vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
Issue : American Express inconsistently applied SCRA protections to my business credit cards and is now attempting to revoke previously approved protections and charge annual fees. 
Company : American Express Product : Business Credit cards Problem : Charged fees I believe I do not owe / Improper reclassification of credit obligation Complaint Details I am an active-duty service member and have been a loyal American Express member for XXXX  years. Throughout this time, American Express has consistently applied SCRA protections to my personal and business credit card accounts. This included the approval of SCRA coverage and waived annual fee 's for my XXXX XXXX XXXX, which has been correctly applied for more than XXXX years. 
Recently, after adding a second Business Gold Card, I noticed American Express charged annual fees on both Business Gold Cards and informed me that these accounts are now being treated as commercial credit, and therefore not eligible for SCRA protections. 
American Express is also now threatening to remove XXXX protections from my previously approved XXXX XXXX XXXX, despite : -No change in my active-duty status -No change in my eligibility -No change in account usage -No change in my longstanding relationship with the company I reached out to American Express once I noticed both XXXX XXXX Cards were charged the annual fee. I notified them I was still XXXX XXXX and and requested both my Business Gold Cards be reviewed in order to fairly apply the same SCRA protections as my XXXX XXXX card. 

To be clear, I understand that SCRA generally covers consumer credit. My complaint is not about statutory interpretationit is about inconsistent and retroactive reclassification by American Express. 

For nearly XXXX decades as a member, and for years during my active-duty service, American Express has consistently classified my accounts in a way that made them eligible for SCRA fee waivers. This included business cards. Now, after issuing XXXX additional XXXX XXXX XXXX, American Express is changing its own determinations and attempting to revoke protections that were already granted. 

This inconsistency : -Alters previously approved SCRA determinations -Creates retroactive financial harm -Conflicts with years of established account treatment -Undermines reasonable reliance based on American Expresss own SCRA review decisions I have already attempted to resolve this directly with American Express, but the issue remains unresolved as they continue to review my request for the second time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because all three credit bureaus TransUnion, Equifax, and Experian are reporting inaccurate, incomplete, and inconsistent late payment information on several of my accounts despite my efforts to resolve these issues directly with the bureaus. I am not requesting correction of any account, only lawful correction of the payment histories under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ), which require fair, accurate, and fully updated reporting. My XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$15000.00}, is being reported with numerous XXXX, XXXX, and XXXX late entries across XXXX that do not reflect the true verified payment pattern of this active loan. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and closed with a XXXX balance, is inaccurately showing repeated late payments in XXXX, XXXX, and XXXX even though the account was satisfied and closed in good standing. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and also closed with a XXXX balance, is being reported with late entries for XXXX through XX/XX/XXXX that do not match the verified timeline of payments made before the loan was fully satisfied. Additionally, my XXXX account ending in XXXX, opened XX/XX/XXXX and closed on XX/XX/XXXX with a XXXX balance, shows late marks in XXXX and XX/XX/XXXX that are inaccurate and inconsistent with the documented payment history. These incorrect late entries across multiple bureaus are causing ongoing harm to my creditworthiness and do not comply with the FCRAs requirement for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because all three credit bureaus TransUnion, Equifax, and Experian are reporting inaccurate, incomplete, and inconsistent late payment information on several of my accounts despite my efforts to resolve these issues directly with the bureaus. I am not requesting correction of any account, only lawful correction of the payment histories under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ), which require fair, accurate, and fully updated reporting. My XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX with a balance of {$15000.00}, is being reported with numerous XXXX, XXXX, and XXXX late entries across XXXX that do not reflect the true verified payment pattern of this active loan. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and closed with a XXXX balance, is inaccurately showing repeated late payments in XXXX, XXXX, and XXXX even though the account was satisfied and closed in good standing. My XXXX XXXX account ending in XXXX, opened XX/XX/XXXX and also closed with a XXXX balance, is being reported with late entries for XXXX through XX/XX/XXXX that do not match the verified timeline of payments made before the loan was fully satisfied. Additionally, my XXXX account ending in XXXX, opened XX/XX/XXXX and closed on XX/XX/XXXX with a XXXX balance, shows late marks in XXXX and XX/XX/XXXX that are inaccurate and inconsistent with the documented payment history. These incorrect late entries across multiple bureaus are causing ongoing harm to my creditworthiness and do not comply with the FCRAs requirement for maximum possible accuracy.

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 2025-11-19 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: TX

Complaint narrative:
Good day, Please remove the following late payment from my credit report. Billing mistake. Never late on this payment. Autopay on my account ensured timely payments. Change to never late. I'm attaching all required documentation to this letter.

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 2025-11-19 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX  # XXXX XX/XX/XXXX - {$8900.00} XXXX # XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$10000.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$13000.00} XXXX # XXXX XX/XX/XXXX - {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX - {$780.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank ( USA ), N.A. 
Attn : Correspondence / Disputes Department Re : Formal Dispute & Notice of Ongoing Cease-and-Desist Violations To Whom It May Concern : This letter serves as a formal dispute of the alleged account you claim is owed, and a notice of violation of my previously issued Cease and Desist under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 805 ( c ), and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2. 

You were properly notified to cease all collection activity, including phone calls, letters, adverse reporting, and any form of harassment. Despite that notice, you have continued contacting me and/or reporting inaccurate or unverified information to consumer reporting agencies.

Your actions constitute : 1. Continued collection attempts after Cease & Desist FDCPA 805 ( c ) 2. Failure to validate the alleged debt FDCPA 809 ( b ) 3. Furnishing information known to be inaccurate FCRA 1681s-2 ( a ) ( 1 ) ( A ) 4. Failure to conduct a proper reinvestigation after dispute FCRA 1681i I hereby demand : 1. Full Validation of the Alleged Account Provide the following documents : Original signed contract or application bearing my wet-ink signature Complete payment history Chain of title / assignment of the debt Proof Capital One has the lawful right to collect Until such validation is provided, you must immediately cease all collection, reporting, or communication regarding this matter.

2. Cease All Reporting You must remove any and all negative or disputed information you have furnished to any credit bureau until the account is validated as required by law.

3. Acknowledge Cease & Desist Compliance You must provide written confirmation that all unlawful communications have stopped, and that you will comply going forward.

Failure to comply will result in : Filing complaints with the CFPB, FTC, PA Attorney General, and applicable banking regulators A civil claim seeking statutory damages under the FDCPA and FCRA Demand for compensation for all harms caused by unlawful reporting and harassment This letter is sent in good faith, with the intention to resolve all matters honorably and lawfully.

Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent.

I reserve all rights, remedies, and defenses without prejudice, UCC 1-308. 

Sincerely, XXXX : XXXX XXXX Representative, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was charged Cash Advance Fees on my credit cards for purchases made on XXXX through XXXX. These were normal purchases of goods/services, not cash advances. 

- Capital One : XXXX purchases through XXXX, {$5.00} fee per transaction, totaling {$25.00}. 
XXXX XXXX  XXXX XXXX : XXXX purchase through XXXX, {$3.00} fee ( ~5 % of the purchase ). 

I contacted both banks, but want CFPB to record this issue and request that all incorrectly charged Cash Advance Fees be refunded. Attached are screenshots from my bank statements and XXXX confirming these were normal purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
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 id-entity 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 XXXX 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 complete and accurate.

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 2025-11-19 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - DATE OPENED : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXXXXXX - DATE OPENED : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

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 id-entity 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 cond
uct 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 complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief