vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Request for Removal from Blacklist & Reinstatement as Member Ref : CFPB XXXX XXXX. XXXX & XXXX ; Accounts ending XXXX and XXXX Dear American Express, I respectfully request reconsideration of my status and removal from any internal blacklist so I may again become an American Express cardmember. 
From XX/XX/XXXX until XX/XX/XXXX, I was a loyal American Express member with no issues or delinquencies. Unfortunately, in XXXX my identity was compromised, and fraudulent activity occurred on several of my accountsincluding but not limited to my American Express accounts. 

As a result of this identity theft, my cards were canceled in XX/XX/XXXX despite my previously unblemished history. 
Although I did not cause these debts, I accepted responsibility in court and resolved them. Specifically, I entered intoand have paidthe obligations pursuant to a Stipulation for Conditional Entry of Judgment under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX American Expresss XXXX XXXX, XXXX correspondence also references the related litigation. 

That stipulation explicitly incorporated a waiver under XXXX  XXXX XXXX XXXX, confirming that the matter was fully and finally resolved, including any unknown claims. This reinforces that the prior disputes with American Express have been legally settled and XXXX. 

Federal law also recognizes protections for identity-theft victims. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including its identity-theft provisions, ensures fair treatment in credit reporting and consumer use of financial information. In light of these principlesand given that I repaid obligations that arose from identity theft I am asking for a fair evaluation of my eligibility for reinstatement. 
Since resolving the matter, I have worked diligently to restore and maintain an excellent credit profile. I am attaching my most recent credit reports, which reflect a clean history and perfect payment performance since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: NV

Complaint narrative:
Ive called many times through out the month since XX/XX/XXXX when the issue arose of being declined. Ive called, got a new card, activated, declined, didn't work, and called again. Now about less than a month to get a bonus for spending on the card which I won't be able to achieve due to this problem. Every time I call they tell me the same thing, " we can't do anything '' or " did you try to use it in person ''. This is ridiculous. The last time I called they ordered me another card and it has been two weeks since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I would like to know if I owe any money for my student loans. And if so, what is the balance so that I may make arrangements to pay. My fear is that I will be expected to pay with my limited salary. I assumed a new job to prepare, and my body is getting weary. Soon I will be eligible for Social Security and I will live off of a fixed income. I would prefer to know sooner than later what is my outstanding debt. 

In XX/XX/year> I received a notice from the student loan forgiveness program that some of my student loans were forgiven and not all. I attempted to reach out to XXXX  and have not been successful in connecting with anyone. Despite numerous attempts and many hours on hold. I am struggling with XXXX  following numerous demands from XXXX  for payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/year>, I scheduled a one-time payment of {$330.00} for my auto loan and then canceled AutoPay. I received a confirmation email for the scheduled XXXX payment. 

On XX/XX/year>, Capital One withdrew {$330.00} from my bank account without my authorization. I did not schedule this payment, and I did not receive any confirmation email. 

On XX/XX/year>, Capital One withdrew another {$330.00}. Their system shows it as scheduled, but I did not schedule this payment. I would never have authorized {$330.00} biweekly payments. I either use full AutoPay for {$660.00} near the due date or make a one-time manual payment not {$330.00} installments. 

After these unauthorized XXXX debits, my loan payment schedule became disrupted : XX/XX/year> XXXX payment was processed. 
XX/XX/year> A payment was processed. 
XX/XX/year> XXXX payment was processed. 
XX/XX/year> XXXX payment has been processed so far, so I am again at risk of being reported late. 

I have always been careful and never late before. This problem started only after Capital One wrongly placed me into biweekly {$330.00} drafts without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
I am filing a complaint regarding XXXX consistent failure to report my credit card balances accurately and in a timely manner. My sparrow account has a limit of {$400.00} and a balance of {$67.00}, yet XXXX is reporting the balance as of XX/XX/XXXX as {$200.00} and the company has verified that they send the updated balance every first of the month. 

My creditors have confirmed to me in writing and verbally that they transmit my updated statement balances to all three credit bureaus on time, aligned with my billing cycle. Both XXXX and XXXX update my balances promptly. However, XXXX repeatedly delays reporting my updated balances by weeks after the statement closing date, which causes my reports to reflect outdated and inflated balances. 

When I dispute this with XXXX, they often update my account with an incorrect balance that does not match my official statement balance, despite me providing supporting documentation. This inaccurate reporting directly impacts my credit utilization ratio and my credit score, which affects my ability to obtain fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and their handling of my account. 

When I contacted XXXX XXXX XXXX by phone, ( this was months ago ) I requested to set up a payment plan to pay off my debt in good faith. I was told that they do not allow payment arrangements and that the balance must be paid in full at once. This policy creates an unreasonable hardship for me, as I am not in a financial position to make a lump-sum payment. 

I am committed to paying this debt, but without the option of a payment plan, I am unable to resolve it. This is particularly harmful because I am trying to go back to college, and I can not register for classes until this balance is resolved. By refusing to allow payment arrangements, XXXX XXXX XXXX is creating a barrier that is preventing me from continuing my education and improving my financial future. 

I respectfully request that the CFPB review this matter and require XXXX XXXX XXXX to work with me on a reasonable payment arrangement so that I can fulfill my obligation in good faith while avoiding further unnecessary harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: MD

Complaint narrative:
Re : Failure to Provide Notice of Negative Information ( 15 U.S.C. XXXX ( a ) ( XXXX ) ) To Whom It May Concern, Upon review of my credit report, I have discovered that you furnished a late payment on the above-referenced account to XXXX or more consumer reporting agencies. 

As you are aware, the Fair Credit Reporting Act, 15 U.S.C. XXXX ( a ) ( XXXX ), requires that a furnisher of information provide written notice to the consumer no later than XXXX  days after furnishing negative information to a consumer reporting agency. 

To date, I have not received any such notice. A billing statement or past due reminder is not sufficient under the law. The statute requires a distinct and clear disclosure stating that negative information will be or has been reported to the credit bureaus. 

Therefore, I am demanding that you provide : A copy of the written notice you claim to have sent me under XXXX ( a ) ( XXXX ) ; The date it was mailed, the address it was sent to, and the method of delivery ; Evidence of compliance procedures your company follows to ensure adherence to XXXX. 
If you can not provide verifiable documentation, then the late payment entry is procedurally defective and must be removed from all consumer reporting agencies to whom you furnished it. 

Please respond within XXXX days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Innovis Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> To : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, PA XXXX Re : Immediate Removal of Fraudulent Addresses/ Identity Theft FCRA & Texas Law Violation Dear Innovis, I am formally demanding the immediate removal of fraudulent and unauthorized addresses that have been incorrectly associated with my Innovis consumer file. These addresses are completely false and I have never lived at any of them. Their inclusion in my file constitutes identity theft and is misleading, inaccurate, and unlawful. 

Fraudulent Addresses to be Removed Immediately : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The continued reporting of these addresses is factually incorrect and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ). Innovis is legally required to maintain maximum possible accuracy and to block information resulting from identity theft. Failure to comply constitutes willful noncompliance, exposing Innovis to statutory damages and potential civil liability. 

Supporting Documentation Enclosed : Copy of government-issued ID Proof of current address ( utility bill/lease ) Copy of my credit report highlighting the fraudulent addresses DEMANDS : XXXX. Immediately delete and block the fraudulent addresses from my consumer file. 
XXXX. Conduct a full, thorough reinvestigation and provide written confirmation within 30 days of receipt of this dispute.

3. Ensure these addresses can not be reinserted or reported in the future, as required under FCRA 1681c-2.

4. Provide an updated copy of my consumer file showing all fraudulent information removed.

Let this letter serve as official notice : continued reporting of these completely false addresses will constitute willful and negligent violation of federal and state law. I will pursue all available legal remedies, including damages under FCRA 616-617 and Texas law , and escalate to the CFPB, FTC, and courts if necessary. 

I expect immediate, complete, and documented compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
Ive been overcharged a large amount, i was told that the payments i was making wasnt helping me or really being applied to anything. When in fact all payments should be applied and documented. I had a XXXX loan, its been XXXX yrs going on XXXX added XXXX in interest at the end of my loan unexplained. At the beginning of 2024 i revived a notice that i owed around XXXX after paying XXXX at XXXX dollars a month, in the last XXXX yrs ive paid them ruffle XXXX, and since then the amount only changed by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 2025-09-06 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: FL

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit file. After reviewing my credit reports, I noticed that XXXX late payments have been reported on the following account, for which I have never been late : Account Name : XXXX  XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reflected in my credit reports. Specifically : 15 U.S.C. XXXXi ( Section XXXX of the FCRA ) : Provides me the right to dispute information that I believe to be inaccurate, and requires the credit reporting agencies to conduct a reasonable reinvestigation within XXXX days. 


15 U.S.C. XXXX ( b ) ( Section XXXX ( b ) of the FCRA ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 


15 U.S.C. XXXX ( Section XXXX of the FCRA ) : Requires furnishers of information ( such as creditors or lenders ) to report information accurately and to correct or delete any information that they knowor should knowis inaccurate. 


I request that you provide documented proof ( such as account statements or payment history ) that supports these alleged late payments. If no such proof can be provided, I demand that these items be deleted or corrected to reflect on time payments, as required by law. 
Please consider this letter a formal dispute under the FCRA. If this inaccurate information is not removed or corrected, I reserve my right to pursue further remedies available under the law. 
Thank you for your prompt attention. I expect this matter to be resolved within the legally required time frame. 
Sincerely, 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : American Express Retaliatory Credit Limit Reduction I am updating my complaint against American Express to report additional retaliatory conduct in the midst of a disputed charge. 

On XX/XX/scrub>, 2025, American Express reduced my credit limit from {$2000.00} to {$1900.00}. This change is clearly punitive and serves no legitimate business purpose. At present, the only outstanding matter on the account is a single disputed charge of approximately {$1700.00}, which Amex has unilaterally inflated with excessive fees. 

Reducing the limit under these circumstances : Increases my utilization ratio artificially, thereby worsening my credit profile during the pendency of an active dispute. 

Has no rational benefit to American Express, since the account is already nearly maxed out due to the disputed balance. 

Appears designed solely to retaliate against me for pursuing regulatory complaints and refusing to pay for charges I dispute in good faith. 

This action is consistent with Amexs broader pattern of bad-faith behavior : recycling old denial letters across regulators, ignoring the merits of my dispute, and adding fees to balances under review. 

Instead of resolving the base problem, Amex is allowing the disputed charge to fester by treating as a tort ... and they are deliberately compounding the the problems associated XXXX this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Kikoff Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I was going to make a payment, they told me that i was still in my grace period and i received a message from kickoff offering me to suspend my credit builder. They told me it was no longer available, but it was still showing up on my screen, And then they said they needed to do a investigation, that started on XX/XX/XXXX. I kept getting the same responds, they sent me that they paused offer. They dragged it out to XX/XX/XXXX, then they told me that they would cancel it and there would be no late fees for taking a long time, and they did put a 30 day late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting inaccurate late payments on my report such as XX/XX/XXXX XX/XX/XXXX please reinvestigate I make 2 different payments to pay early around that time but for odd reason being reported as monthly payment is late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: NV

Complaint narrative:
It has come to my attention that XXXX XXXX is reporting inaccurate late payments on my report such as XX/XX/XXXX XX/XX/XXXX please reinvestigate I make 2 different payments to pay early around that time but for odd reason being reported as monthly payment is late

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
PHOENIX RECOVERY GROUP has been reporting a collection Account # XXXX, XXXX for {$5200.00} and for {$1500.00} on my credit file that does not belong to me for XXXX THE EDGE. for an apartment at XXXX XXXX XXXX. XXXX XXXX XXXX TX XXXX. I never resided at this address.

Company response to consumer: Closed with explanation