vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My XXXX  account is frozen with a lot of money in it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Subject : Deceptive Marketing and Denial of Promotional Bonus Delta American Express Credit Card To Whom It May Concern : I am filing a formal complaint regarding deceptive marketing and unfair denial of a promotional bonus by American Express/Delta finance . 

Summary of the Issue : I received a promotional email from Delta Air Lines offering XXXX Delta SkyMiles after spending {$3000.00} on a new Delta American Express credit card. The email contained a link to apply. I clicked this link directly from the promotional email and completed the credit card application. 

I was approved immediately, and at no point during the application process was I shown any warning, disclosure, or notice stating that I would not be eligible for the XXXX promotional offer. 

After receiving my card, I proceeded to spend over {$3000.00} in good faith reliance on the promotional terms. Once I reached the required spending threshold, I contacted American Express customer support at XXXX to inquire about the promotional miles. I was then informed that no such promotion was associated with my account, despite the fact that I applied directly through the promotional link provided in the Delta email. 

Why This Is a Violation : American Express advertised a specific promotional bonus ( XXXX miles ) tied to an application link they provided. 

I applied through that link and was approved without any disclosures contradicting the offer. 

Only after fulfilling the spending requirement was I told I was not enrolled in the promotion. 

This constitutes deceptive or misleading advertising, as defined under CFPB regulations, and results in financial harm since I relied on the promotional terms when applying and making purchases. 

Requested Resolution : I respectfully request that the CFPB require American Express to : Honor the advertised XXXX Delta SkyMiles promotion for my account ; and Review their marketing and application process to ensure consumers are not misled by promotional emails that do not properly link or apply the stated offer. 

I am willing to provide copies of the solicitation email, screenshots, application confirmation, and statements showing that I met the spending requirement. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding American Express failure to properly investigate and resolve my billing dispute case XXXX involving a purchase from XXXX for XXXX XXXX XXXX XXXX tickets. 
XXXX sold me tickets for the XXXX  XXXX XXXX XXXX at a time when XXXX had not released any official tickets for public sale at the time. The official XXXX website clearly stated that tickets would only be made available through a lottery / application process and that no direct ticket sales were authorized at the time of my purchase. Therefore, the tickets advertised and sold by XXXX could not have been legitimate inventory and the transaction was inherently deceptive and based on misrepresentation. 

Despite submitting evidence to American Express proving that tickets were not officially available at the time of sale, American Express improperly processed my dispute as a " delivery timing issue '' rather than addressing the core issue of deceptive sales and misrepresentation XXXX! American Express accepted the merchants generic claim that tickets would be delivered closer to the event date without evaluating whether these tickets existed at the time of purchase. i have contacted American Express more than XXXX times through phones and online chats. At the first 4 times they refused to even open a case for me ; after i finally opened the case ; they easily closed my case and said the merchant advised the tickets will be sent closer to the event date which was completely not the reason why i tried to dispute this charge. i asked to reopen the case and Amex giving me a hard ; i tried XXXX more time they finally reopened for me but still treating this as a delivery timing issue, when my case is actually misrepresentation and sale of non-existent tickets. 
American Express failed to properly investigate my dispute involving misrepresentation and deceptive sale of XXXX XXXX XXXX tickets. Instead of addressing the fact that XXXX sold tickets that were not released and did not exist at the time of sale, Amex incorrectly processed the dispute as a delivery timing issue. This constitutes failure to conduct a reasonable investigation under the Fair Credit Billing Act ( FCBA ). The merchant response does not refute my evidence that tickets were unavailable at the time of purchase. 
American Express has therefore allowed a deceptive and unauthorized transaction to stand, causing me financial harm and undermining the protections afforded to consumers under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a car rental with XXXX XXXX XXXX through XXXX for XXXX XX/XX/year>. The price shown on XXXX did not include any mandatory insurance fee. 

When I arrived at the XXXXXXXX XXXX  counter on [ insert pickup date ], the employee informed me that I had to pay an additional {$490.00} for insurance, which they claimed was mandatory. I explained that this fee was not disclosed on XXXX. The employee told me that if I did not sign the agreement including the {$490.00} fee, I would lose the rental and the money I had already paid. 

I felt I had no choice but to sign under pressure in order to receive the car I had already paid for. This was a forced acceptance of a fee that was not previously disclosed, and the final price I was charged was significantly higher than the price shown at the time of booking. 

I filed a dispute with Chase on XX/XX/year> for this {$490.00} fee, explaining that the charge was not disclosed and I was pressured into accepting it. Chase denied the dispute, stating that I had signed the agreement and used the car, but this does not address the misrepresentation and coercion involved in the situation. 

The total amount in dispute is {$490.00}. I am requesting that the CFPB review this case as an unfair or deceptive business practice and improper handling of my dispute by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Collection notice .i need the proof that this account is mine and that any document with signature.

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: 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: GA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit report for two accounts. The first account, XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$0.00}, which I believe is inaccurate. The second account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$1000.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, all of which I dispute. These inaccuracies are affecting my credit profile and may impact my ability to obtain credit, loans, or other financial services. I request that the credit reporting agencies thoroughly review these accounts, verify all reported information directly with the creditors, and correct any inaccurate details.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit report for two accounts. The first account, XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$0.00}, which I believe is inaccurate. The second account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance owed of {$1000.00}, a date opened of XX/XX/XXXX, and a last activity date of XX/XX/XXXX, all of which I dispute. These inaccuracies are affecting my credit profile and may impact my ability to obtain credit, loans, or other financial services. I request that the credit reporting agencies thoroughly review these accounts, verify all reported information directly with the creditors, and correct any inaccurate details.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Number : XXXXXXXX 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 2025-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: GA

Complaint narrative:
I, XXXX XXXX, am writing as the successor in interest to the late XXXX XXXX XXXX regarding the above-referenced mortgage loan. Despite prior submissions of documentation proving my successor status and multiple calls and email requests acknowledging my rights, the account was transferred to another servicer, XXXX XXXX, without recognizing me as successor in interest. 

This letter constitutes a retroactive Notice of Error and Request for Information pursuant to RESPA 2605 ( e ) and 12 C.F.R. 1024.36.

Background/ Issues : 1. I submitted all required documentation establishing my status as successor in interest.

2. I sent multiple emails and communications documenting my requests for acknowledgment and account information. 
XXXX. Despite these communications, the mortgage account was transferred within a year of my fathers passing without proper acknowledgment of my successor rights, causing confusion and potential risk to my legal and financial standing. 

Requests/ Demands : Accordingly, I request that Mutual of Omaha : Provide written acknowledgment that I am the legal successor in interest for this loan. 
Provide the full account history, including all servicing transfers, statements, and notices sent during the period following my fathers passing. 
Explain why the account was transferred without recognizing my successor status. 
Confirm that all successor documentation previously submitted has been processed and recognized. 
Direct all future correspondence regarding this loan to me as successor in interest. 

Legal Notice / CFPB Oversight : If a complete response is not received within 30 business days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ). A copy of this request is being submitted to the CFPB for oversight and recordkeeping. 

Please send your written response to my address above. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX, Successor in Interest

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 — Public record information inaccurate
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
STATEMENT OF COMPLAINT : I am submitting this complaint because XXXX  and XXXX  are reporting information that is inaccurate, misleading, unverifiable, and unlawfully maintained. These errors, combined with the fact that my personal information was compromised in both the XXXX  and XXXX  data breaches, have caused significant harm and expose me to ongoing risk. 
These actions violate multiple sections of the Fair Credit Reporting Act, including : FCRA 602 ( A ) Accuracy, fairness, and integrity of reporting FCRA 605 ( b ) Prohibition on reporting unverifiable or misleading adverse information FCRA 605 ( c ) Mandatory blocking of certain harmful information FCRA 607 ( b ) Requirement of maximum possible accuracy FCRA 611 ( a ) Obligations to correct and delete disputed inaccuracies DEROGATORY ITEMS APPEARING ON MY XXXX  REPORT : XXXX. XXXX XXXX XXXX Mortgage Account ending XXXX * * * * Reported as XXXX days late Listed as included in bankruptcy Reporting derogatory information after discharge XXXX. XXXXXXXX XXXX XXXXXXXX Mortgage Account ending XXXXXXXX XXXX XXXX XXXX XXXX Reporting XXXX delinquency timeline despite being transferred XXXX. XXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX Reported as a chargeoff/collection Showing past-due status after bankruptcy discharge XXXX. XXXX ( XXXX ) Credit Card Account ending XXXXXXXX XXXX XXXX XXXX XXXX Reported as a chargeoff Listed as included in bankruptcy XXXX. XXXX  XXXX XXXX Bankruptcy Unverifiable, as the bankruptcy court does not provide data to credit reporting agencies DEROGATORY ITEM APPEARING ON MY XXXX  REPORT : XXXX. XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX  Reported as a chargeoff/collection Showing derogatory information after bankruptcy discharge LEGAL SUPPORTING AUTHORITY : XXXX XXXX XXXX  Reinvestigations must be meaningful and thorough. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX information can not be reported. 
XXXX XXXX XXXX XXXX derogatory reporting is unlawful. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX information is considered inaccurate. 
XXXXXXXX XXXX XXXX XXXXXXXX accurate but misleading information must be removed. 
DATA BREACH IMPACT : My identity was compromised in both the XXXX  and XXXX  XXXX breaches. Because of this, inaccurate or unverifiable reporting places me at increased risk of harm and identity misuse. All disputed information must be handled with heightened scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC Bank I have been a loyal PNC customer since XX/XX/year>. Even after all three branches near me closed XXXX of which were turned into financial centers without tellers or cash I still stayed with the bank. In nearly XXXX  years, I never bounced a check, never had insufficient funds, and maintained an excellent credit score of XXXX. My home and vehicles are paid off, and I have always been a responsible customer. 

The only change in recent years is that I became involved in business and had more transactions. Then this year, without any explanation, I received a letter stating that PNC was closing my account and giving me only a couple of weeks until XX/XX/XXXX to find a new bank. No reason was provided. 

I asked long-time tellers at my local branch, and they told me there was no issue and that they wanted me to stay. When I called corporate, I was told they did not have to give me a reason. After over 28 years of loyalty, this was extremely disappointing and felt like a very disrespectful way to treat a long-standing customer. 

PNCs shift toward digital-only services, branch closures, and lack of transparency ultimately pushed me to close my account. It is deplorable to be dismissed so abruptly after nearly XXXX decades of responsible banking.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint to report ongoing inaccuracies and misleading information on my credit reports with Experian, Equifax, and TransUnion, despite multiple prior disputes and verification requests. These inaccuracies continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, all three bureaus continue to report outdated and incorrect addresses that have not been associated with me for years, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite my current and only valid address being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Furthermore, I am disputing the continued reporting of accounts with XXXX balances, labeled as Included in Bankruptcy or Unrated, such as XXXX XXXX XXXX ( Acct. XXXX ), XXXX XXXX ( Acct. XXXX ), and others, despite these accounts having no remaining debt. These erroneous notations cause misleading double penalties and misrepresent my financial standing. Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I am entitled to accurate, verifiable information, and I have requested multiple times for these items to be deleted. While Equifax has made some progress by removing certain inaccurate data, Experian and TransUnion have failed to take similar corrective action, resulting in inconsistent reporting across the three bureaus. This discrepancy is causing significant harm to my creditworthiness and violates FCRA requirements for fair and accurate reporting.

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: 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: NY

Complaint narrative:
I am filing this complaint to report ongoing inaccuracies and misleading information on my credit reports with Experian, Equifax, and TransUnion, despite multiple prior disputes and verification requests. These inaccuracies continue to violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, all three bureaus continue to report outdated and incorrect addresses that have not been associated with me for years, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, despite my current and only valid address being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Furthermore, I am disputing the continued reporting of accounts with XXXX balances, labeled as Included in Bankruptcy or Unrated, such as XXXX XXXX XXXX ( Acct. XXXX ), XXXX XXXX ( Acct. XXXX ), and others, despite these accounts having no remaining debt. These erroneous notations cause misleading double penalties and misrepresent my financial standing. Under FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ), I am entitled to accurate, verifiable information, and I have requested multiple times for these items to be deleted. While Equifax has made some progress by removing certain inaccurate data, Experian and TransUnion have failed to take similar corrective action, resulting in inconsistent reporting across the three bureaus. This discrepancy is causing significant harm to my creditworthiness and violates FCRA requirements for fair and accurate reporting.

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