vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: KY

Complaint narrative:
Merchant : XXXX  ( {$2400.00} ) FTC Report Number : XXXX I am filing this complaint against American Express for failing to conduct a reasonable investigation into a " Services Not Rendered/ Misrepresented '' dispute, as required by the Fair Credit Billing Act ( FCBA ). 

The Facts : ( Please see the attached 4-page 'Rebuttal to Chargeback Dispute ' for a point-by-point refutation of merchant claims and copies of their own support tickets admitting the service failed. ) Failure to Deliver : I authorized a charge of {$2400.00} based on the contractual promise of " qualified, responsive leads. '' The merchant failed to deliver this. The majority of leads provided were unresponsive, and several were confirmed deceased through professional real estate lookup tools. 

Merchant Misrepresentation : The merchant claims I am " walking away '' with digital assets ( website/marketing ). This is false. These assets are proprietary to their platform and are disconnected upon termination, providing XXXX residual value. 

Predatory Refund Terms : The merchant 's refund policy is structured to be practically impossible to fulfill, requiring 12 months of daily XXXX activity on non-viable leads. This is a " bad faith '' contract term designed to circumvent consumer protection. 

Bank Failure : American Express closed my dispute stating the charge was " authorized. '' I have never denied authorization ; I am disputing the performance of the contract. Under the FCBA, banks are required to investigate when a merchant fails to deliver goods or services as agreed. Amex has ignored the evidence of service failure and focused solely on the transaction 's authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
CBA is reporting a collection account on my credit file with a balance of {$31000.00}. This account appeared on my credit report in XX/XX/year>. 
I dispute this collection account. I have no knowledge of the original debt and have not received proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. 
I have requested debt validation including : the name of the original creditor, the original account number, complete documentation supporting the {$31000.00} balance, an itemized breakdown of how this balance was calculated, chain of assignment proving CBA owns this debt, proof that CBA is licensed to collect debt in Florida, and verification that the Date of First Delinquency has not been re-aged. 
CBA has failed to provide any of this documentation. Under the FDCPA, a debt collector must cease collection activity and credit reporting until proper validation is provided. Reporting an unvalidated debt to the credit bureaus violates both the FDCPA and FCRA accuracy requirements. 
This unvalidated collection account is severely damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite numerous good-faith attempts to dispute inaccurate information, the credit reporting agency failed to conduct a reinvestigation of the accounts in question, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Formal written disputes were submitted regarding the referenced accounts on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>. Each dispute was sent via certified mail, providing proof of delivery. However, I never received any notice confirming that the accounts were disputed, nor any results of a reinvestigation within the timeframes required under 15 U.S.C. 1681i.

The credit reporting agencys failure to acknowledge the disputes, conduct a reasonable reinvestigation, or provide written findings constitutes noncompliance with the FCRA and deprives me of my statutory consumer protections. 

Please refer to the attached correspondence for a detailed list of the accounts in question and copies of the previously submitted dispute letters.

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 2025-12-23 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: FL

Complaint narrative:
XXXX XXXX is reporting XXXX charged-off credit card accounts on my credit file : The first account was opened in XX/XX/XXXX and shows a charge-off balance of {$7300.00}. The second account was opened in XX/XX/XXXX and shows a charge-off balance of {$18000.00}. Both accounts are reporting as " Derogatory '' status across the credit bureaus. 
I dispute the accuracy of these charge-off accounts. I have requested verification including : original signed credit card agreements, complete billing statements showing how the balances were calculated, proof of proper notification before the accounts were charged off as required by the original card agreements, accurate Date of First Delinquency ( DOFD ) documentation, and verification that reporting complies with XXXX XXXX format standards. 
XXXX XXXX has failed to provide this documentation. The balances may contain inaccurate information including improperly assessed fees, incorrect interest calculations, or charges that were previously disputed. Without proper verification and documentation supporting these charge-offs, the accounts should not be reported on my credit file. 
These unverified charge-off accounts are severely damaging my credit score and my ability to obtain credit.

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 2025-12-23 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: FL

Complaint narrative:
XXXX XXXX is reporting XXXX charged-off credit card accounts on my credit file : The first account was opened in XX/XX/XXXX and shows a charge-off balance of {$7300.00}. The second account was opened in XX/XX/XXXX and shows a charge-off balance of {$18000.00}. Both accounts are reporting as " Derogatory '' status across the credit bureaus. 
I dispute the accuracy of these charge-off accounts. I have requested verification including : original signed credit card agreements, complete billing statements showing how the balances were calculated, proof of proper notification before the accounts were charged off as required by the original card agreements, accurate Date of First Delinquency ( DOFD ) documentation, and verification that reporting complies with XXXX XXXX format standards. 
XXXX XXXX has failed to provide this documentation. The balances may contain inaccurate information including improperly assessed fees, incorrect interest calculations, or charges that were previously disputed. Without proper verification and documentation supporting these charge-offs, the accounts should not be reported on my credit file. 
These unverified charge-off accounts are severely damaging my credit score and my ability to obtain credit.

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 2025-12-23 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: LA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX 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 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 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 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

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 2025-12-23 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: LA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports. 

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX 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 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 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 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

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 2025-12-23 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I informed them that my mother passed away on XX/XX/year> and that everything is frozen on her accounts. If they needed proof of death and if they needed to contact the attorney because of probate. They said no and that they would stop calling or notifying in any form. They lied and everyday from XXXX XXXX emails, texts, calls and postal. I told them to stop calling, texting and emails but they never stopped. I told there supervisors but no one listened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-24 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:
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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-12-24 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: TX

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am writing to you concerning my Certificate of Deposit number XXXX, which matured on XX/XX/XXXX [ below you say the maturity was XX/XX/XXXX. Why? The account statement says XX/XX/XXXX ]. 
You attempted to send me the balance of this CD on two occasions. On the first occasion, I asked that the proceeds be wired to an account I had at XXXX XXXX XXXX, account # ________. I was informed that it was not possible for you to send the funds to this account due to the fact that a small debit was fraudulently posted to this account by a third party. As an alternative, I asked that a check be mailed to me. Unfortunately, the address you had on file for me [ insert address ] was not my residence address and the check never reached me. I subsequently provided you with my residence address, which is XXXX XXXX XXXX, XXXX XXXX NY XXXX. 
I received a letter from you dated XX/XX/XXXX notifying me that the return of my CD balance is the subject of a dispute process. The number of the dispute claim is XXXX. A copy of your letter is included here. [ Did you sign and return the Written Statement attached to the notice form? If not, you should do so now. ] Thank you for managing my CD. I am ready, willing and able to provide you with any additional information or assistance needed to have the proceeds of the CD returned to me as soon as possible. I appreciate the time and attention you have devoted to this matter. 
If there is any other information I can provide to facilitate the return of the proceeds, please let me know. My direct cell phone number is : [ add ]. I would prefer to have the proceeds wired to my bank account at XXXX XXXX. For this, the routing number is XXXX and my account number is XXXX. 
Thank you for your prompt action in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Best buy XXXX XXXX opened up XXXX my name and purchase made online for the amount of XXXX XXXX XXXX sent me an email to confirm card and closed the account. A bill showed up to my house on XX/XX/year>. I never opened this account and would like it resolved.

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