vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express SOLICITED me with a credit card promotion promising XXXX XXXX miles if I was approved and met the spending requirements. I was approved and I met the spending requirements. They are now denying the promotional award stating I previously received this Welcome Bonus in XXXX. Had I known that I would be denied the promotion " at time of application '' I would NOT have applied for the " XXXX XXXX XXXX XXXX American Express card '. I applied due to the solicitation offer. Not to get another credit card that offers me less benefits than my existing credit cards ( XXXX, XXXX XXXX, etc. ). It is my belief ( knowledge ) that credit card companies have certain parameters when they 'solicit ' customers. Credit score, past experiences, etc. In this case they were aware that I previously received a similar " in name ''... Welcome Bonus... as they are now denying the promotional award for that reason. They should not solicited me for that particular credit card if I wasn't going to be approved. Misleading is not a strong enough word as in turn I spent over {$3000.00} on the card forgoing better branded or cash rewards on my other credit cards. American Express is inflexible on this situation and will not admit guilt in any form. The right thing is for them to admit guilt and come up with a mutually satisfactory arrangement. Lastly, I have two American Express cards that I am considering cancelling for their lack of customer service... not that they care. It is however the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Finance Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-07-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Finance Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was scammed out of {$200.00} through Zelle on XX/XX/year>, after unknowingly sending money to a fraudulent party. I believed I was making a legitimate purchase, but I never received the product and later discovered it was a scam. 

I contacted my bank, XXXX, immediately to report the transaction and requested a chargeback or refund. Despite explaining that I was a victim of fraud, they denied my claim, stating that Zelle transactions are considered authorized, even though I was clearly misled. 

I am asking for assistance because I believe this constitutes a fraudulent transaction under the Electronic Fund Transfer Act ( EFTA ). I acted in good faith, and my bank has not offered any protection or recovery options.

Im requesting the CFPB to investigate this issue and help facilitate a resolution or refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
I am submitting this complaint regarding the XXXX account , which is being reported inaccurately and inconsistently by all three credit bureausTransUnion, Experian, and Equifax. Despite prior disputes and me waiting 120 days for a resolution, the bureaus have failed to correct the errors and continue to verify incorrect and conflicting information, in violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations : 1. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Credit bureaus must report information with maximum possible accuracy. Three different Date Last Active entries, along with contradicting statuses ( charge-off vs. paid as agreed ), clearly violate this requirement.

2. FCRA 611 [ 15 U.S.C. 1681i ] - When a consumer disputes information, the bureaus must conduct a reasonable reinvestigation. Their refusal to correct or reconcile these blatant discrepancies after several disputes indicates they have not fulfilled this duty.

3. FCRA 602 ( a ) ( 1 ) [ 15 U.S.C. 1681 ( a ) ( 1 ) ] - My creditworthiness is being harmed due to the conflicting and incorrect information reported about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, a fraudulent deed was recorded in Maryland falsely claiming that my deceased husband sold our home to an HOA for {$6300.00}. He passed away in XXXX. I never authorized this transfer. I immediately reported the fraud to the mortgage servicer, Rocket Mortgage, and provided evidence, including court filings and police reports. 

Despite this, Rocket Mortgage has not acknowledged the fraud or protected my legal interest in the property. Instead, they sent me a letter warning about loan acceleration and referenced a different loan number tied to a third-party LLC I have no connection to. I am still making monthly payments on the original loan, but the company has failed to correct the title, stop collection notices, or address my hardship. 

Due to this fraud, Ive lost {$27000.00} in rental income since XX/XX/XXXX because tenants began paying rent to the HOA under a fraudulent lease. I fled the state in XX/XX/XXXX due to threats and elder abuse, and I now live out of state with my granddaughter.

I formally requested a six-month forbearance in XX/XX/XXXX due to severe hardship, ongoing civil litigation, and active criminal investigation related to this deed fraud. Rocket Mortgage has not responded. I am still paying mortgage, taxes, and insurance on a home Ive been banned from while others profit from my property.

This situation has caused serious financial loss and emotional harm. I am requesting the CFPBs help to get the company to stop collections, acknowledge the fraud, and provide the forbearance I applied for.I am requesting that Rocket Mortgage act immediately on the hardship letter I submitted titled : URGENT Request for Immediate Loan Forbearance Due to Title Fraud, Criminal Investigation, and Loss of Income ( Dated XX/XX/XXXX ) I respectfully ask that Rocket Mortgage : Grant a six-month loan forbearance on Mortgage Loan No. XXXX Move any past-due amounts to the back of the loan Pause all collection activity and protect me from acceleration or foreclosure Formally acknowledge that I am the rightful borrower and my loan remains active, despite the fraudulent deed recorded in XX/XX/XXXX Cooperate in the correction of the title, report the fraud to title insurance ( XXXX XXXX ), and support the criminal investigation now underway in Maryland I am a XXXX widow, displaced and suffering severe financial and medical hardship. I have continued to make payments even after being banned from my home due to a fraudulent deed that Rocket Mortgage was informed about. My request is urgent. I need immediate housing and financial stability while I work with law enforcement and the courts to resolve this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Hello, Yes on XXXX XXXX My Vehicle was authorized to be towed on By Ally Financial after informing the company of My bank account being Compromised because my past payments history all would be voided to protect my account. Speaking with a Ally XXXX XXXX informing them of the situation they still proceeded with the repossession of my car XXXX XXXX at XXXX. I Had No intentions on Getting that car out of the Auto pound Due to Consumer Deception that I endured at XXXX XXXX XXXXXXXX XXXX XXXX, My Change of Heart would Take place when I Realized My Deceased Guardian ashes who had Recent Had Gained Her Wings and that urn was the only thing I Had left besides visual memory to Remember her so at this particular time I had no choice but retrieve the car from the pound. XXXX XXXX Does Not Give you a Location of your Vehicle until after 24hrs of having your it Helping the company Gain Financial Funds Because the longer its sit the more you have to pay to get the car out so my car was towed that Monday in the morning.when I went to go and retrieve My car that Tuesday afternoon being the total amount of {$5000.00} I paid it because I wanted the ashes/urn Badly as upon retrieving the Car still on site of the company I quickly Ran back into the office where I was snarled and told that any personal items was in the trunk of the vehicle I Looked again and the and returned to the office stating that the urn was indeed missing I was then told to put a request in online for any missing items I did so and was then contacted Via phone Letting me know that there was nothing the can do and the urn/ashes was not Found and if I wanted to do anything about I needed to take the situation up in up small claims Court, dealing with this car has in fact been one of the worst financial decision 's in my Life. the photos that I would be providing is clear date and time of evidence of the situation at question along with emails and the amount paid for the repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Misleading advertising in my view from Capital one Who constantly sends me the pre approval credit card however I applied and I received a letter saying to send my state Id or drivers license which I dont have I only have my passport at the moment. And per their letter they will not accept that. However, even after I have shared that information with capital one they have continued still sending preapprovals, which at this point the only thing I can think of is that they wanted me to keep applying for something that they know I do not qualify based on the correspondence letter. Which in interview its false advertising so Im gon na ask a better one either approve me or not with the documentation I have provided to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-07-26 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: 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 2025-07-26 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CO

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 non-monetary relief