vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: NM

Complaint narrative:
As an American Express customer, I booked a hotel through XXXX, a service Amex heavily promotes and integrates with. I trusted this platform due to its association with Amex. 

While trying to inquire about my booking through the XXXX app, I was connected to their AI chatbot. Without clearly indicating the consequences of the interaction, the bot canceled my reservation without my request or confirmation and without any human involvement. 

Following this, I was charged a $ XXXX cancellation fee, with XXXX claiming it was imposed by the hotel. However, after speaking directly with the hotel, I was informed that they did not charge any cancellation fee meaning XXXX ( and by extension, XXXX XXXX ) fabricated this fee and falsely attributed it to the property. 

This incident : 1. Resulted in the loss of my confirmed reservation, 2. Forced me to reorganize my travel plans at the last minute and at additional cost, 3. And led to a false charge under deceptive pretenses. 

American Express, by promoting and integrating with XXXX, is not simply a passive bystander they are actively encouraging customers to use a platform that engages in misleading and potentially fraudulent practices. The Amex brand implies safety, integrity, and customer protection. In this case, it led me into a system where none of those values were upheld.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Northstar Location Services, LLC
State: MS

Complaint narrative:
XXXX I requested that the late fees and interest CEASE and be rectified via me credit file. The data quoted is not exactly accurate. When I started the program, I was told that NO LATE FEES or interest would accrue, and that I could just work through the program to pay down my balance. Had I known they would illegally report late fees and interest, I would not have closed my account. I closed it to avoid further fees and charges. The response provides a partial credit, but fails to resolve my initial complaint as outlined in the FRCA regarding reporting late fees and interest on a closed credit account. This has ruined my credit rating and I would respectfully like this properly resolved. XXXX responded to both me and the CFPB via email, stating that they would issue a credit to my account and allow me to continue under a payment program. However, the company failed to apply any credits as promised, did not reduce the interest as indicated, and instead proceeded to charge off my account shortly afterwardwithout warning. This was a clear contradiction of their prior commitments and has resulted in substantial and unjust damage to my credit profile. This situation has not only caused financial harm but also emotional XXXX  due to the dishonesty and lack of transparency shown by the company. I respectfully request that the CFPB investigate this matter, require XXXX to correct all inaccurate credit reporting, remove any improperly assessed fees, and ensure compliance with all applicable consumer protection laws.The XXXX of XXXX, XXXX, responded to my concerns via email and acknowledged that she was not aware my account had been charged off while still under investigation. She stated that the charge-off could not be substantiated and indicated that late and other associated fees would be reviewed. While some fees were reversed, the charge-off itself and the subsequent placement of my account with a collection agency appear to be clear violations. This situation has caused significant harm to both my mental well-being and credit standing. If this matter is not fully resolved, I intend to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: I.C. System, Inc.
State: WI

Complaint narrative:
I sent out letter to the credit bureaus dispute debt that doesn't belong to me and debt amounts not being accurate. I requested it to be removed and proof to be provided that shows that debts belongs to me. I never received a response and its been over a year.

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 2025-06-06 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  I recieve a Text message from XXXX'Chase Security : Did you attempt a purchase of XXXX  at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPLY YES/NO/HELPXXXX XXXX XXXX then sends the following:\n\nThank you for confirming. No further action is required. A specialist will reach out to you soon via phone call.\n\nMinutes Later, I received a phone call from XXXXnThe person impersonates a chase fraud specialist. Asks me about fake purchases, and recited my checking and savings balances. He was aware that I had XXXX in my checking. He then transfers the line to a XXXX Fraud Specialist\'.\nThe call log coincides with the XXXX  transfer of XXXX to recipient XXXX XXXX" with the phone number registered as: XXXX XXXX XXXX.\n\nImmediately, I saw the money dissappear from checking. Scammer hung up. I panicked and called Chase Bank, begging them to stop the pending charge. They reassured me that a temporary credit of the amount would be back in my account by 1-5 business days.\nThe following day I followed up by calling. They inform me that the claim was denied, because the payment was \'authorized\'. \nI submitted screen shots and call log, coinciding with the time of the transaction. \nIt took persistent phone calls, to ask them to do a \'reassurtion\', and take another look.\nThey denied, stalled, and it was pulling teeth to ask them to look at my supporting documents. I persisted, speaking to supervisors, being told there was nothing they can do..\nFinally, I filed for reassurtion on XXXX XXXX XXXX, and it went through.\nCalled and inquired on XXXX and was informed that they contacted both XXXX, and the bank registered to the recipient. Both the bank, and XXXX, declined re-issuing the funds to Chase Bank. \nI contacted local law enforcement and filed a report. \nSubmitted complaint to Attorney Generals office. \nHave claim number, police report number, as well as Att. General form available if needed.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NY

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 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 2025-06-06 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:
Subject : Request for Deletion of Sold Collection Account FCRA & FDCPA Dispute Account Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Amount : {$4500.00} To Whom It May Concern, I am writing to dispute the accuracy and validity of the above-referenced collection account currently listed on my Equifax credit report. According to my records, this account was sold to a third-party debt buyer. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request verification and proper documentation of this account. 

Once a debt has been sold, the original creditor ( XXXX  XXXX XXXX in this case ) should report the account as sold or transferred and with a XXXX balance. If the new collector is reporting the account, they must provide full documentation verifying their legal authority to do so. 

Therefore, I request that Equifax : Immediately investigate this account and provide documented verification of the debt. 

Delete the account from my credit report if full documentation and ownership records are not provided within 30 days. 

Send me a written statement of the results of your investigation. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report with the disputed account clearly marked. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 has violated my rights. 

EXPERIAN XXXX XXXXXXXX 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 NATIONAL CREDIT ADJUST XXXX * * * * * * XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after a
ny reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
b'I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report.\nTo date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence.\nBelow is a list of the items I am requesting to be removed from my credit file.\nXXXX XXXX XXXX Balance:XXXX XXXX XXXX XXXX Balance:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-06 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: OH

Complaint narrative:
I am filing a complaint against Equifax for illegally re-reporting a fraudulent account on my credit report in XX/XX/year>, despite having fully complied with the identity theft protections outlined under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

This account was previously investigated and removed by Equifax in XX/XX/year> after I submitted : An official FTC Identity Theft Report A detailed police report A written statement asserting that the account was the result of identity theft Now, Equifax has reinserted the same fraudulent account into my credit report. This is a clear violation of 15 U.S.C. 1681c-2 ( Section 605B ) and continues to damage my creditworthiness. I am demanding that Equifax : 1. Permanently delete the fraudulent account 2. Confirm in writing that it has been removed 3. Stop re-reporting this account I have contacted Equifax directly and submitted documentation, but they have failed to resolve the issue or respond appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through 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 explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: AL

Complaint narrative:
Experian transunion and Equifax has bad credit reports on me and all of the reports are fraud my identity was stolen threw XXXX I tried to report it but they still have it on file I even tried to freeze my report but still have it on file which makes it gas for me to even get a good credit score or get anything on credit .i need it fixed quickly so i can get some kind of relief

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian transunion and Equifax has bad credit reports on me and all of the reports are fraud my identity was stolen threw XXXX I tried to report it but they still have it on file I even tried to freeze my report but still have it on file which makes it gas for me to even get a good credit score or get anything on credit .i need it fixed quickly so i can get some kind of relief

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 2025-06-06 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: CO

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

These accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XX/XX/XXXX

Company response to consumer: Closed with explanation