vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
b'Subject: New Complaint - Reissue of Undelivered Refund Check for American Express Gift Card\n\nDear Consumer Financial Protection Bureau,\n\nI am filing a new complaint regarding an unresolved issue with a refund for a non-functional American Express gift card, previously addressed in a closed CFPB case (Case Number: XXXX ). The refund check was sent to an address I no longer have access to, and I have been informed that the CFPB cannot assist with the closed case. I request assistance in compelling American Express to reissue the refund to my current \n\n\n\n\n\nOriginal Issue: The American Express gift card was unusable, prompting my prior complaint to the CFPB.\n\n\n\nRefund Problem: A refund check was issued but mailed to a po box, which I cannot access due to a recent move. The check remains undelivered, and the case is now closed.\n\n\n\nCurrent Request: I ask that American Express or the relevant payment issuer, reissue the refund check to my current address: XXXX XXXX XXXX XXXX XXXX. Alternatively, I am open to receiving the refund via direct deposit to my bank account.\n\nI have attempted to resolve this with American Express by contacting their Gift Card Customer Care at XXXX but cannot proceed as the gift card is no longer valid. Please investigate and ensure the refund is reissued promptly. I can provide proof of identity or additional documentation, such as the original gift card details or prior CFPB correspondence, upon request.\n\nFor further communication, please contact me at XXXX XXXX XXXX or my email XXXX Thank you for your assistance in resolving this matter.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
All three major credit reporting agenciesXXXX, Equifax, and XXXXare currently reporting a late payment for XXXX XXXX XXXX  ( account number XXXX ) dated XX/XX/year>. This reporting is false, misleading, and materially damaging to my credit history. The entry inaccurately portrays my payment performance, and there is no legitimate, documented basis for its inclusion on any of my credit reports.

Under 15 U.S.C. 1681e ( b ), all credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information they report. The appearance of this alleged late payment directly contradicts my payment records, and the bureaus have failed to provide any original evidence from XXXX XXXX XXXX proving that I was in default or delinquent on the stated date. Merely relying on automated data feeds or unverifiable third-party furnishing does not meet the legal standard of accuracy required under the FCRA. 

When I disputed this item, each bureau issued a generic verified response without producing any original account statements, payment ledgers, or communications from XXXX XXXXXXXX XXXX  that substantiate the delinquency. This is a clear violation of 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation. A reasonable reinvestigation means obtaining the actual source records from the original creditornot rubber-stamping a furnishers automated response or using outdated database entries that may contain errors. Without true documentary proof, there is no lawful basis to continue reporting this alleged late payment.

The ongoing presence of this false late payment is causing severe harm. It lowers my credit score, limits my access to favorable lending terms, and unjustly signals to potential creditors that I am an unreliable borrower. Beyond the financial damage, this misrepresentation impacts my credibility and reputation, creating a false narrative about my financial integrity. The bureaus failure to ensure the accuracy of this record and their refusal to correct it after dispute is a willful and negligent violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-08-08 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:
As someone who pays bills promptly, this mark is inaccurate and should be corrected. Please remove it from my record.

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 2025-08-08 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: FL

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-08 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
I received a copy of my credit report and noticed a derogatory account with XXXX XXXX XXXX. They are reporting a debt of {$1500.00} that I dont recognize. I sent them a dispute letter to validate the debt and also correct/delete the inaccurate information on my credit report. Under 15 U.S.C. 1681 they must conduct a reasonable reinvestigation of this matter within 30 days. Until then I ask for all reported information be deleted off my credit report until investigation is over.

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX XXXX disputed on XX/XX/year> for XXXX dollars and they not saying anything to Me back when it state in there contract they will by XXXX Business days if longer they will credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CT

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company.

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information currently listed on my credit report is inaccurate. I have attached the necessary documentation to support the correction request. I am specifically requesting the removal of all outdated or incorrect addresses from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as SYNCB/TJX XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report.

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company.

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Future Judgement Solutions
State: NC

Complaint narrative:
Started getting phone calls from debt collector. I asked what the debt was for and was informed that they could not tell us who the original debtor was. We sent a letter certified mail disputing the debt asking for information on about the original debtor. After verifying that the letter was received. The debtor has continued to call us and send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by Experian Information Solutions Inc. My credit report contains inaccurate late payment notations for the account XXXX ) -XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX  XXXX  with account number XXXX ) XXXX, XXXX ) XXXX, which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed. 
o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
2. Violations of Applicable Laws : XXXX Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made. 
o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement. 
o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting. 
o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with Experian Information Solutions Inc, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on 8/8/25 under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: KY

Complaint narrative:
Account in the name of XXXX XXXX cash tag is $ XXXX my account was stolen. A card ending in XXXX was linked to my account & im not familiar with they stole everything I had.

Company response to consumer: Closed with explanation