vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I booked a hotel through Amex Fine Hotels & Resorts for {$420.00} and received their annual {$200.00} Hotel Credit for booking my stay. I checked in on XX/XX/XXXX using my American Express Platinum card and checked out on XX/XX/XXXX which fulfilled all the terms & conditions for the {$200.00} annual credit for XXXX. ( XXXX XXXX XXXXXXXXXXXX XXXX  On XX/XX/XXXX, I booked a hotel through Amex Fine Hotels & Resorts for {$4100.00} and received the annual {$200.00} credit for booking my stay. Due to an issue with my booking, the room type being inaccurate on the site, and American Express unable to verify, I cancelled my stay on XX/XX/XXXX and had the {$4100.00} charge reversed. As a goodwill gesture due to the issue, American Express provided me with a credit of {$500.00}. In addition to the {$500.00}, American Express reversed the {$200.00} credit from XXXX since I had to cancel my stay. On top of {$200.00} credit from XXXX, they also reversed my {$200.00} credit from the XXXX Amex Fine Hotels & Resort booking since according to their agent ( after multiple chats and phone calls ) the credit was more than my {$420.00} and was no longer eligible for the {$200.00} credit for XXXX. 

I asked the agent if she could provide the details in writing since the reversals were confusing, difficult to understand, and I fulfilled of the terms and conditions XXXX XXXX XXXX XXXX XXXX of the {$200.00} credit in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-11 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:
This serves as my official dispute of the referenced accounts. I did not authorize them, and they are fraudulent. I request an immediate investigation and removal. Supporting materials are attached.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: SC

Complaint narrative:
I have emailed to Self Inc that I don't owe this {$100.00}. They put a tradeline in the amount of {$200.00} secured credit card that I don't have. My credit report reflect that this alleged account was closed as of XX/XX/year>, but I get emails almost daily about amount due. I received over 67 emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

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.

Account name : XXXX XXXX account number : # XXXX violated my rights. 

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 an 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 2025-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> after receiving fraud alert on my phone regarding my Citi bank Costco card, I called them. I noticed charges on my card and my wifes card ( her card is under my account ) and reported them as fraudulent. All the fraudulent charges were made on XX/XX/XXXX and XXXX. 

The cards were in our position and they were not lost, so no police report was made. After their investigation was done Citi bank removed all charges from my card and not my wifes card. My wife never uses her credit card, and had not have any charges for over a year till the fraudulent charges were made for a total of {$580.00}. 

Citi bank claimed that the chip was used on her card, and since we told them that the cards were in our position, therefore they claim she was the user. I offered to sign affidavits and have them notarized that we did not use the cards and that they were fraudulent. 

Both of our credit reports are locked with XXXX, so if there is any data breach it wasnt on our side. Citi bank had consumer data breach in XX/XX/year>. Its also possible that the scammer ( s ) used shimming or possibly used data replication to create a cloned card with magnetic stripe. 

The card in question is under my name XXXX XXXX and last four digits are XXXXMy wifes card is under my account with her name on it ( XXXX XXXX ). 
Any help with this issue is greatly appreciated.

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 monetary relief
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. 
Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. I have attached a copy of the items claimed to be verified, along with my previous FTC report.

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I took it this loan as they advertised it would help improve your credit. I had no idea I would be paying backing approximately {$3000.00} on a {$3100.00} loan. I have paid off about {$2500.00} but still owe in excess of {$3200.00} with fees being added daily/ monthly. I was given the understanding that this installment loan was around 35 % interest, but not aware it was being charged a lot higher than a typical credit card company. 

This is a predatory loan company with such high interest, fees and additional charges. They are unwillingly to be reasonable in lowering the pay off amount or in any way negotiating the principal balance. I am using a debt management company for my other bills, but XXXX XXXX will only extend the payment, not lower the principal. I am on social security and dont want a payment forever, without paying off the loan. 

No statements have ever been sent to me with the balance reflecting monthly or quarterly charges, I have requested this from the company. I would like full transparency on all the charges they have assessed to my account. 

This company should not advertise that they are helping people improve their credit. Rather it is a way to put them in deeper debt, like a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
The only documentation provided was a generic lease form and a final account statement dated XX/XX/2023. Neither constitutes the original signed lease agreement or proper verification of the alleged debt. This makes the reporting unverified, inaccurate, and misleading. 
The only documentation provided was a generic lease form and a final account statement dated XX/XX/2023. Neither constitutes the original signed lease agreement or proper verification of the alleged debt. This makes the reporting unverified, inaccurate, and misleading. 
Applicable FCRA Sections Violated - FCRA 611 [ 15 U.S.C. 1681i ] Reinvestigation of disputed information.

- FCRA 604 [ 15 U.S.C. 1681b ] Permissible purposes for furnishing consumer reports.

- FCRA 605 ( c ) [ 15 U.S.C. 1681c ( c ) ] Running of the reporting period.

- FCRA 623 [ 15 U.S.C. 1681s-2 ] Duties of furnishers to provide accurate and verified information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
XX/XX/year> - Called XXXX XXXX XXXX  about closing my checking and savings account. Was advised to move money out of my accounts before closing. 

Between this time and XX/XX/XXXX, new bank accounts were created, all auto-debits were updated to point to the new accounts. 

XX/XX/year> - XXXX XXXX and advised that the account needs to be closed after I had moved the money to new bank accounts. 

I signed the docusign paperwork sent over. I verified all payments were coming out of the new account as expected. 

XX/XX/year> - Wife advises that XXXX XXXX has mailed her documents saying our accounts are overdrafted. 

XX/XX/year> - XXXX XXXX informed me my balance on my accounts was over - {$1000.00} after calling due to autopayments against the account that I already requested to be closed. Refused to refund the charges. Refused to place a hold on the account to prevent further overdrafts. Advised that there is no way to place a hold on an account. After over an hour call, advised I contact the companies that withdrew money from the accounts to fix the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-11 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting a complaint regarding my Westlake Financial Services auto loan Account number XXXX, which is reported as a charge-off on my credit report. I sent a goodwill deletion request to Westlake on XX/XX/year>, requesting that the settled charge-off be removed from my credit report. 

Despite my letter and the fact that the account was paid in settlement, Westlake has not responded. The account continues to appear on my credit report, negatively impacting my credit profile and ability to access credit and housing. 

I am requesting that Westlake Financial Services be required to respond and that this account be investigated and deleted from my credit report as a gesture of goodwill, given that it was fully settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX summer of XXXX  no flood insurance required, not in a flood zone. Mortgage was transfer to Pennymac, and they filed a doc saying flood insurance was required. We disputed and have been submitting the required proof since XXXX of XXXX. We call and submit the paperwork every month, and each time we are told it will be reviewed and they will refund it and reach out with a resolution and they never do. You aren't allowed to have copies of your complaints, you cant contact the research department. You call and go through the same issue every month. They have forced fraudulent and grossly overpriced insurance on our mortgage despite not being in a flood zone, as per builder, FEMA and several flood risk assessments.

Company response to consumer: Closed with explanation