vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I am filing this complaint because American Express continues to report an inaccurate late payment on my credit report, despite my prior written dispute and supporting documentation showing the information is incorrect. 
On XX/XX/year>, I mailed a formal dispute letter to American Express requesting correction of the inaccurate information under my account number ending in XXXX. In that letter, I detailed that XXXX is reporting the account accurately as current and in good standing, while Experian and TransUnion are incorrectly reporting a XXXX late payment in XX/XX/year> and including misleading dispute remarks such as Account information disputed by consumer and Customer disputed account reported by subscriber. 
I have no record of any late payment, and XXXX accurate reporting confirms the account is current and positive. Therefore, XXXX continued furnishing of inconsistent and false information to XXXX XXXX XXXX constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires furnishers to provide information that is accurate, complete, and verifiable. 
Despite my written dispute and request for reinvestigation, AMEX has failed to correct or delete the inaccurate information. This continued reporting is damaging my creditworthiness, misrepresenting my payment history, and violating my rights under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: LendingUSA
State: GA

Complaint narrative:
I financed a pet purchase through LendingUSA for a dog from XXXX ( XXXX XXXX XXXX XXXXocation ) in XX/XX/XXXX. My XXXX  loan payment was made in XX/XX/XXXX, and I have consistently paid {$220.00} per month since that time. 

The dog, named XXXX, became sick soon after purchase, and XXXX initially provided treatment. However, between XXXX and XX/XX/XXXX, XXXX health declined severely, resulting in significant veterinary expenses. Sadly, XXXX passed away on XX/XX/XXXX. 

Following his passing, I contacted both XXXX and LendingUSA multiple times to request a fair resolution or refund. Both parties denied responsibility XXXX cited warranty limitations, and LendingUSA stated they could not assist because the merchant declined to approve a refund. Attached are the final communications I received from both parties. 

As of XX/XX/XXXX, I have continued to make payments on this loan despite losing my pet due to circumstances beyond my control. After extensive research, Ive discovered numerous consumer complaints regarding XXXX sales practices, including misleading information about the Puppy for a Lifetime program and pressure to finance through LendingUSA. 

At this point, I am seeking to bring this matter to a fair and final resolution. I respectfully request that LendingUSA and/or XXXX either settle the loan balance or close the account entirely so that I am no longer financially responsible for a pet I no longer have.

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 2025-11-07 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
Victim of XXXX XXXXXXXX XXXX ( XXXX XXXX. XXXX ) Violations : 15 U.S.C. 1681s-2 ( b ) & 15 U.S.C. 1681e ( b ) LEGAL NOTICE OF IMPROPER ACCOUNT REPORTING : LACK OF REQUIRED IDENTIFYING INFORMATION Helvey & Associates Inc. are unlawfully harassing me over a purported debt of {$600.00} ; allegedly owed. Helvey & Associates Inc. collection letters and calls supported only by a computer-generated statement printout, are rife with frivolous charges and flatly inconsistent with the validation and licensing requirements. 
In order to satisfy the consumer protection statutes at the federal and state level, Helvey & Associates Inc. Inc must furnish the following documents prior to its reporting of the account : XXXX. Original Purchase Agreement : A copy of the fully executed, original ( or certified copy ) purchase agreement that evidences the existence and terms of the original debt, including Plaintiffs signature or acknowledgment of the terms. 
XXXX. Notice of Sale : A copy of the notice of sale or other documentation evidencing the transfer or assignment of the alleged debt from the original creditor to Defendant, evidencing a complete and unbroken chain of title. 
XXXX. Additional Permissible Purpose Documentation : Any additional documentation that demonstrates the existence of a legally cognizable permissible purpose pursuant to 15 U.S.C. 1681b for reporting the alleged debt.

This complaint serves as notice of my intent to pursue binding arbitration and litigation against Helvey & Associates Inc. for violations of federal and state consumer protection laws stemming from your willful and negligent reporting of inaccurate information on my consumer credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I am submitting to formally dispute certain accounts on my credit report that I believe are being reported inaccurately and do not reflect the true state of my financial history. Upon reviewing my credit report, I noticed discrepancies with both a collection and charge off accounts that I request be thoroughly investigated. As a responsible consumer, I have always been diligent in managing my financial obligations, and I believe these inaccuracies need to be corrected to ensure that my credit report reflects the most accurate and up-to-date information. I kindly request that you conduct a thorough investigation into these matters, and should any of this information prove to be incorrect, I ask that you promptly update or remove these entries as required under the law. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00}

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 2025-11-07 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: AR

Complaint narrative:
This is a follow-up to a dispute filed under FCRA XXXX XXXX XXXX XXXX. XXXX ) regarding multiple inaccuracies on my credit report that continue to remain uncorrected. The discrepancies include inaccurate addresses, late-closed accounts, charge-offs, and collection accounts, which appear to have been reported erroneously, incompletely, or without proper verification. Specific items include addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$37000.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX a balance of {$1000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$790.00}, and XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}. Despite submitting prior dispute requests, these inaccuracies have not been addressed, and my credit report continues to reflect information that is misleading and detrimental to my creditworthiness.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This is a follow-up to a dispute filed under FCRA XXXX XXXX XXXX XXXX. XXXX ) regarding multiple inaccuracies on my credit report that continue to remain uncorrected. The discrepancies include inaccurate addresses, late-closed accounts, charge-offs, and collection accounts, which appear to have been reported erroneously, incompletely, or without proper verification. Specific items include addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$37000.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX a balance of {$1000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$790.00}, and XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}. Despite submitting prior dispute requests, these inaccuracies have not been addressed, and my credit report continues to reflect information that is misleading and detrimental to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
All my CitiBank credit cards are closed, all XXXX of them. 
They asked me to provide XXXX form, and I did. But they said the form I submitted didn't include an apartment number and they rejected it. Then all my accounts are closed. 
It's a terrible experience.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Initial context : On XX/XX/25, I used XXXX  XXXX to attempt to withdraw {$8900.00} in funds from their platform. In the moment, I sent the wrong stablecoin, XXXX, instead of their proprietary stablecoin, XXXX, to the XXXX XXXX  wallet they provided me. I provided them with the transaction ID for the transfer, my wallet address the funds were sent from, and the PayPal wallet address the funds were sent to and are currently located. I also provided XXXX  with multiple avenues to solve this issue easily on their end. They, despite me providing them every bit of information needed to see the transfer, the funds in their wallet controlled by XXXX, and being willing to prove that the wallet sending the funds was mine, they have refused to return my funds now 3 times. I am required to pay XXXX XXXX Tax on all of these funds and with them not returning such a large amount, I will be setback heavily on doing so. I've made this clear to the PayPal team as well, to no avail. Here is the transaction ID on the XXXX XXXX : XXXX Here is the PayPal owned wallet holding the {$8900.00} in funds : XXXX Since this complaint was submitted in XXXX and resubmitted in XXXX, PayPal Holdings, who run XXXX, have since implemented XXXX, the blockchain the XXXX is hosted on, to their platform They have access to release my funds and are continuously denying me them, I need these funds for tax purposes and can not take " no '' for an answer when they have clear access to release them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
XXXX XX/XX/year> I was contacted by a bank imposter for Wells Fargo. Number matched customer service on my card. I was informed of possible fraudulent activity with transfers of large sums of money between XXXX of my accounts along with a deposit of {$9900.00} into XXXX XXXX. I viewed my XXXX XXXX account at that time and saw the deposit of {$9900.00} into XXXX XXXX. I then checked my bank account and didn't see any of these transactions that were being mentioned to me. I returned to my XXXX XXXX and the funds were gone. without authentication from me and without my authorization. At that time the caller asked for information that the banks do not normally ask for so I hung up the phone and called my bank immediately. I informed them of the call and my card was turned off and my accounts were closed at their recommendation. A claim / dispute was opened that day. I notified XXXX XXXX  bank and was informed that since the transactions just happened and that my bank had opened a dispute there was no " need '' for XXXXXXXX XXXX to open XXXX until the transaction posted to my account. As of today, I am being told by both my financial institution and Green Dot that nothing can be done despite closing all the accounts and the funds were most likely not able to be posted due to the prompt actions. Now im being told there is nothing to do. I plan to report to police and FBI this fraudulent activity and at the recommendation of the Wells Fargo fraud division I even went through a lost /stolen account recovery process in person at the bank. This is not making me secure that any money in any financial institution is safe. I was prompt on this hoping issue.

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 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaint as a formal follow-up and final demand regarding several inaccurate and unlawful entries that continue to appear on my credit reports. Despite my prior disputes with the credit bureaus, these items have not been permanently removed, and their continued presence is causing significant harm to my creditworthiness. 
XXXX. Charged-Off Accounts The following accounts are reported as charged-off but are inaccurate, unverifiable, and misleading : XXXX XXXX XXXXXXXX Reported as charged-off with a {$0.00} balance XXXX XXXX XXXXXXXX XXXX XXXX  Reported as charged-off with a {$0.00} balance Reporting any account as charged-off while showing a XXXX balance is inherently inaccurate and misleading. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), credit bureaus are required to conduct a thorough, independent reinvestigation of disputed information. Further, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting data they know, or have reason to believe, is inaccurate. Because these accounts have no balance and no verified charge-off status, they must be permanently removed from my credit reports. 
XXXX XXXX XXXX XXXX XXXX  Reported as charged-off with a balance of {$2300.00} * * There is no evidence of an IRS Form 1099-C verifying cancellation of this debt. Reporting this account without proper documentation violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that all consumer data be maintained with maximum possible accuracy. Since the account can not be substantiated, it must also be permanently removed, not merely corrected. 
XXXX. Unauthorized Inquiries The following inquiries were made without my knowledge, consent, or authorization : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were made without any permissible purpose, in violation of : FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) Consumer reports may only be obtained for authorized purposes FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) Unlawful to obtain reports without a permissible purpose FCRA 619 ( 15 U.S.C. 1681q ) Prohibits obtaining a report under false pretenses FCRA 605B ( 15 U.S.C. 1681c-2 ) Grants the consumer the right to block and remove information resulting from unauthorized or fraudulent use Because these inquiries were made without authorization or permissible purpose, they are unlawful and must be immediately and permanently deleted from all credit bureau files , internal systems, and any shared databases.

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 2025-11-07 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: LEXISNEXIS
State: TX

Complaint narrative:
am the victim of identity theft and a confirmed victim of the Equifax 2017 Data Breach, which exposed the personal identifying information of over XXXX XXXX consumers. My data was compromised in that breach, and as a result, fraudulent accounts were opened and reported in my name without my knowledge or consent. I have already provided the credit bureaus with my Sworn Identity Theft Affidavit, FCRA 605B Deletion Request Letters, and proof of identity and residence. Despite this, several fraudulent accounts remain on my credit reports in violation of FCRA 605B, which requires credit bureaus to block and delete such information within 4 business days after receiving valid identity-theft documentation. The fraudulent accounts are as follows : 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 Because XXXX 2017 data breach compromised my personal data, I hold them directly responsible for the negligent exposure that likely facilitated this identity theft. Equifax therefore has a heightened legal duty to ensure accuracy, protect consumer data, and immediately delete all fraudulent accounts associated with my name. The continued reporting of these fraudulent accounts also violates : Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ) Truth in Lending Act ( TILA / Tiller Act, 15 U.S.C. 1601 et seq. ) Fair Credit Billing Act ( FCBA / Gilbert Act, 15 U.S.C. 1666 et seq. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I owned XXXX XXXX XXXX, a now-closed box truck company. A driver fraudulently opened an AMEX card in the business name without my permission. My ex-wife, then account manager, paid balances for months using business funds, unaware of the fraud. The card was being used to fuel our trucks until I discovered it, closed the card and the business. AMEX refuses help, claiming the business benefited. I seek removal of the account from my personal credit and any liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unauthorized collection accounts being reported on my credit reports by several credit reporting agencies, which are negatively impacting my credit standing. The following accounts are in dispute : XXXX XXXX XXXX reporting a balance of {$850.00}. This account was never authorized by me and shows inconsistent information between Equifax and TransUnion. 

XXXX XXXX XXXX MO {$2000.00} collection. I do not recognize or owe this debt. 

LMMINC - another {$2000.00} account reflecting duplicate or conflicting information with the XXXX XXXX account. 

XXXX {$4700.00}. I have no record or agreement associated with this account. It is reporting a balance that appears fraudulent and unverifiable. 

XXXX Bank XXXX XXXX late payments, 120 days past due. Even though the account has a {$0.00} balance and was canceled by the credit grantor. This information is incorrect and does not accurately reflect the account 's true status. 

These companies have failed to provide any proof of ownership, signed agreements, or original documentation validating these debts. I have already disputed these items directly with the credit bureaus ( Equifax and TransUnion ), but they continue to verify the accounts without conducting a proper investigation or obtaining evidence from the XXXX. 

I am requesting the XXXX XXXX XXXX XXXX assistance to compel these companies and the reporting bureaus to conduct a lawful investigation, provide full documentation verifying these debts, or immediately remove the inaccurate and unverifiable information from all my credit files as required under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am seeking a fair resolution that includes the complete deletion of any unverifiable or unauthorized accounts from my credit reports, along with written confirmation from each bureau and company that the matter has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I didn't give this company consent to share, publish or have my information. I didnt sign any contract to do business with this company. This has damaged all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed there was inquiries on my credt report that do not belongg to me.

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