vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: CA

Complaint narrative:
I am writing to update my existing complaint regarding XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) and American Express, concerning a {$46000.00} charge made in XX/XX/XXXX. 

Since my initial filing, I have discovered new evidence that demonstrates clear fraud and forgery committed by XXXX and a lack of proper investigation by American Express. 

XXXX. Forged Contract Pages XXXX submitted documents to American Express that contain forged initials and altered pages that neither I nor my wife signed. These pages were never part of the original contract presented to us. My authentic initials differ clearly in shape and placement from those XXXX sent to Amex. This appears to be a deliberate attempt to fabricate consent and obstruct cancellation. 

XXXX. Fabricated Email Correspondence XXXX  also provided American Express with email communications that were never received at my email address. Some of these emails even include a misspelled version of my address, which proves they were created after the fact. I verified with my email provider that these messages were never sent or received. 

XXXX. Amex Mishandling and Failure to Investigate Despite these red flags, American Express closed the dispute in favor of XXXX, citing services rendered even though : XXXX own communication admits I never used any of their benefits. 
I paid separately for my own travel and hotel accommodations. 
I contacted Amex within 6 days of the purchase to cancel, well within XXXX  own stated 7-day policy. 

This demonstrates a failure by Amex to conduct a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ).

4. Pattern of Fraud Public records and online complaints show XXXX XXXX XXXX and related entities have a pattern of deceptive sales practices, forgery, and refusal to honor cancellation requests. I also found that the company falsely claims decades of experience but was only incorporated in XX/XX/XXXX in the XXXX. 

5. Requested Action I respectfully request that the CFPB : 1. Reopen or escalate this case in light of new evidence.

2. Require American Express to re-examine the dispute based on forged and fabricated documents. 
3. Investigate XXXX XXXX XXXX for systematic fraud against U.S. consumers. 
4. Coordinate with the FTC or State Attorneys General regarding LLVCs deceptive practices.

I can provide the forged documents, email evidence, and certified mail records upon request. 
This situation has caused severe financial and emotional distress to me and my family, and I appreciate your urgent attention to these new developments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
I am submitting a complaint against United Auto Credit Corporation for furnishing inaccurate and potentially unlawful information to the credit bureaus during an active dispute. 

I purchased my vehicle through Vroom, which is now out of business, and United Auto Credit was the financing company. I recently disputed this account directly with United Auto Credit because I question the validity and ownership of the loan after Vrooms closure. Instead of responding appropriately, they began reporting me as 30 days past due and adding new negative information to my credit file.

I believe this violates the Fair Credit Reporting Act ( FCRA ) 623 ( b ), which requires furnishers to investigate disputed information and report accounts as in dispute rather than continuing derogatory reporting. I am requesting a full investigation and correction or deletion of this account from my credit reports until proper validation is provided. 

I feel I am being treated unfairly and retaliated against for exercising my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: NV

Complaint narrative:
the Collection agency never contact me or send any letter about this collection. Under debt collection, the collection agency need to send me the letter to validate the debt collection. Im requesting all information about this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: GA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX XXXX for furnishing inaccurate and potentially unlawful information to the credit bureaus during an active dispute. 

I purchased my vehicle through XXXX, which is now out of business, and XXXX XXXX XXXX was the financing company. I recently disputed this account directly with XXXX XXXX XXXX because I question the validity and ownership of the loan after XXXX closure. Instead of responding appropriately, they began reporting me as 30 days past due and adding new negative information to my credit file. 

I believe this violates the Fair Credit Reporting Act ( FCRA ) 623 ( b ), which requires furnishers to investigate disputed information and report accounts as in dispute rather than continuing derogatory reporting. I am requesting a full investigation and correction or deletion of this account from my credit reports until proper validation is provided. 

I feel I am being treated unfairly and retaliated against for exercising my consumer rights.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX XXXX for furnishing inaccurate and potentially unlawful information to the credit bureaus during an active dispute. 

I purchased my vehicle through XXXX, which is now out of business, and XXXX XXXX XXXX was the financing company. I recently disputed this account directly with XXXX XXXX XXXX because I question the validity and ownership of the loan after XXXX closure. Instead of responding appropriately, they began reporting me as 30 days past due and adding new negative information to my credit file. 

I believe this violates the Fair Credit Reporting Act ( FCRA ) 623 ( b ), which requires furnishers to investigate disputed information and report accounts as in dispute rather than continuing derogatory reporting. I am requesting a full investigation and correction or deletion of this account from my credit reports until proper validation is provided. 

I feel I am being treated unfairly and retaliated against for exercising my consumer rights.

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 2025-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Please help me i did not authorized these transactions pay pal has been contacted by I several different times I haven't received any refunds personally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: IL

Complaint narrative:
Because I lost my job in XXXX XXXX 2019, I can't pay last two month of my apartment rent contract, {$1500.00} per month, {$3000.00} aprox total. 
Now I receive from a collection company a letter asking to pay {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion has willfully violated the Fair Credit Reporting Act ( FCRA ) by refusing to block fraudulent information from my credit file, despite receiving a valid identity theft report and all required supporting documentation under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I am the verified victim of identity theft. I submitted a complete fraud block request with a police report, proof of identity, and detailed documentation identifying specific fraudulent accounts. Rather than complying with federal law, TransUnion issued a boilerplate denial ( File # XXXX ), falsely claiming that the accounts reflected a history of payments or were opened before the reported date of fraud. That response is factually incorrect, unsupported by evidence, and legally indefensible.

TransUnions refusal to block these accounts has caused ongoing harm, including continued reporting of false debt, damage to my credit standing, and emotional XXXX. The FCRA does not grant TransUnion discretion to ignore an identity theft report simply because the furnisher provided unverifiable or outdated information. Once a valid report is provided, TransUnion must block the fraudulent data its failure to do so constitutes willful noncompliance.

I demand that the CFPB investigate TransUnions misconduct, compel immediate removal and blocking of all fraudulent tradelines, require production of TransUnions internal dispute notes, and hold the company accountable for violating the FCRA. I further request that CFPB forward this complaint to all involved furnishers and ensure that they cease reporting these fraudulent accounts.

TransUnions conduct shows reckless disregard for consumer rights and for the statutory protections Congress established to protect identity theft victims. I seek immediate corrective action, written confirmation of the block, and appropriate penalties against TransUnion for this unlawful and harmful behavior.

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 2025-10-19 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I am filing this complaint against MEI Group , Inc. / XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ) for providing false and misleading information about federal credit reporting law and refusing to correct a tradeline. 

On XX/XX/XXXX, I sent a good faith request for MEI Group to remove or verify an old tradeline associated with my account that was included in a XXXX  XXXX bankruptcy. The Date of First Delinquency ( DOFD ) on this account was in XXXX, which means under the Fair Credit Reporting Act ( FCRA ), 605 ( a ) ( 4 ), the account can be reported for no more than seven years from the DOFD. 

MEI Group responded on XX/XX/XXXX, with a letter incorrectly citing 605 ( a ) ( 1 ) of the FCRA ( the 10-year rule that applies only to bankruptcy public records, not to individual credit tradelines ). Their letter falsely claims they are required by federal law to continue reporting the account for up to 10 years. 

This statement misrepresents federal law and appears to justify continuing to report the tradeline beyond the seven-year limit. This is misleading, inaccurate, and constitutes potential negligent or willful noncompliance under 15

U.S.C. 1681n1681o of the FCRA. I believe MEI Group has violated the FCRA ( 15 U.S.C. 1681 et seq. ), by misreporting or threatening to continue reporting a tradeline beyond the lawful 7-year period ( pursuant to 605 ( a ) ( 4 ) ), and by making false legal representations, which may amount to negligent or willful noncompliance ( under 616/617 ).

I request that MEI Group be directed to : Verify the Date of First Delinquency for this account, Remove or correct the tradeline to comply with 605 ( a ) ( 4 ), and Cease misrepresenting FCRA reporting requirements in communications with consumers.

I am attaching a copy of the letter I received from MEI Group as evidence.

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 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I was offered a loan by Prosper XXXX. I was told that their company would cover any fees with processing the loan. They deposited checks in my bank account totalling {$560.00} and requested that the funds be sent back to them. I did as I was told. Later my bank informed me that the checks were fictitious and I old them {$560.00}. I told them what had happened and ask that they cover the fees. But I was told the only way the would cover the fees is if I purchased check paper and accepted their loan offer.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-19 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
Ive tried multiple times to pay this debt since XX/XX/year> due to my car being totaled. They have never sent out any communications whatsoever, Ive called multiple times they can never find my account from XXXX till now. They say the debt is gone and can no longer be collected since XX/XX/year> my account was closed right after I reported the crash they closed my account and once determined totaled they removed the debt and since the account was closed, I couldnt make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Mortgage fraud identity theft Defraud Definition of character. This is what citifinancial did to me. Used my name on a loan and used my father 's social security number on the loan and printed a name on loans paperwork and change names on the Credit reports. Lied about this from 2003- till now. I asked them to give me my information since they said it was me and my mother names was on the deed. To show me my information. There answer was get a lawyer, but I talk to one and they said I can request my information. What are they hiding that they refused to give me my information? I know the truth. If I don't get my information, I'll be Issuing a criminal investigation on citifinancial Are citiholdings group.I have all the fraud that they did, as well as XXXX, XXXX  and XXXX XXXX XXXX. I have it all. All must show me my account details as well my information. I request and I demand it. That's the law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Cavalry SPV I , LLC sued me in XXXX for an old credit card debt that was already past the Massachusetts statute of limitations. The last successful payment on the account was in XX/XX/XXXX, and all later transactions were failed drafts from a closed bank account. Despite having proof of this and submitting it in court, theyre still pursuing the case. I requested verification of the debt and payment history, but their attorney never provided it. It feels deceptive and unfair to be sued on a time-barred debt, especially when they ignore documentation showing the account was inactive for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I disputed the collection more than once. The credit bureau verified it with the wrong address I dont live at. The address was XXXX XXXX XXXX XXXX XXXX XXXX I never live in XXXX XXXX. I only occupied XXXX XXXXXXXX. I receive mail frequently and phone calls from this company.. I explain to the caller that it doesnt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I borrowed {$2000.00} from Willow Lake Lending, which claims to operate under tribal law. The contract shows a 466.69 % APR with {$11000.00} total repayment. They are not licensed in Florida and continue to charge excessive interest despite on-time payments. 
I checked on my payments due until paid off and noticed I owed {$180.00} every week until XX/XX/XXXX. T

he interest rate APR is 466.69 %, which is illegal under Florida lending laws let alone they are not licensed under Florida. I took out the loan XX/XX/XXXX I purchased my car XX/XX/XXXX I have been making the weekly payments on time of {$180.00} since XX/XX/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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year> deposit in a branch/store {$2300.00} ending daily balance {$2200.00} an I got copies of all transactions when did cash get it didn't go they close my account said I was committing fraud when I proved I wasn't and I never have received the fun then on some more paperwork I got it says loss prevention closing entry XX/XX/year> it said deposit made XX/XX/year> the it says closed account impacted : ending in XXXX ; XXXX then I did everything they asked of me to prove I wasn't committing fraud and I did that I jumped every hurdle they gave me and then they said they don't know what else to tell me that they can't help me and I never have received that funds can you please help me be receive the funds that was stolen from me I have all the paperwork to prove my case they try to tell me they didn't cash it and they send it back to the insurance company which was not true cuz I got proof for they cashed it but I got I can send copies of all the paperwork proving this hopefully y'all can help resolve this issue thank you

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 2025-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Account XXXX XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature, if not please delete the account as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation