vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX XXXX, I transferred XXXX American Express Membership Rewards points to XXXX XXXX XXXX XXXX after XXXX publicly promoted a 30 % XXXX bonus offer that explicitly displayed the AMEX logo among eligible transfer partners. The offer appeared on XXXX official website with no disclaimers excluding AMEX, leading any reasonable consumer to believe that the promotion applied. 

After completing the transfer, XXXX refused to apply the bonus, later claiming AMEX was not a participating partner. This is false advertising. If AMEX was not part of the offer, its logo should not have appeared on the promotional page. I relied on that representation in deciding to transfer my points. 

When I contacted XXXX XXXX, I was repeatedly misled, transferred between supervisors, and promised responses that never came. Over XXXX calls, several chatting attempts, and many emails to supervisors and escalation teams later, nothing was resolved. To make matters worse, a XXXX supervisor reserved our honeymoon businessclass seats ( XXXX ) for XXXX month while they reviewed the issue, then canceled the reservation after only XXXX without notice. The same flights now cost double the mileage ( XXXX ). 

I contacted AMEX Membership Rewards for help. After multiple escalations, a supervisor opened a case but stated over the phone that even if a promotion lists participating partners, that doesnt mean AMEX is part of that promotion. This response ignores the fact that XXXX used AMEXs logo and name to induce a transfer, which constitutes misuse of brand and partner misconduct. This attempt at addressing this told me that the AMEX customer service team is not on it's client side. 

I am now left with XXXX locked in XXXX system, a ruined honeymoon booking, and no accountability from either company. This situation represents false advertising, deceptive partner conduct, and failure by AMEX to protect its customers from misuse of its brand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FourLeaf Federal Credit Union
State: MA

Complaint narrative:
I am filing a complaint against a debt collector located in Bethpage, New York, who has reported an unvalidated collection account on my TransUnion credit report. 

Account Information : Account Name : Collection Agency Bethpage, NY Balance : {$63.00} Date Opened : XX/XX/year> This company furnished a collection account to TransUnion without ever sending me a written validation notice within five ( 5 ) days of their initial communication. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), a debt collector must provide a dunning letter or written validation notice within five days of first contact, and must also cease all reporting or collection activity until the debt is properly validated.

Since I have received no such documentation or verification, this debt remains unvalidated and unverified. Continuing to furnish or verify the account with TransUnion while failing to validate violates FDCPA 1692g ( b ) and FCRA 1681e ( b ), which requires credit furnishers to ensure accuracy and proper verification of disputed data. 

I do not recognize this debt and have sent a written request for validation. Until proper documentation is provided, including : The name and address of the original creditor, A signed contract or agreement bearing my signature, A full itemized accounting explaining how the {$63.00} balance was calculated, Proof that this company has legal ownership or assignment to collect, and Proof that a validation notice was mailed within five ( 5 ) days of the initial communication, all credit reporting and collection must stop.

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 2025-10-28 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: 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 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 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WA

Complaint narrative:
Received an email on XXXX that a new login was detected on my Chime account. Then that a debit card was on the way. I have never created a Chime account in the past. I called Chime the same day and informed them that I did not create an account or attempt to log in. They asked me to reset my password but it was not working until I requested the forgot my email option, then I discovered my email address was incorrect. Yet I was still receiving email notifications? They also informed me that the debit card that was ordered is unable to be cancelled and did not show any concern that I did not order it myself nor do I have any desire to have one. I still have no idea how an account got set up with the incorrect email address but I was still receiving emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
Discovering a late payment on my account is both unexpected and concerning, considering my track record of punctual payments. This discrepancy is causing unnecessary worry, and I urge you to update my records to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-10-28 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act, I dispute the accuracy and completeness of the following items in my Experian credit file : XXXX. XXXX  XXXX ( Acct # XXXX ) Reported as Collection/Charge-off. Please verify with the furnishers primary documentation. If not substantiated, delete. 
XXXX. XXXXXXXX XXXX ( Acct # XXXX ) Charged off ; request verification under 1681s2 ( b ). Absence of 1099-C or ongoing balance makes the report inaccurate. 
XXXX. XXXX ( Acct # XXXX ) Late status inconsistent with actual payment records. Correct or remove under XXXX. 
XXXX. XXXX ( Acct # XXXX ) 30-day late listed without documentation. 
XXXX. XXXX XXXX ( Acct # XXXX ) 30-day late marking inconsistent with other bureaus. 
Under 1681i ( a ) ( 1 ) ( A ), Experian must conduct a reasonable reinvestigation and notify me of the results within 30 days.

Please also provide the business name, address, and phone number of each furnisher you contact, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XXXX XXXX XXXX, I tried adding XXXX to my XXXX account. I got a notification saying that the transaction couldn't be completed. I tried again, adding another XXXX to my XXXX account. I received the same notification, this transaction can not be completed. I didn't try again. The next day, XXXX had been taken from my checking account at XXXX XXXX and added to my XXXX account. I contacted XXXX and asked them to stop the transaction and return the XXXX to my checking account. I was told that it wasn't possible as the funds would be available for use in 7-10 business days. I couldn't wait 7-10 business days and I wasn't able to send the money back to my checking account myself. I contacted my bank and disputed the XXXX. The bank gave me a XXXX dollar credit for the XXXX that they withdrew. XXXX  is now saying that they refunded money that I never had in my XXXX account saying that my XXXX account is negative XXXX dollars. I've sent them multiple emails saying that XXXX. XXXX is insisting that I received two XXXX credits. That is not the case. XXXX sent a email with all four tracking numbers showing where XXXX received the funds and the tracing numbers where XXXX took the funds back. They still insist that they never got the funds. My bank is insisting that they did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: LA

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 non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
I paid {$170.00} to XXXX XXXX on XXXX XXXX XXXX for round trip flight ticket upgrade and was supposed to receive round trip ticket with upgrades within 24 hours. I did not receive complete round trip ticket. 

I called XXXX airline regarding this issue several times ( Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and third-party agent who initially booked flight before upgrade before filling dispute with American Expres but I did not receive any solution. 

I did not receive complete round-trip flight ticket in 2.5 months which I was supposed to receive within 24 hours of payment. 

Then I filled dispute with American Express on XXXX XXXX XXXX ( almost after 2.5 months ), denied to airline to go with ticket anymore. American Express claim id is XXXX

I received complete ticket on XXXX XXXX or after which was too late. I am not responsible for 3 months delay from airline side.

It also makes it to fraudulent transaction.

American Express denied my claim multiple times and I reopened it again. Last time it was resubmitted on XXXX XXXX XXXX with all information included. Today, XXXX XXXX XXXX, they have requested same information which I have already provided to them.

American Express is trying to sabotage this situation so they don't pay me back {$170.00} which is covered with credit card protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I am submitting this follow-up response regarding Wakefield & Associates , LLCs reply to my original complaint. Their response failed to provide lawful validation of the alleged debt, did not include any original signed contract, and relied on automated credit bureau processes ( e-OSCAR ) rather than an actual human investigation as required under federal law. 

Wakefield acknowledged that they received multiple indirect disputes through the credit bureaus but no direct dispute. I have now submitted a direct dispute to their XXXX, TN address as they instructed, demanding full documentation under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Their previous CFPB response did not satisfy the debt validation standards established under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). Wakefield provided no : Chain of title showing assignment or transfer of the account from XXXX XXXX XXXX XXXX XXXXXXXX XXXX to Wakefield & Associates , LLC. 

Wet-ink signature contract bearing my signature proving any agreement or obligation to Wakefield & Associates XXXX 

Proof of legal right or credentials authorizing Wakefield to collect debts in the State of Georgiaonly written statements that they do not need a license. 

Itemized billing ledger or documentation substantiating the amount claimed. 

Assertions are not evidence. Automated e-OSCAR or Metro 2 system responses are not investigations under federal law and do not constitute valid debt verification. 

In addition, the original creditor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  appears to have violated HIPAA privacy laws by selling or disclosing my protected medical and billing information to Wakefield & Associates without my written authorization. Under 45 CFR 164.502 ( a ) and 164.502 ( e ), disclosure of protected health information ( PHI ) for debt collection purposes is not permitted without express, written consent from the patient. No such consent was ever provided.

Wakefields claim that it operates as a business associate does not override HIPAAs requirement for a lawful Business Associate Agreement ( BAA ) that specifically allows such disclosure, nor does it authorize Wakefield to access or use my medical data for debt collection purposes. This represents a serious violation of my privacy rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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 unfamiliar with these accounts and believe they result from fraud. Kindly investigate and remove them from my credit history. Documentation is enclosed.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Company : CBNA Issue : Inaccurate Credit Reporting / Failure to Issue 1099-C / Dispute Not Resolved Complaint : CBNA reported my account as a charge-off with a settlement flag, even though part of the debt was forgiven. They did not issue the required IRS Form 1099-C for the forgiven amount.

I previously disputed this account, but CBNA failed to resolve my dispute. Reporting the debt as settled without issuing the 1099-C is inaccurate under the Fair Credit Reporting Act ( FCRA ) and violates IRS reporting rules.

Resolution Requested : Correct or remove the inaccurate settlement flag from my credit report.

Issue the required 1099-C for the forgiven debt. 

Properly resolve my dispute in compliance with FCRA. 

I expect confirmation of receipt and a timeline for resolution.

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 2025-10-28 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a voice mail telling me to call XXXX my supplier right away. The number was XXXX upon dialing the number. The person on the other end informed me that my electric was going to be shut off. They explained to the supplier that supply my service was taking over and XXXX had no choice to cut my service unless I cancel the other supplier. They informed me the would connect me to the other supplier and would stay on line monitoring our conversation. I was informed to cancel it would cost me XXXX. I was to get three XXXX cards with XXXX each. Ipurchased three cards at XXXX XXXX XXXXXXXX on XXXX XXXX XXXXXXXX XXXX. I did this and all of a sudden I realized that I been Scam. I mediately call XXXX and give them the details. They assigned a case number XXXX XXXX have not heard anymore from XXXX. I then reported this to the XXXX Police Department. I withdrew the XXXX from my bank account I reported this to T D Bank The scam does not brother my account except me with drawing the money. See Below : credit gift card XXXX XXXX XXXX I need all the assistance for all I can get for I am XXXX XXXX my telephone number is XXXX XXXX Thank you in advance

Company response to consumer: Closed with explanation