vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
I am disputing the following accounts on my Experian credit report. These accounts do not accurately reflect my current credit situation and require investigation.

CHARGED OFF XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$650.00} INQUIRIES XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX LATE PAYMENTS XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I was an XXXX  in a XXXX with a corporate American Express Credit card . The XXXX has since been closed and is out of business. There were some accounts that I had signed a personal guarantee for that I paid off those balances first. I requested a copy of the agreement from American Express to determine what if any personal liability I have for the corporation 's alleged debt. 

After the company closed, American Express recorded a default account on my personal credit report. They did not file anything regarding the account on my personal credit for the years the account payments were made on time. In addition to reporting the account as in default, they also file each month a derogatory report that the payments are late. But they won't accept any payments or provide a payoff amount.

American Express 's reporting of the account to the credit reporting agencies, has resulted in between XXXX point decrease in my personal credit score.

Since American Express has begun reporting the account on my personal credit, I have contacted American Express directly and their attorneys requesting 1 ) a copy of the agreement 2 ) any acceptable payment options 3 ) a payoff amount to clear the account.

American Express and it's attorneys have refused to provide any of the information requested including a payoff amount. Their attorneys have even blocked my emails so I can't communicate with them even to provide court filings.

On XX/XX/year>, in a filing to the Utah XXXX XXXX XXXX, American Express through it's attorneys have acknowledged my request to resolve this account. Quote " her Opposition outlines her attempts to negotiate a settlement of her account with American Express and states that she is trying to resolve this matter with minimal costs. '' If American Express will not accept payments, or provide an acceptable payoff amount, they should be precluded from reporting late payments and a derogatory account with the credit reporting agencies.

Also, with the legal requirement for a plaintiff to attempt to mitigate damages, Amex should not be able to continue to accrue increasing interest and legal fees when they won't allow me to resolve the account, but that hasn't prevented them from damaging my credit. The only reason for American Express to provide derogatory reports to the credit reporting agencies while at the same time refusing payments or the request to pay off the account is the harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I've been a USAA member for quite a number of years and have XXXX cars, XXXX homes, earthquake, and umbrella policies on both homes insured through USAA. When they mailed me a XXXX percent offer with a high credit limit, I took the opportunity to balance transfer a little under {$15000.00} including the balance transfer fee. 

Now that I'm trying to make a payment on XXXX 's website, when I click to pay my credit card bill, a box opens up to make a payment to my automobile and umbrella policies only and doesn't give me the option to click an area to just pay my credit card bill. Furthermore, there doesn't appear to be a separate area to just look at the credit card bill and the activity and the website is confusing to traverse. My wife almost submitted XXXX payments on the car insurance this month when we were intending to pay for the credit card. After she contacted the credit card customer service division, they were unable to assist her with a payment because she isn't an authorized user. I've waited another day to make my payment because yesterday the rep stated to my wife that she would let their XXXX division know of this issue and that it shouldn't be happening like this when we sign in to make payments. Now my wife has to go through the trouble of sending this company our power of attorneys because even though we are on the same insurance policies, they refuse to assist her if I don't verify she's able to speak on my behalf regarding a payment. All this has done is create more delays when this company has suggested that I send in my payment via snail mail instead.

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 2025-12-16 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 filing this complaint because I am a victim of identity theft, and both Experian and Equifax have failed to block and remove fraudulent information from my credit file as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted my FTC Identity Theft Report, proof of identity, and a formal written request for an identity theft block. Despite providing all legally required documentation, fraudulent and inaccurate information continues to appear on my credit report, causing serious harm to my credit standing.

Under FCRA 605B, the credit bureaus are required to block identity-theft-related information within four ( 4 ) business days after receiving proper documentation. Neither Experian nor Equifax has complied with that obligation. 

XXXX. Incorrect Personal Information My credit file contains personal information that does not belong to me, and is connected to identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never used this date of birth or lived at these addresses. They must be removed immediately under FCRA XXXX. 

2. Fraudulent Accounts to Block Under 605B The following accounts were not opened or authorized by me. These accounts are fraudulent and identity-theft related : XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$18000.00} XXXX XXXX XXXXse accounts do not belong to me, and the bureaus must block and permanently delete them as required by FCRA 605B.

3. Credit Bureau Non-Compliance Despite receiving : My FTC Identity Theft Report My government-issued ID Proof of address My written statement detailing the identity theft Experian and Equifax failed to : Block the fraudulent accounts Remove the inaccurate personal information Process the identity-theft block within four business days Notify me of any verification or reinvestigation results This failure violates FCRA 605B and continues to cause harm including credit denials, financial loss, and ongoing reporting inaccuracies. 

I am requesting CFPB assistance to enforce compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: WA

Complaint narrative:
Hello XXXX, I filled a dispute with Bank of texas on XX/XX/XXXX for XXXX transactions made with my debit card XXXX XXXX. 
I cancelled with the merchant between their time frame for full refund the service that will not use it. The merchant agreed to refund and proceed with the cancelation receipt, the email confirming the full refund to the same payment method and also the credit voucher. 
Those XXXX refund where never posted to my account so I contacted my bank to dispute those amounts. 
The answer from them was to close the account and denied the claim without any explanation and violating my right to open the dispute under the transfer act and regulation XXXX Someone is seizing my refunded money, the bank, the payment procesor or visa. I sent to the bank all the required documentation to support the case but even that the bank didnt proceed because the bank denied the claim in less than XXXX weeks when XXXX give a time frame for resolution of 90 days, so it means that the transactions were never disputed with visa and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an unauthorized and fraudulent credit inquiry that appears on my credit report. I want to make it absolutely clear I never gave this company any form of consent, written or verbal, to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, no company has the legal right to pull my credit report without a permissible purpose. This inquiry was made without my authorization, which is a direct violation of federal law. 

Not only does this harm my privacy, but it also has the potential to negatively impact my credit score and my overall financial standing. I am fully aware that each inquiry must have a legitimate, verifiable, and documented reason for being conducted, and this company has none. If the bureau or the creditor can not produce a signed, verifiable document showing I gave permission for this inquiry, it must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-12-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dispute No. : XXXX I'm a Citibank Credit Card XXXX and have been since I was XXXX XXXX XXXX ( now XXXX ). Never missed a payment and payoff the full amount every month. On or about XX/XX/year> I charged {$890.00} for airline tickets through Airreservation.com. After I made the charge I received a phone call from the company which requested some additional information, etc. After a while I felt something was off. I tried calling the company back and the number came up as " spam likely ''. I immediately went to Citibank XXXX and filed a dispute of the charges. 

Citibank then refunded me the {$890.00} but looked in the matter further. On XX/XX/year> Citibank sent a letter stating that they were giving the {$890.00} back to the company because I was going to received the airline tickets by the end of XXXX. 

The end of XXXX came and went and I didn't receive the tickets or my refund. I called Citibank and they opened another dispute. I also called the company and they sent me the following email.... Hi, I hope this message finds you well. 
I am writing to inform you that, due to overbooking, the airline has canceled your reservation. We are really sorry for the inconvenience. We would like to inform you that the refund has been successfully processed for the amount corresponding to the tickets you booked. We would like to confirm a full refund of {$890.00} USD will be processed to your original mode of payment. Please note that it may take between XXXX XXXX business days. for the refund to reflect in your account. 

Kindly verify the refund on your end, and feel free to reach out if you have any further questions or need assistance. Please do not hesitate to contact us at XXXX. We are here to help! 

Thank you for choosing us, and we hope to assist you again in the future. 

Thanks & Regards, Customer Experience Team Phone : XXXX I sent that email to my credit card company and they are refusing to refund my {$890.00} and so is the company. I'm at a loss since I've been disputing this for the past 4 months and have no tickets and no refund. 

Please tell me what I can do. Thank you and have a great day. 

Sincerely 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 2025-12-16 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:
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. Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 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 any 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. 15 U.S.C. 1681B ( 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.

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I HAVE XXXX CREDIT CAR FROM CAPITAL ONE BANK THAT THEY CLOSED BY THEMSELF SO WRITE ME REPORT TO DISPUTE THE XXXX {$300.00} {$300.00} {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint against a debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The company is reporting and/or attempting to collect an alleged debt without providing proper validation after written request.

Violations include : Failure to provide debt validation under 1692g Continued credit reporting without verification Misrepresentation of legal status and ownership of debt Reporting amounts not supported by documentation Failure to provide chain of assignment from original creditor Despite my dispute, the collector continues to report the account to credit bureaus, causing ongoing financial harm. 

This constitutes unlawful collection activity and false credit reporting. I request that CFPB require the company to cease reporting and collection activity and remove the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my TransUnion credit report, I identified multiple charged-off accounts, a recent inquiry, and late payments that I believe may be inaccurate or not properly verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dispute the accuracy of these late payments and request verification. 

I respectfully request that TransUnion investigate these matters and correct or remove any information that can not be verified as 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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a predatory auto loan financed by Exeter Finance that has caused ongoing financial harm despite my consistent, good-faith payments. 
On XX/XX/XXXX, I financed a used XXXX XXXX XXXX through Exeter Finance in the amount of {$35000.00} at an XXXX of XXXX XXXX for a term oXXXX XXXX  months. The monthly payment is {$910.00}, and the total repayment amount exceeds {$69000.00}. 
At the time of purchase, I was explicitly told that although the interest rate was high, I should not worry because I would be able to refinance after approximately XXXX year. I relied on this representation when entering into the loan. 
I have maintained consistent payments to the best of my ability and acted responsibly under the loan. When I later attempted to refinance, I was informed by Exeter Finance and other lenders that refinancing was not possible due to the loan structure and loan-to-value ratio. I was never informed that the loan would be structured in a way that made refinancing extremely unlikely or unrealistic from the outset. 
Despite having paid approximately {$32000.00} toward this loan, my remaining principal balance is still approximately {$37000.00}. The loan is unsustainable and has left me trapped in long-term negative equity with no realistic path to exit. 
I believe this loan involved deceptive representations regarding refinancing, failed to consider loan sustainability, and constitutes unfair and abusive practices. I am requesting a full review of this loan, including underwriting, representations made at origination, and consideration of relief such as interest rate reduction, loan modification, or other equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation