vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
I am submitting this dispute regarding the inaccurate reporting on my credit reports with XXXX, Equifax, and XXXX. Below is a detailed account of the items in question, separated by each bureau. 


Equifax ( EQ ) XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$51000.00} XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date XXXX : XXXX : {$6600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$38000.00} MXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XX/XX/XXXX -Balance : {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX/XXXX/XXXX -Balance : {$430.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my credit report. These accounts are inaccurate and/or incomplete, and I request that they be investigated, corrected, or removed from my credit report according to the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-18 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: IN

Complaint narrative:
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Reason : Inaccurate and materially misleading reporting I am disputing the XXXX XXXX XXXX ( XXXX ) automobile tradeline as inaccurate and misleading under the Fair Credit Reporting Act. 

1. XXXX is inaccurately presented as the originating creditor The tradeline lists : Date Opened : XX/XX/XXXX However, the Retail Installment Contract was originated by the dealer, and XXXX only acquired the account by assignment. Listing XXXX with the origination date materially misrepresents XXXX role and violates 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ). 

2. Charge-off is being improperly re-reported every month XXXX admits the account was charged off once in XX/XX/XXXX. 
Despite this, TransUnion shows : Charge-off status reported every month from XX/XX/XXXX through XX/XX/XXXX A charge-off is a single accounting event, not a recurring monthly occurrence. Re-reporting charge-off monthly is materially misleading and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

3. Improper postcharge-off payment history updates After the account was closed and charged off, XXXX continues to report : Payment Not Received ( PNR ) Profit and Loss ( PRL ) Monthly delinquency indicators Once an account is charged off and closed, continued monthly payment-status updates are inaccurate and misleading, and distort the severity and duration of delinquency. 

4. Inconsistent and misleading balance reporting after charge-off The account shows : A current balance Repeated reporting of the original high balance ( {$18000.00} ) long after charge-off and closure Reporting a charged-off loss without proper clarification while continuing to update balances is incomplete and misleading under the FCRA. 

5. Failure to verify accuracy Because the information contains internal inconsistencies and misrepresents the nature of the charge-off, it can not be verified as accurate or complete. TransUnion has an obligation under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation. 

Requested Resolution Due to the above inaccuracies and misleading reporting, this XXXX tradeline must be : Deleted, or Corrected to reflect a single charge-off event with no ongoing delinquency or misleading balance updates, and with accurate creditor designation. 

Please complete a full reinvestigation and provide written confirmation of the results.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this complaint to dispute inaccurate, misleading, and non-compliant credit reporting related to the following account : XXXX  XXXXXXXX XXXX XXXX This account is being reported with late-payment history that is factually impossible and legally impermissible. The tradeline reflects a XXXX balance, XXXX past-due amount, and an account status indicating it was transferred and closed, yet it continues to display 90- and 120-day late payment notations after the transfer date. Once a student loan is transferred, the prior servicer no longer has any authority to furnish ongoing payment history or new delinquencies.

The continued reporting of late payments after transfer and closure violates FCRA 623 ( a ) ( 1 ) ( A ) for furnishing information known to be inaccurate and 15 U.S.C. 1681s-2 ( b ) for failure to conduct a reasonable investigation after dispute. This reporting also conflicts with XXXX XXXX Field 25 ( Account Status ) and Field 71 ( Compliance Condition Code ), which prohibit delinquency coding on transferred or closed accounts. 

Additionally, this account contains conflicting and unverifiable dates, including inconsistent Date Opened, Date Last Active, and Date of Last Payment fields, making the information incomplete and unreliable under FCRA 607 ( b ) and 611 ( a ), which require maximum possible accuracy. 

Despite my disputes, the inaccurate late-payment history continues to be reported across consumer reporting agencies, causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Original complaint ID XXXX. I have included the text from that complaint below, along with American Express response dated XXXX ( see attached images ). Amex promised to resolve the missing points issue over a month ago and have still not. I've now wasted XXXX hours on this. 

Original complaint text : " Hello, this complaint pertains to a promotional bonus mile allocation through American Express and a Delta Skymiles Gold Card ending in - XXXX. The skymiles account associated with this complaint is XXXX. I agreed to a promotion emailed to me from American Express ( XX/XX/year> ) in which if I upgraded by Delta SkyMiles  blue card to a gold card, I would received a {$150.00} account credit and XXXX skymiles after spending {$2000.00}. I met this spending requirement within the first month of the upgrade. As such, I received the {$150.00} statement credit. On XX/XX/year> ( please reference the skymiles image attached ) American Express credited my account XXXX miles and XXXX miles in XXXX separate transactions. They then debited my account XXXX miles and XXXX miles ( please reference the skymiles image attached ). I reached out to Delta to inquire why my account had these miles debited. I attached the email response from Delta in which they clearly state this was done by American Express. I reached out to American Express multiple times to clarify why my account is missing XXXX bonus miles from their actions on XX/XX/year>. They continue to run me in circles and state they can not see anything on their end. They will not allow me to share images or proof of what they did and continue to give me case numbers that lead to no resolutions and the same story. At the end of the day, they took XXXX miles out of my account on XX/XX/year> and I want to know the exact reason why, which they have been evading for months. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
A fair resolution, pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), would be the complete removal and permanent blocking of all fraudulent accounts and all unauthorized hard inquiries from my credit reports with XXXX XXXX  and XXXX. I would like these accounts removed in 4 days Under Section 605B, I am requesting the following actions : 1. Immediate deletion of all fraudulent accounts that were opened without my knowledge or consent.

2. Removal of all unauthorized hard inquiries associated with this identity theft incident.

3. Permanent blocking of these accounts and inquiries to prevent them from reappearing on my credit file.

4. Correction of any and all negative information that resulted from the reporting of these fraudulent accounts or inquiries.

5. Written confirmation from each credit bureau and any data furnisher verifying that the disputed items have been deleted and will not be reinserted. 

I did not open or authorize these accounts or inquiries and am the victim of identity theft. The fair and lawful resolution is full removal, permanent blocking, and correction of all fraudulent information in compliance with FCRA Section 605B

Company response to consumer: Untimely response
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
XXXX XXXX Police Department Case Number- XXXX I am disputing American Expresss denial of a fraud claim involving approximately {$220000.00} in charges arising from employee financial fraud. 


An individual who worked for my business opened and used an American Express account without my authorization. I did not authorize her to open an account, be an authorized user, or incur charges on my behalf. 

American Express denied my fraud claim on the basis that the actual account user was using the card ( I have received this email response multiple times ) because it was created at the same time as my account, then I received a letter from American express that says, and I quote, XXXX We've reviewed our records and are unable to accept your claim as you made payments on the account. By making payments, you have accepted liability for this account. XXXX ( dated XX/XX/year>. The first fraud case was opened up around the first week of XXXX I believe. This is after over XXXX calls to American express XXXX  team, I have not once got a call asking for evidence in the case. I have weeks of phone calls, with promises to get calls back and nothing has happened. With that being said, This conclusion from American Express is incorrect and unsupported. Simultaneous setup does not constitute consent or authorization, particularly where the account was opened by an employee acting fraudulently. 

Critically, the individual responsible has since been indicted by a grand jury for XXXX XXXX charged with a XXXX XXXX, and is currently XXXX  awaiting trial in XXXX XXXX XXXX XXXX XXXX This confirms that the conduct at issue was criminal in nature and not authorized. 

Despite all this, American Express has : Refused to reclassify the account as fraudulent Refused to provide proof of authorization Prevented meaningful investigator contact after reopening the case multiple times Payments during this time to my account were made out of Economic duress, and solely to prevent additional financial harm, interest, and account damage. 

Even after a demand letter sent to American express legal team, I have yet to get any evidence of either a signed application, recorded consent, digital acceptance logs tying me to personally to authorization, nothing, zero communication with American Express besides me trying to reach out and get this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> To : American Express Attn : Compliance / Legal Department [ Address ] Re : Cease & Desist and Demand for Deletion FDCPA & FCRA Dear Sir/Madam, I am writing regarding the following accounts that American Express is attempting to collect or report : XXXX. Account Number : XXXX Charged off ; {$3800.00} written off ; {$1000.00} past due as of XX/XX/year> XXXX. Account Number : XXXX Charged off ; {$7200.00} written off ; {$2500.00} past due as of XX/XX/year> XXXX. Account Number : XXXX Charged off ; {$9900.00} written off ; {$7300.00} past due as of XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Closed XXXX. XXXX XXXX  Charged off ; {$1300.00} written off ; {$1300.00} past due as of XX/XX/year> Cease and Desist under FDCPA : Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am formally requesting that you immediately cease all communication regarding these accounts. This includes, but is not limited to, phone calls, letters, emails, text messages, or any other form of contact. Any further communication after receipt of this notice will be considered a violation of federal law, and I will pursue all available legal remedies, including reporting to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General.

Demand for Deletion under FCRA : Under 15 U.S.C. 1681s-2 ( b ), you are required to investigate and ensure the accuracy of any information you report to consumer reporting agencies. I dispute the reporting of the above accounts as inaccurate, incomplete, or misleading. Therefore, I demand that you : XXXX. Immediately delete all inaccurate, unverifiable, or unauthorized information related to these accounts from all consumer reporting agencies ( XXXX XXXX XXXX  and any other agency ). 
XXXX. Provide written confirmation that these accounts have been deleted and that no negative information will be reported in the future. 
XXXX. Cease all collection activity unless you provide validated proof of the debt in accordance with federal law. 

Please be advised that failure to comply with this request will result in formal legal action, including claims for damages under both the FDCPA and FCRA, as well as complaints filed with regulatory authorities. 

This letter serves as a formal notice of my rights under federal law. I expect written confirmation within 30 days of receipt. 

Sincerely, XXXX : XXXX Prejudice All Natural Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Around XXXX of XXXX, my wife made a small purchase at XXXX XXXX XXXX  that I was unaware of, including two other purchases from XXXX  XXXX & XXXX XXXX. I was not responsible for any of the purchases ; however, Macy  's XXXX XXXX ) C/C had placed me on " paperless '' w/o my consent or acknowledgement. Macy 's subsequently charged me for a {$30.00} late fee. When I first contacted Macy 's, I was dispatched overseas. It was hard to understand their broken English, and they usually told you one thing and got the opposite result. At first, they reversed the {$30.00} late fee and opened an investigation for fraudulent purchases. However, I later learned that my wife used the C/C for one purchase at XXXX XXXX XXXX XXXX Macy 's could never give me a straight answer, but in a nutshell, I had been told that I was originally charged back {$30.00} as a result of XXXX XXXX only crediting {$30.00} of a {$45.00} charge, which is unheard of. Who only receives back a portion of a charge in dispute? The XXXX XXXX had been reversed and remains reversed at present. I had been advised by my wife, that she only made the one single purchase from XXXX. However, Macy 's allocated that they did not charge back the {$30.00} late fee, but had charged me {$15.00} for a remaining balance due, and then threatened me with additional late fees & interest, supposedly reversing the additional {$30.00} plus interest and forcing me to pay them an additional {$30.00}, which apparently a reversal late fee charge and allocating that I still owed them for a purchase we NEVER made! I then filed a dispute with Macy 's around late XX/XX/XXXX and was told that I need not be concerned about any payment and that they would have someone call me back within a few days. I received NO call back or response, other than more late fees! I also did not receive my XX/XX/XXXX bill, despite my demanding for monthly paper statements. Macy 's therefore is responsible to reimburse me for the loss and NOT harm my credit in any way! Yet, I'm still receiving interest & late fee letters from them, in addition to being shown against my online account. I had no choice but to pay them for an additional {$30.00} on XX/XX/XXXX. For the record, my wife does not shop at XXXX XXXX and hasn't purchased anything from XXXX XXXX since XXXX. I believe Macy 's is well aware of inside theft & fraud, as like XXXX, and they're concealing the truth and capitalizing on their losses. Macy 's is acting in a fraudulent manner. Please assist. 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 monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
My Chime account was suspended, briefly reinstated, and then re-suspended within XXXX hours without me ever being able to access my funds. All transactions were confirmed as authorized. 

I contacted Chime support multiple times and was refused escalation to a supervisor or fraud resolution specialist. I was not provided with a clear explanation, legal basis, or timeline for resolution. 

I am currently traveling and this restriction is preventing access to essential funds for housing and transportation. 

I am requesting immediate release of my funds or a clear written explanation of the legal basis for holding them, along with a defined resolution timeline.

Company response to consumer: Closed with explanation