vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a XXXX American Express card in 2023 with a {$0.00} annual fee for the first year. I understood that the second year would charge a {$99.00} annual fee, which I knew and accepted. 

However, in the third year, I was charged a {$150.00} annual fee without any prior notice. I received no email, no paper mail, and no clear in-app notification regarding this fee increase. 

I contacted American Express customer service to request an explanation and a full refund. Customer service insisted that a notice was sent within one of my statements and stated that, since I use paperless statements, all information was included there. They said it was my responsibility to find this hidden information. They refused to provide a full refund or proper resolution. I believe that even though I chose paperless statements, any fee increase should be communicated explicitly and separately, not hidden within a statement. 

I was never informed of this fee increase in any effective way, and this unexpected charge has caused frustration and inconvenience. I am requesting a full refund of the {$150.00} annual fee due to the lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
WILLFUL FCRA VIOLATIONS Experian illegally reinserted previously blocked identity-theft accounts without following mandatory reinsertion rules. 

I submitted valid FTC Identity Theft Report # XXXX ( attached, dated XX/XX/year> ). 
Experian correctly blocked every fraudulent account and inquiry by XX/XX/year> ( attached clean report score XXXX, XXXX open accounts, 0 % utilization ). 

On XX/XX/year> Experian illegally reinserted the accounts ( attached notice ). 
Dispute results # XXXX ( attached ) show XXXX XXXX and others as Pending meaning Experian has received NO verification and NO written certification from any furnisher. 

As of XX/XX/year> the fraudulent accounts are still reporting ( attached full report score now XXXX, XXXX XXXX {$630.00} re-added, average age downgraded ). 

This violates : 15 U.S.C. 1681c-2 permanent block required after FTC identity-theft report 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) ( iii ) reinsertion is illegal without ( 1 ) written furnisher certification that the information is complete and accurate AND ( 2 ) providing the furnishers name, address, and phone number in the notice. Experian did neither.

I never received goods, services, or money from these accounts and never agreed in writing to unblock them.

Demand IMMEDIATE and PERMANENT re-block of every item on the attached fraud list ( 8 accounts + all hard inquiries ) and written confirmation within 3 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts. Please, I need to remove these negative accounts because they are hurting 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 2025-11-30 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: MO

Complaint narrative:
I submitted an FTC Identity Theft Report along with my identification, proof of address, and a written statement informing the credit reporting agencies that several accounts on my credit report were opened without my knowledge or permission.

Under FCRA 605B, once a consumer submits an identity theft report, the credit bureau is required to block all fraudulent information within 4 business days. Instead of blocking the items, the bureau continued reporting them and did not remove the identity-theft-related accounts.

These accounts were not opened or authorized by me, and I have no knowledge, agreement, or relationship with the companies reporting them. I am requesting CFPB enforcement to ensure the credit bureau immediately blocks and removes all identity-theft information as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: MO

Complaint narrative:
I submitted an FTC Identity Theft Report along with my identification, proof of address, and a written statement informing the credit reporting agencies that several accounts on my credit report were opened without my knowledge or permission.

Under FCRA 605B, once a consumer submits an identity theft report, the credit bureau is required to block all fraudulent information within 4 business days. Instead of blocking the items, the bureau continued reporting them and did not remove the identity-theft-related accounts.

These accounts were not opened or authorized by me, and I have no knowledge, agreement, or relationship with the companies reporting them. I am requesting CFPB enforcement to ensure the credit bureau immediately blocks and removes all identity-theft information as required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year> In XX/XX/year> I applied for an increase in credit line for credit card I had with XXXX XXXX. The credit line increase was denied. On or about XX/XX/year> I received a letter from XXXX XXXX  was an explanation for the denial stated the denial was partly based on a credit score from Trans Union which was incorrectly reported to be XXXX. Trans Union 's own website shows my credit score to be XXXX. A credit score of XXXX clearly informs a creditor that you are credit risk. The Incorrect credit score of XXXX is now part of my credit file with XXXX XXXX! 

How is it possible that a credit reporting company like Trans Union can make this type of error and damage a consumer like me that relies on accuracy of Trans Union 's credit reporting. This is shameful and there should be some consequences for Trans Union.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am writing to file a formal complaint regarding the actions of Cash App ( Square/Block , Inc. ) concerning the recent termination of my account and their refusal to delete my personal information from their database. All the support rep could tell me was it was because of gambling which I requested them to provide me the transactions they deemed to be gambling as I use CashApp to send money to my children and my elderly mother. They fail to provide these transactions for the termination.

Cash App abruptly terminated my account without providing any explanation or specific reason for their decision. When I contacted their support team to request clarification, I was repeatedly told that they could not disclose the reason for the account closure. These are the accounts $ XXXX, $ XXXX, $ XXXX, $ XXXX, $ XXXX were all terminated without reasons. 

Additionally, when I requested that my personal information be removed from their system, Cash App refused to fulfill this request. They continue to retain my data despite no longer allowing me to use their services and despite my explicit request for deletion. 

I believe this raises serious concerns regarding consumer rights, transparency, and data privacy. As a consumer, I should be entitled to : 1. A clear explanation for the termination of my account, and 2. The ability to have my personal information deleted if I no longer wish to use their services.

Cash Apps refusal to provide either is unacceptable and leaves me without answers, without access, and without control over my own data.

I respectfully request that the CFPB investigate this matter and assist in ensuring that Cash App provides the required transparency and complies with applicable consumer protection and data privacy laws.

Thank you for your time and attention. I am happy to provide any additional information or documentation that may be needed.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following items from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) 281 sw 715,719, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 


Experian Account Name : XXXX XXXX  Balance:XXXX  Account info Account number : XXXX Open/closed : Open Date Opened : XX/XX/year> Experian Account Name : XXXX XXXX  Balance : {$3800.00} Account info Account number : XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX  XXXX XXXX  XXXX XXXX Balance : {$650.00} Account info Account number:XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX XXXX  XXXX  Balance : {$3400.00} Account info Account number : XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX XXXX XXXX XXXX Balance : {$17000.00} Account info Account number:XXXX Open/closed : Open Date Opened:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have disputed with all 3 reporting agencies. I would like all addresses except XXXX XXXX XXXX XXXX XXXX XXXX, West Virginia XXXX removed from my credit report. 

As well as names other then 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 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was scammed by someone who utilized Chime for payment transactions/transfers. When I realized that and contacted Chime to dispute the transaction, they didnt help attempt to reverse the transaction even when they identified that the amounts going into the receivers account was suspicious because they were getting many transactions. Even when identifying that it seemed suspicious, they still did not make attempt to help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing inaccurate reporting by XXXX  regarding my Preferred Lease account ( Acct ending XXXX ). The account was closed in XX/XX/year> with a {$0.00} balance, yet it is still reported with derogatory or negative payment history despite no balance owed. 

Reporting negative information on a paid, closed account is misleading and violates the Fair Credit Reporting Act 607 ( b ), which requires maximum possible accuracy of consumer information. Unless XXXX  can provide full verificationincluding the original lease agreement, complete payment history, and proof of any alleged delinquencythe tradeline should be corrected or deleted to reflect paid/closed in good standing. 

I have attached supporting documents, including a copy of my ID and the relevant portion of my credit report highlighting this account. I am requesting written confirmation of deletion or correction within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am disputing inaccurate reporting by XXXX  regarding my Preferred Lease account ( Acct ending XXXX ). The account was closed in XX/XX/year> with a {$0.00} balance, yet it is still reported with derogatory or negative payment history despite no balance owed. 

Reporting negative information on a paid, closed account is misleading and violates the Fair Credit Reporting Act 607 ( b ), which requires maximum possible accuracy of consumer information. Unless XXXX  can provide full verificationincluding the original lease agreement, complete payment history, and proof of any alleged delinquencythe tradeline should be corrected or deleted to reflect paid/closed in good standing. 

I have attached supporting documents, including a copy of my ID and the relevant portion of my credit report highlighting this account. I am requesting written confirmation of deletion or correction within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: MO

Complaint narrative:
I submitted an FTC Identity Theft Report along with my identification, proof of address, and a written statement informing the credit reporting agencies that several accounts on my credit report were opened without my knowledge or permission.

Under FCRA 605B, once a consumer submits an identity theft report, the credit bureau is required to block all fraudulent information within 4 business days. Instead of blocking the items, the bureau continued reporting them and did not remove the identity-theft-related accounts.

These accounts were not opened or authorized by me, and I have no knowledge, agreement, or relationship with the companies reporting them. I am requesting CFPB enforcement to ensure the credit bureau immediately blocks and removes all identity-theft information as required by federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
am disputing two accounts being reported inaccurately on my credit reports. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX  I did NOT apply for, sign, or authorize any lease with XXXX XXXX XXXX XXXX I have never lived at this apartment, and no contract with my signature exists. This account is fraudulent and does not belong to me. I requested validation and documentation from XXXX XXXX and the credit bureaus, but none was provided. 

The XXXX XXXX XXXX is also reporting inaccurate and misleading information. The vehicle became inoperable shortly after purchase due to a recall the dealership failed to repair, and the account is being reported as if I am responsible for an unusable vehicle. I requested full documentation, account history, and reinvestigation, but the company did not provide the required information under FCRA 609 or conduct a proper investigation under FCRA 611.

I also filed a police report, an FTC Identity Theft Report, and an IC3 report documenting the unauthorized/fraudulent activity. These accounts continue to harm my credit, and the companies failed to validate or prove the accounts belong to me. I am requesting full removal from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: GA

Complaint narrative:
am disputing two accounts being reported inaccurately on my credit reports. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX  I did NOT apply for, sign, or authorize any lease with XXXX XXXX XXXX XXXX I have never lived at this apartment, and no contract with my signature exists. This account is fraudulent and does not belong to me. I requested validation and documentation from XXXX XXXX and the credit bureaus, but none was provided. 

The XXXX XXXX XXXX is also reporting inaccurate and misleading information. The vehicle became inoperable shortly after purchase due to a recall the dealership failed to repair, and the account is being reported as if I am responsible for an unusable vehicle. I requested full documentation, account history, and reinvestigation, but the company did not provide the required information under FCRA 609 or conduct a proper investigation under FCRA 611.

I also filed a police report, an FTC Identity Theft Report, and an IC3 report documenting the unauthorized/fraudulent activity. These accounts continue to harm my credit, and the companies failed to validate or prove the accounts belong to me. I am requesting full removal from all bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CRESCO CAPITAL INC.
State: IL

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX I purchased from XXXX XXXX XXXX that had a transmission defect from the very first day, which the company repeatedly dismissed. Their actions and lack of proper inspection have caused significant financial harm to my business. 

On the first day I purchased the truck and drove it home from Iowa, I received a low transmission air warning. I immediately called XXXX XXXX, and I was told this was normal, even though the warning persisted. I brought the truck to XXXX XXXX XXXX multiple times for this same issue, but they never properly inspected the transmission. They performed unrelated repairs and charged me for services that did not fix the problem. The transmission warning never went away from day one. 

This shows that the truck had a pre-existing transmission defect at the time of sale. XXXX XXXX failed to properly address my concerns, and XXXX XXXX XXXX failed to diagnose the issue despite multiple visits. I acted in good faith and maintained the truck, while the companies responsible ignored the root problem. 

During a previous XXXX  complaint, XXXX XXXX offered to take the truck back only if I forfeited my deposit, all payments I had made, and the repair money I had already invested. I had already spent XXXX  trying to keep the truck operational and could not afford to lose that amount, so I continued making payments and attempting repairs. 

The truck has now been diagnosed as needing a full transmission replacement costing approximately {$18000.00}. This confirms that the issue existed from the beginning and was repeatedly ignored. I have paid over {$1300.00} per month for this truck and invested XXXX  in repairs. The truck has been down since XXXX, causing me to lose income, work opportunities, and a business contract. This has placed me under significant financial strain. 

XXXX XXXX is now offering only three options : ( 1 ) pay off the truck in full, ( 2 ) voluntary surrender with negative credit reporting and potential remaining balance, or ( 3 ) finding someone to assume the lease. None of these options are fair considering that I reported the defect immediately, the issue was never properly investigated, and the truck is now requiring an extremely costly repair. I also have the health reports for the truck also all receipts from taking the truck to the shop for low transmission error!

Company response to consumer: Untimely response