vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding unauthorized use of my American Express National Bank credit card. Multiple charges were made on my account by an unauthorized user. I did not attempt these transactions, and they were made without my consent. 

Known unauthorized charges : XX/XX/year> : {$5000.00} to XXXX XXXX XX/XX/year> : {$900.00} to XXXX XXXX XX/XX/year> : {$5000.00} to XXXX XXXX Other unauthorized charges occurred between XX/XX/year> and approximately XX/XX/year>, though I do not have all dates or amounts. 

I previously submitted a complaint regarding this issue ; however, it was submitted inaccurately and did not reflect the nature of the unauthorized use. 

I contacted AMEX multiple times requesting : All unauthorized users be blocked Refunds/reversals for unauthorized charges Full account review Written confirmation that the account is secured Despite this, charges continued and I have not received confirmation that my account was secured. I am requesting a full refund for all unauthorized charges and written confirmation that my account is secured against future unauthorized use. 

Supporting statement is attached. Additional records ( e.g., call logs ) will be provided when obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I made my purchase on XX/XX/XXXX, where 10 % rewards were being offered. I received 5 % rewards then went through the myriad of customer service at Synchrony getting no help at all. I followed all of the parameters to qualify for the 10 % rewards, making the purchase on XX/XX/XXXX, well before the XX/XX/XXXX expiration date. I provided Synchrony a copy of the XXXX XXXX ad, showing this was valid, along with a copy of my receipt for the purchase of {$4800.00} with the transaction date of XX/XX/XXXX. This type of behavior defines UDAAP - Unfair and Deceptive. As a financial professional, I am shocked this is allowed. 


This is the letter I sent to the President of Synchrony XXXX Hi XXXX, I received a letter from XXXX XXXX, Senior XXXX, Corporate Consumer Relations yesterday, dated XX/XX/XXXX. It stated because the " XXXX XXXX XXXX XXXX provides a 10 % rewards when a purchase of {$490.00} or more is made through XX/XX/XXXX. Unfortunately you made a purchase on XX/XX/XXXX, and the reward requirement was not met within the eligible timeframe. Enclosed please find a copy of the letter we sent on XX/XX/XXXX. 

No where does it show that I made a purchase on XX/XX/XXXX. 

I find it hard to believe that Synchrony has doubled down on this, saying that my purchase was not eligible. It cant be any more clear that my purchase was made on XX/XX/XXXX. This shows the purchase amount, the date, and my name. 

At this point, I am curious as to how many other Guitar Center/Synchrony clients were bamboozled like you are trying to do to me. 

Best regards, 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 2025-10-09 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-09 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-10-09 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: EQUIFAX, INC.
State: OR

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My sons dad put money into the account in lieu of a child support payment as he does bi weekly into my sons account but this time his dad did it for him because it was mid week. And I see this morning that it has been taken I called navy federal took advise that it is for child support of my special needs child and XXXX refused and told me it was not from the OAG  but my child support has rarely ever been sent through them I get direct payments and send the form to the OAG for calculation of the payments. The money was for my son braces payment this week and now I will not be able to. I do not use the navy federal for anything other than child support and I explained that to them and they are refusing to transfer it back when according to state and federal law child support can not be included ima garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I HAVE DISPUTED AN OLD XXXX XXXX  ACCOUNT THAT WAS CHARGED OFF XX/XX/XXXX. I CONFIRMED THIS WITH XXXX XXXX  AND ATTACHED THE EMAIL FROM XXXX THAT THE ACCOUNT WAS IN FACT CHARGED OFF XX/XX/XXXX. THE NOTICE THEY SENT WAS EARLY XXXX BUT THE ACCOUNT FORMALLY CHARGED OFF IN XX/XX/XXXX. MY REPORT SHOWS SEVERAL MONTHS OF NO DATA AND THEN A CHARGE OFF XX/XX/XXXX. THIS IS INCORRECT. I HAVE DISPUTED THIS XXXX TIMES NOW AND THE INFORMATION COMES BACK " VERFIED. '' IT IS IMPOSSIBLE THAT THE CREDIT BUREAU CONDUCTED ANY INVESTIGATION INTO THIS. XXXX  THEMSELVES TOLD ME VERBALLY AND BY EMAIL THAT THE CORRECT DATE IS XX/XX/XXXX ; NOT XX/XX/XXXX. 

I HAVE ATTACHED THE EMAIL PROVING THIS FACT. THE CREDIT BUREAU IS CONDUCTING SHAM INVESTIGATIONS. THIS IS BLACK AND WHITE AND THEY REFUSE TO DO WHAT THEY ARE REQUIRED TO DO BY THE FCRA. THIS ACCOUNT SHOULD BE DELETED AS IT HAS ADVERSELY AFFECTED MY CREDIT FOR XXXX YEARS NOW AND IS WRONG INFORMATION!

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 2025-10-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Business Processing Solutions, LLC
State: NJ

Complaint narrative:
Re : Dispute and Complaint Regarding Pioneer Credit Recovery State Tax Debt and Unclear Balance Dear CFPB Representative, I am writing to file a formal complaint regarding Pioneer Credit Recovery , Inc. and their handling of an alleged state tax debt account associated with my name. According to Pioneer Credit Recovery, I owe a substantial amountover $ XXXXplus an additional 11 % interest rate. 

I have repeatedly contacted the company to request a full accounting of what I actually owe, including any payments already made and how my federal tax refunds were applied toward this debt. However, Pioneer Credit Recovery has provided no clear record or statement verifying the outstanding balance or interest calculations.

Despite my efforts to resolve the matter and establish a payment plan, no plan was offered. Meanwhile, my federal tax refunds have been offset and applied toward this debt, yet the company can not show where those payments were credited.

My primary concerns are : 1. The accuracy and legitimacy of the claimed debt balance, 2. The high interest rate of 11 %, which I believe to be excessive or improperly applied, and 3. The lack of transparency and documentation from Pioneer Credit Recovery despite multiple attempts to resolve the matter in good faith.

I respectfully request the CFPB to investigate this issue and require Pioneer Credit Recovery to provide : - A complete account history and itemized breakdown of the alleged debt, - Documentation of all payments and offsets received, and - Justification for the 11 % interest rate being charged.

I have attached copies of correspondence and payment offset notices where available.

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this dispute.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am submitting this letter as a formal dispute regarding inaccurate and unverifiable information on my XXXX  credit report concerning the above-referenced Wells Fargo Auto account XXXX 

Your records indicate 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, yet the same file lists the account as paid and closed in XX/XX/XXXX. Reporting a delinquency after account closure is inconsistent with the Consumer Data Industry Association ( CDIA ) Metro 2 guidelines and violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

Applicable Federal Violations : 15 U.S.C. 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The dual reporting of a closed, paid account as delinquent fails this standard.

15 U.S.C. 1681i ( a ) Upon notice of dispute, the CRA must reinvestigate and delete unverifiable information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers ( in this case, Wells Fargo ) are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Outdated or misleading adverse data that no longer reflects current consumer creditworthiness must not be included in a consumer report. 

12 C.F.R. 1022.43 ( a ) Under CFPB Regulation V, furnishers must ensure reported data is both complete and accurate ; partial or contradictory status entries violate this obligation. 

Given these conflicts, the alleged delinquencies are both inaccurate and unverifiable. Unless XXXX  can obtain original creditor documentation, including account statements or signed payment records proving these specific 30-day late designations, federal law requires immediate deletion of this information.

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 2025-10-09 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-09 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: Harris & Harris, Ltd.
State: MS

Complaint narrative:
I am Unaware of this debt I didnt have an opportunity or option to address/dispute the debt please provide the certify receipt stating I was aware of this debt with my signature saying that I received notice of this if not delete this immediately because it is a violation of my fcra consumer rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
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 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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding debt collection actions by XXXX XXXX XXXX ( XXXX XXXX ) on behalf of American Express National Bank. These actions relate to unauthorized charges on my AMEX account, which I did not authorize.

I also submitted a complaint against American Express National Bank.

I have attempted to resolve this directly with AMEX, requesting : Removal of unauthorized users Refunds/reversals for all unauthorized charges Full account review Written confirmation that my account is secured Despite this, collection efforts have continued. 

Resolution Requested : Cease collection actions until the dispute is resolved Full refund for all unauthorized charges Written confirmation from AMEX and/or XXXX XXXX XXXX acknowledging the dispute and account security Reversal of any fees or interest applied due to these charges Attachment : AMEX statement showing unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
my auto loan with CAPITAL ONE AUTO FINANCE is XXXX was paid off on XX/XX/XXXX. I renewed the registration on XX/XX/XXXX on this XXXX XXXX. Capital one sent the release of liens to XXXX  XXXX on XX/XX/XXXX and said that it was transferred on XX/XX/XXXX XXXX i went to the XXXX XXXXXXXX XXXX XX/XX/XXXX, and was told that it was still in Captial ones name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-09 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: CA

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