refund the funds has caused financial loss, stress, and inconvenience. I am currently unable to recover my own money. 
Supporting Documents : I can provide : MoneyGram transaction receipt Screenshot showing the transaction as Complete Bank confirmation from the recipient showing no funds received. 
Records of communication with MoneyGram refusing to assist after reach them up on XX/XX/year> and then XX/XX/year>. 
Records of second transaction via XXXX XXXX to complete the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: OH

Complaint narrative:
I am writing to dispute the following accounts and items listed on my credit report with TransUnion. These accounts are reported inaccurately and require correction. 

CHARGED OFF XXXX XXXX XXXX  : Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX : Account # XXXX, Date : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX : Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  : Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  : Account # XXXX, Date : XX/XX/XXXX, Balance : {$940.00} XXXX  : Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  : Account XXXX XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Date : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer, Freedom Mortgage, for their repeated refusal to cancel my private mortgage insurance ( PMI ) despite my meeting the legal requirements under the Homeowners Protection Act ( HPA ). In addition, they have continually refused to provide the information needed to remove PMI, including the remaining principal amount required, even after numerous requests. 

I have contacted the mortgage company multiple times to request the exact pay-down amount needed to cancel PMI. Each time, they refused to provide this information. Instead, they informed me that I would need to pay the loan down to 65 % loan-to-value ( XXXX ) to remove PMI. This is inconsistent with federal law. Under the XXXX, a borrower is entitled to request PMI cancellation at 80 % XXXX, and automatic cancellation is required at 78 % XXXX. Also, my payments are current and the property value has not declined. The property value actually has doubled according to the assessors office in XXXX XXXX. 

As of now, I have already met the 80 % XXXX threshold, and yet the servicer still refuses to process my request or provide the necessary information. Their refusal appears to be unlawful and financially harmful, as I continue to pay PMI that should no longer be required. 

I am requesting that the CFPB investigate the following : The servicers refusal to provide the required payoff or PMI cancellation information. 

The servicers assertion that PMI can only be removed at 65 % XXXX, which violates the Homeowners XXXX XXXX. 

The servicers failure to process my PMI cancellation request despite my meeting the statutory XXXX percentage. 

Any related mishandling or misrepresentation of my account. 

I am seeking the CFPBs assistance to ensure compliance with federal law and to have my PMI canceled promptly. I am also requesting any refund of PMI payments made after I became eligible for cancellation.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX. XX/XX/year> {$3000.00} unauthorized transaction ( family and friends ) through PayPal checking account. 

XXXX. XX/XX/year> {$1400.00} unauthorized transaction ( family and friends ) through PayPal checking account. 

XX/XX/year>, I contacted XXXX at XXXX am after receiving a XXXX " Family and Friends '' notification to my cell phone stating " {$1400.00} was processed to XXXX XXXX ( don't know this person ). PayPal directed me to an " IT XXXX '', who logged the complaint. 

XX/XX/year> follow-up call to PayPal, XXXX to another " IT XXXX '' who ended up telling me there was nothing they could do as the complaint/Case was under review. 

XX/XX/year>, I followed up with PayPal, I was directed to another " IT XXXX '' who ended up telling me there was nothing they could do as the complaint/Case was closed and determined I had authorized the transaction biometrically ( blatant lie ). I stated I had never authorized these transactions and case was closed. Also, told me the {$3000.00} refunded on XXXX XXXX was from the same person committing the fraudulent behavior/transaction, then on XX/XX/XXXX, told me that the $ XXXX refund is still under investigation..... this is crazy because, I'm supposed to have " fraud protect '' ...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MI

Complaint narrative:
On XX/XX/year>, I was notified by phone that XXXX XXXX was attempting to collect a debt of {$14000.00} for past-due rent and fees associated with an apartment at XXXX XXXX XXXX XXXX, FL. The alleged debt was reported under my maiden name. 

I immediately informed XXXX XXXX that this claim is fraudulent. Someone has previously attempted to rent apartments using my identity, resulting in application fees being sent to collections under my name. Those prior incidents were disputed and removed from my credit report. 

On XX/XX/year>, I requested a copy of the lease, the rental application, and an itemized breakdown of the claimed debt. I am currently awaiting these documents as well as the outcome of my dispute.

Company response to consumer: Closed with explanation