vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for the deamination of character. ) XXXX XXXX XXXX XXXXXXXX {$180.00}, XXXX XXXXXXXX XXXX {$200.00}, XXXXXXXX XXXX {$2500.00}, XXXX XXXX XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for the deamination of character. ) XXXX XXXX XXXX XXXXXXXX {$180.00}, XXXX XXXXXXXX XXXX {$200.00}, XXXXXXXX XXXX {$2500.00}, XXXX XXXX XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX XXXX {$0.00},

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 2025-07-08 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I was with XXXX XXXX in XX/XX/XXXX and was in a accident with my XXXX XXXX XXXX, the loan was through credit acceptance and when the vehicle was labeled as totaled through credit acceptance i had gap coverage and root if im not mistaken and they were paying it for about a year and put ut back on my report and the past XXXX  months ive had late payments but the loan was supposed to be waived i got the altima around XX/XX/XXXX and am with 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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have been a loyal Chase customer for over XXXX years, maintaining multiple business accounts and consistently demonstrating responsible financial behavior, including a flawless payment history with no missed or late payments. 

Earlier this year, I was approved for the Chase XXXX XXXX XXXX XXXX ( ending in XXXX ) via their online application. Without warning or sufficient explanation, Chase abruptly closed this account, which I rely on heavily for my business travel with XXXX XXXX. The closure has caused a direct disruption to my operations, as this specific card provides essential travel benefits including access to XXXX XXXX lounges, priority boarding, and additional perks that are key to my frequent travel needs. 

I contacted Chases Executive Office to request a full review and a transparent explanation of the account closure, but I have not received a clear response or a resolution. The lack of communication is extremely frustrating given my long-standing relationship with Chase and my excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : Unlawful Retention of Funds from Expired Amex Reward Card To Whom It May Concern, I am filing this complaint regarding an expired American Express Reward Card issued to me, which had an available balance at the time of expiration. Despite multiple attempts to resolve the matter directly with American Express customer service, I have been refused access to my remaining funds. 

The Amex Reward Card clearly states that while the plastic may expire, the funds do not. Additionally, American Express own website instructs cardholders : If an available balance remains after the Valid Thru date, call XXXX to obtain a replacement card or for instructions on how to redeem the available balance. 

I have followed these instructions, yet American Express representatives continue to deny me a replacement card or alternative means of accessing my funds. 

This practice appears to violate the Credit CARD Act of 2009, which prohibits issuers from expiring funds on prepaid or gift cards before five years.

I am requesting that : 1. American Express immediately reissue a replacement card or provide a refund of the remaining balance. 
XXXX. They confirm in writing that the issue has been resolved. 

Please investigate this matter and take action to ensure that American Express complies with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Card Ending : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase credit card using my legal name and provided accurate information. After fulfilling the spending requirements for the sign-up bonus, Chase unilaterally and harshly closed my account permanently without any prior notice simply because I purchased gold at XXXX. The closure was based solely on a so-called presumption of guilt without identifying any specific violation on my part, and the credit card agreement contains no clause prohibiting the purchase of gold at XXXX. 

This account closure caused me to lose the sign-up bonus I was entitled to and resulted in the unjust revocation of my previously accumulated points, causing me substantial financial loss. Additionally, my credit score was negatively impacted, and I suffered a series of other damages including wasted time and effort in pursuing this dispute. In response to my concerns, Chase merely admitted to erroneously applying the presumption of guilt principle, without providing a reasonable explanation or remedy for the actual closure of my account. 

I believe Chases actions constitute unfair, unreasonable, and deceptive conduct, in clear violation of Section 5531 of the Consumer Financial Protection Act under Title X of the Dodd-Frank Act ( 12 U.S.C. 5531 ), which prohibits unfair, deceptive, or abusive acts or practices. Furthermore, their conduct constitutes breach of contract and bad faith. 

Given these facts, I formally request that Chase restore all revoked points and rewards or provide monetary compensation of equivalent value. I also urge the relevant regulatory authorities to conduct a thorough investigation to prevent such arbitrary and harsh account closures from continuing to harm the legitimate rights and interests of other

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Since I've had the loan my payments have always been on auto pay. Over a year ago I called in to make an additional payment besides my regular payment to lower my balance. Somehow my auto payment was adjusted lower than it was suppose to be, which I was unaware of. A few months go by until I noticed an email from the company stating I have an outstanding balance. I called the company to see what happened since I keep my bill on autopayment. The representative explained to me what happened and told me they would take care of it. The representative adjusted my auto payment back to what is was originally. I asked them was there anything else I needed to do, but was told " no '' everything was taken care of. Sometime goes by when I noticed another email from the company about a balance. When I logged into my account the company has been charging me {$25.00} late fee each month for XXXX  months. {$350.00} in late fee on a {$68.00} balance. None of this was my fault and the company did not lose anything yet the charge consumers excessive late fees and something I had no control of and tried to take care of as soon as I was made aware. Had the employee let me know that my account was not in good standing and required and additional payment I would have done so

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 monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing a debt collection account reported by Portfolio Recovery Associates for {$740.00}. I never received validation of the debt under FDCPA 809 ( a ), and the account continues to be reported as closed but derogatory, without proper verification or documentation. There is no clear evidence that this debt belongs to me or that Portfolio has the legal authority to report or collect it. 

The account is outdated and has not been verified for over XXXX years, yet it continues to appear with negative impact on my credit. This violates both the FDCPA and the Fair Credit Reporting Act 607 ( b ) and 611. I respectfully request the deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-08 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a late payment that was reported by Nelnet on my student loan account in XX/XX/year>. This derogatory mark is inaccurate and unfair due to serious mismanagement by the servicer. 

I was not properly notified of any missed payment, and I had previously used email alerts to manage my account. There was no adequate communication from Nelnet warning me of any issues, nor was I given a reasonable opportunity to correct or address the situation before my credit was negatively impacted. 

I believe my account may have been affected by known servicing issues and disruptions caused by the ongoing problems and mishandling at Nelnet. This includes lapses in account billing, transition errors, and possible technical failures that have affected many borrowers nationwide.

I have contacted Nelnet directly to dispute the negative mark and request a goodwill removal, and was told they are unwilling to assist.

This missed payment has caused a significant drop in my credit score and is now affecting my ability to qualify for essential financial services, including a mortgage. I am requesting that this mark be reviewed and removed from my credit report due to the servicers failure to properly notify, assist, or offer resolution before reporting the delinquency. 

Please help investigate this matter. I would appreciate a full review of the situation and a fair resolution, including removal of the derogatory mark from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I used PayPal to buy XXXX cryptocurrency in XXXX transactions, {$40.00} on XX/XX/XXXX and {$210.00} on XX/XX/XXXX. However, when I tried to sell the crypto near the end of XX/XX/XXXX, I was not able to. When I try to sell, PayPal gives me a prompt to give them additional tax information, but when I click this, I get sent to a blank white screen. ( This issue appears when using the mobile app, website, and desktop ) I contacted PayPal about this twice, once on XX/XX/XXXX and again on XX/XX/XXXX. After the first call, I was messaged by support ( pictured ), but when I tried to reply back one day later, the conversation had closed. On the second call, I was told that there was no set date this would be fixed and that I would have to wait. I feel that my issue isnt being prioritized as it still persists on XX/XX/XXXX, and I have still not heard back from PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
The following accounts and inquiries appeared on my credit report as a result of identity theft and unauthorized use of my Social Security number. I did not apply for, authorize, or have any knowledge of these accounts : XXXX XXXX XXXX XXXX Additionally, I did not authorize the following hard inquiries : XXXX XX/XX/XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX addresses have also been reported under my credit profile that are not connected to me in any way. 

These items are violations under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c2, which mandates removal or blocking of information resulting from identity theft.

15 U.S. Code 1681b, which prohibits access to a credit report without a permissible purpose or consumer consent. 

To date, no party has provided verification or proof of a valid debt or authorization. This lack of response constitutes estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715 ( Mo. 1926 ) ).

If these items are not removed within a reasonable time, I am prepared to pursue formal legal action to protect my rights under federal law, including filing complaints with the CFPB, FTC, and initiating a civil claim for damages under 15 U.S. Code 1681n and 1681o.

This serves as a final opportunity to resolve the matter without litigation. 

Let me know if youd like this adapted into a formal letter format or if you need help preparing documentation for a lawsuit or regulatory complaint. 



You said : What would be a fair resolution to this issue? 
Well forward this to the companies involved. Be specific so they know what resolution you are looking for. The company may or may not offer to resolve your complaint. 

XXXX said : Heres a clear and specific response you can use that outlines a fair and lawful resolution : A fair resolution would include : Immediate removal of all fraudulent accounts from my credit file, including : XXXX XXXX XXXX XXXX Deletion of all unauthorized credit inquiries, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Correction of personal information, specifically the removal of inaccurate addresses not associated with me. 

Written confirmation from the company and/or credit bureaus that these items have been deleted or blocked under 15 U.S. Code 1681c2. 

If applicable, compensation for any damages caused by the reporting of this inaccurate information, including lost credit opportunities, emotional distress, or time spent resolving the issue.

Company response to consumer: Closed with non-monetary relief