vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In or around XX/XX/XXXX, during a business partnership, my former partner had her assistant apply for an American Express credit card using my personal information. I was asked to briefly speak with an American Express representative by phone to provide my name and then hand the phone back. I was later told verbally that I was not approved for a personal card, that a business card was approved instead, and that I would not be receiving a card. I never saw an application, never received a denial letter, and never received any cardmember documentation. 

On XX/XX/XXXX, pursuant to a settlement agreement, I became the sole owner of the business, and all credit cards were to be transferred to me with my former partner removed from any accounts. 

In or around XX/XX/XXXX, approximately 1.5 million American Express Membership Rewards points associated with the business were transferred to another account. I was told the points would be applied to a credit card balance, but I have never been informed where the points were transferred, to which account, or under whose authority. 

Separately, multiple vendors informed me that they had records showing multiple American Express cards associated with my company name and my personal name. The vendors advised that : Cards bearing my name and my business name existed The same card numbers also appeared under different business names and different cardholder names These different businesses used the same vendors, and charges appeared to route through the same American Express card numbers This raised concern that : Duplicate or mirrored American Express cards may exist Card numbers may have been associated with multiple business identities simultaneously My business may have unknowingly paid expenses belonging to another business using American Express accounts associated with my name After XX/XX/XXXX, I received multiple letters from American Express stating that payments were made, accounts were requested to be closed, and credits were transferred to other accounts. Despite repeated closure requests, the accounts appeared to remain open due to additional payments or credits being applied. 

I have repeatedly requested documentation from American Express, including : All applications submitted in XXXX  Approval or denial records Invoices and statements A complete list of all American Express accounts ever opened in my business name or my personal name Clarification of duplicate cards, shared card numbers, and account relationships These records have not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
I did not receive any billing statement or correspondence regarding the alleged late payment for at least 21 days prior to the due date, as required under 15 U.S.C. 1666b and Regulation Z. As such, all late payments under this account are disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I did not receive any billing statement or correspondence regarding the alleged late payment for at least 21 days prior to the due date, as required under 15 U.S.C. 1666b and Regulation Z. As such, all late payments under this account are disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given an American Express Gift Card for {$150.00} as a gift and it isn't working for online purchases. It keeps getting declined. American Express blamed the businesses, however I have more than enough on my card. I'm filing an complaint for this fraudulent behavior from American Express. And, their false claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NV

Complaint narrative:
THE CREDIT CARD ACCOUNTS OPENED WITH XXXXXXXX XXXX ON XX/XX/XXXX, AND XX/XX/XXXX ARE FRAUD ACCOUNTS AND NEED TO BE REMOVED FROM MY CREDIT REPORT. ADDITONALLY THE INQUIRIES FROM XXXX XXXX DATED XX/XX/XXXX ARE ALSO FRAUD AND NEED TO BE REMOVED. SEE ATTACHED DOCUMENTS TO VERIFY MY IDENTITY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: NV

Complaint narrative:
THE CREDIT CARD ACCOUNTS OPENED WITH XXXXXXXX XXXX ON XX/XX/XXXX, AND XX/XX/XXXX ARE FRAUD ACCOUNTS AND NEED TO BE REMOVED FROM MY CREDIT REPORT. ADDITONALLY THE INQUIRIES FROM XXXX XXXX DATED XX/XX/XXXX ARE ALSO FRAUD AND NEED TO BE REMOVED. SEE ATTACHED DOCUMENTS TO VERIFY MY IDENTITY.

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 2025-12-25 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: NV

Complaint narrative:
THE CREDIT CARD ACCOUNTS OPENED WITH XXXXXXXX XXXX ON XX/XX/XXXX, AND XX/XX/XXXX ARE FRAUD ACCOUNTS AND NEED TO BE REMOVED FROM MY CREDIT REPORT. ADDITONALLY THE INQUIRIES FROM XXXX XXXX DATED XX/XX/XXXX ARE ALSO FRAUD AND NEED TO BE REMOVED. SEE ATTACHED DOCUMENTS TO VERIFY MY IDENTITY.

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 2025-12-25 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: KY

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce 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
Consumer complaint received 2025-12-25 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: KY

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-25 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-12-25 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-12-25 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:
My student loan ( XXXX Direct PARENT Plus ) was paid in full on XX/XX/year>XXXX  with XXXX. The account is incorrectly reporting as current with payment deferred ( XXXX  ). It should be reported as closed/paid in full with a {$0.00} balance.

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 2025-12-25 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: Chime Financial Inc
State: NY

Complaint narrative:
I notice a charge on my card from a rental company over XXXX and I didnt authorize filed dispute case was closed within 5 hours no investigation just denied and Ive been seeing this chime is a scam an stealing money but this just confirmed the reviews

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake called me while I was at work I simply said I can't hear you it's loud I'm at work and they said oh okay and hung up directly did not allow me to say anything else like schedule a call back. Or give me a second to get away somewhere I could hear him. 
They did that to show they called ABSOLUTELY nothing was said in regards to the issue. The hung up when I said I couldn't hear them cause I was at work I asked them to repeat what he said while I was walking to quiet corner and he hung up! 
Unresolved and more shady dealings unwilling to converse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
These accounts were established without my authorization, suggesting fraudulent activity. I urge you to conduct a thorough investigation and promptly eliminate them from my credit report. Supporting documentation is attached for your review. Your prompt resolution of this matter is highly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I had a credit card account with Navy Federal Credit Union that became delinquent during a period of financial hardship while I was awaiting approval of a VA disability claim. Once my claim was approved and my income stabilized, I worked to resolve the account in good faith. 

On XX/XX/year>, Navy Federal sent me a written settlement offer via email to resolve the account for {$750.00} on a balance of {$2100.00}. I did not immediately accept the settlement. 

A few months later, when I was in a position to resolve the account, I contacted Navy Federal by phone on several occasions to discuss my options and to clarify how the account would be reported if resolved.

During one of these calls, I was verbally informed by a Navy Federal representative that paying the account in full would result in the account being removed from my credit report. Relying on that representation, I declined the settlement offer and instead chose to pay the entire balance owed. I paid the balance through multiple payments until the account was fully paid. 

After the account was paid in full, I reviewed my credit reports and discovered that the account remains listed with late payments and negative reporting. I filed disputes with the credit reporting agencies, but the disputes were rejected based on Navy Federal verifying the information without addressing the verbal representation that influenced my decision to pay the account in full.

I am disputing the accuracy of this reporting because it does not reflect the resolution as it was explained to me at the time I made my payments. Navy Federal should have access to call recordings from my payment discussions that can confirm what was communicated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: MI

Complaint narrative:
This company on threecseoerste occasions declined charges they know not to fraudulent This happened 3 times in the last 3 months. 
I spent hours on the line but the operator could not get the card to work. I coukd pay for a car rental and cut my vacation short. 
Now tge verification department who dont answer half the time are closed for a days. 
This ought to be illegal for a credit card to knowingly not approve a charge they know to be valid then screw the card owner... yiu left me broke without a car ... congratulations big banks glad you make money off the average tax payer they screw them over for weeks.

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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Exeter Finance LLC is reporting inaccurate and incomplete information on my consumer credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

This account is reported as a charge-off while also indicating that the debt was sold or transferred to a third party. Despite the sale of the account, Exeter Finance continues to furnish derogatory information, which appears inaccurate and not properly supported. 

Additionally, the account contains inconsistent and conflicting reporting across consumer reporting agencies, including discrepancies in dates of last activity, dates of last payment, and account status. Exeter Finance has not demonstrated that it retains lawful authority to continue reporting this account after it was sold.

Ive disputed the accuracy, completeness, and legal basis of Exeter Finances reporting, including but not limited to : Reporting a charged-off account after the debt was sold Inconsistent and unverifiable dates of activity and payment Failure to properly reflect post-transfer status Failure to provide evidence of authority to continue furnishing this account Under FCRA 1681s-2 ( b ), Exeter Finance was required to conduct a reasonable investigation and ensure that any information furnished is accurate and complete. Exeter Finance could not fully verify the accuracy and legality of this reporting.

The account must be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation