vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
I opened an Amex Business Platinum Card, which now has a {$890.00} annual fee. One of its key advertised benefits claims that if I use this card to spend {$5000.00} at XXXX, I will receive a {$1000.00} statement credit. 



I have already spent {$3500.00} at XXXX with this Amex card. However, XXXX recently permanently blocked my account ( email, payment info, and address ), which means I can no longer place any orders. 



Based on a recording I have of a call with XXXX customer service, a representative stated that I was permanently banned because I recently " spent too much at XXXX '' ( around {$4000.00} ), which triggered their security concerns. 



The only reason I was making these significant purchases at XXXX was precisely to meet the spending requirement for the promised Amex rebate. Now, just as I am approaching the {$5000.00} threshold, XXXX is prohibiting me from making further purchases. This makes it impossible for me to earn the {$1000.00} statement credit. I strongly suspect XXXX is doing this specifically to prevent me from receiving the credit promised through their partnership with Amex. 



I understand that Amex can not force XXXX to do business with me. However, this is not a random merchant relationship. Amex and XXXX cooperated closely to establish these spending rebate terms as a core, promised benefit for this high-annual-fee card. They are deeply integrated in this promotion. 



My complaint is with American Express. I paid Amex annual fee directly. This fee was paid to gain access to the card 's benefits, including the XXXX statement credit. 

After paying the annual fee, the card benefit further requires me to take significant additional action : spending {$5000.00} at a single designated merchant ( XXXX ). 



I have upheld my end of the agreement. I paid the annual fee to Amex. I then proceeded to follow the benefit 's instructions and completed the majority of the required spending ( {$3500.00} ) at their designated partner. 



The direct result of me trying to use this Amex benefit is that Amex 's partner, XXXX, has banned me because my spending was " too high '' and " suspicious. '' The very behavior that Amex incentivizes is what its own partner is punishing me for. 



This makes it impossible for me to complete the final {$1500.00} of spending to earn the credit. 



American Express can not now claim they have XXXX obligation in this matter. They are the entity that collected my fee. They designed this benefit and chose this partner. When their advertised benefit is made impossible to achieve by their own partner 's policies, Amex is responsible for the failure of their product. They have a duty to provide a remedy, not just state that it is " not their problem. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XX/XX/year> Comenity Bank XXXX. XXXX XXXX XXXX, OH XXXX RE : Formal Reinvestigation Request and Removal of Late Payment Reporting ( Account ending XXXX ) To Whom It May Concern, I am writing to formally dispute and request the immediate removal of the late payment reported for XX/XX/year> on my XXXX XXXX account ending in XXXX. On XX/XX/year>, I called your customer service department and was informed that the reported late payment was not due to a delay on my part, but rather to a system error at Comenity Bank. In particular, my payment was incorrectly returned as a result of this system issuewhich affected several customers, not just myself. 
Your written response in XX/XX/year> failed to acknowledge the bank error, despite the information given to me verbally during my call. I am hereby requesting that you reopen the investigation, review all payment processing logs, call recordings, and provide written documentation regarding the returned payment and the nature of the error.

Attached are copies of my original dispute, your written response, and the relevant credit report excerpt. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a thorough reinvestigation and the prompt removal of the late payment reported for XX/XX/year>, as this error caused by your systemhas severely impacted my credit history and financial wellbeing. 
If a corrected response is not provided in writing within 30 days, I intend to escalate this dispute to the credit reporting agencies, the Consumer Financial Protection Bureau ( CFPB ), and consider further legal action. 
Thank you for your prompt attention and written confirmation of resolution. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX and I came to XXXX in a XXXX XXXX XXXX  and I am on my 1 month of grace period. I bought the Google XXXX XXXX XXXX XXXX XXXX  on the month of XXXX and within 7 months it started showing problems, so I complained about it to the customer service agent who suggested me to replace it which I did I send my device to then on XXXX and received new replace device on XXXX XXXX XXXX which was having problems the moment I unboxed there was a green lines appearing on the screen. So I went to their website and see it says u need to update the software which I did so it was working fine for few days and then it again started showing the same lines and when I open the mobile the inner screen I heated the cracking sound and the left side of the screen want XXXX all of this happened on XXXX XXXX and I was having my flight to my country on XXXX XXXX so I called the customer service agent again and told him everything so he told okay we can do the replacement so I asked him to connect me to the customer service agent in XXXX I am planning to do it in XXXX. After he connects the call to a XXXX Google customer service agent that XXXX customer service agent simply told me that XXXX XXXX bought in XXXX not in XXXX so it will not be repair nor replaced in XXXX u have to do it there. So I cancelled my flight ticket and send to for replacement and on XXXX XXXX I got mail from Google saying that there is a physical damage in the inner screen which is not covered in the warranty for replacement I need to pay XXXX or return my device so I selected return my device the same day morning. And it's been 7 days I am calling them everyday 2 time to check the update on my mobile but they are giving me the same answer everyday higher authority is looking at your case and I have to wait for 24 to 48 hrs.

I am getting the same thing in my email everyday it's been 7 days they have not yet dispatched my mobile even after requesting then and sending them my flight ticket that I have my flight on XXXX XXXX they are not ready to dispatch my mobile. 

I want my mobile back

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 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: MD

Complaint narrative:
My account at XXXX XXXX  through XXXX XXXX was frozen on or about XX/XX/XXXX. I did not notice until XX/XX/XXXX, waiting for my wire to bounce do to accidentally misaddressing it. 

On XX/XX/XXXX, I emailed documents proving the funds were mine and legitimate, something a simple phone call based on the information could verify. A phone call that ultimately wasn't made until XX/XX/XXXX, even though I express mailed and emailed them about the issue as early XX/XX/XXXX. Even after this they still did not release my funds, and via hearsay through the trustee of my family trust, I was told it was being held " for my benefit. '' However, this protection from my benefit was preventing me from using these funds as I intended earning at least XXXX bips / day, and typically XXXX / bips per day leading to real loss of income. 

To this day, I have never been told why the funds were frozen, or why they remained frozen after I shared evidence that they were clean, and legitimately mine to control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX of 2025 I used the service provided to me by PNC called an Access code that grants you permission to your account for deposits and withdrawals. Upon using that service PNC immediately flagged my account and put my funds on hold Ive been trying to get in contact with someone for months who can give me a straight and definitive answer as to whats going on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am showing two inquiries from JP Chase Morgan that are fraudulent. Also there should not be two inquiries from the same company. This is unfair, unethical credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-29 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: IA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$300.00} XXXX XXXX - XX/XX/XXXX - {$180.00} XXXX XXXX  - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed a {$330.00} charge from XXXX XXXX XXXX for merchant misrepresentation and deceptive sales tactics. AmEx denied the dispute without properly evaluating the evidence and removed previously uploaded documentation. When I contacted the dispute department, they refused to reopen the case and stated they can not override the merchants refund policy, which is not a valid basis under federal law for denying a chargeback. 

The merchant used false pricing ( claiming the products retailed for {$700.00} ), fabricated discounts, pressured for immediate payment before consent, and made scientifically impossible claims of permanent wrinkle removal. I have receipts, product photographs, and reviews showing this is a pattern of deception. AmEx did not review these materials before closing the case. 

I am requesting the CFPB instruct American Express to reopen the dispute under merchant misrepresentation, allow submission of evidence, and conduct a proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
After reviewing my credit report, I noticed multiple fraudulent addresses that's connected to this fraudulent account. I disputed and blocked all the addresses now please block and remove this account. They violated my rights under the law 15 usc 1681b permissible purpose. I need these items connected to those addresses blocked from my credit report as soon as possible.Please remove them immediately from my credit file. If no evidence exists, the accounts A copy of the original signed application or contract with my wet signature with my Full name and current address thats being reported on my cred Delete these accounts or provide the evidence to verify these accounts.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXX my credit score was XXXX. In XXXX it was XXXX. Today it is XXXX. Ove the past two months, I have not opened any new accounts or missed any payments. I have accrued any credit card interest in years ; I pay them off in full every month. I don't understand why my credit score has decreased.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, a {$890.00} charge was taken from my account- the merchant on the other end is known as XXXX which was a surprise to me. I immediately called my bank to report this as fraud where the would undergo an investigation and temporarily credit my account the funds that were taken fraudulently. As of XXXX XXXX  I received a letter back from Wells Fargo informing me that they had denied my fraud claim because they came to the conclusion that I authorized the transaction through a digital purchase which is so far from correct. They recommended I reach out to the XXXX for more information and so I did but the representatives over there couldnt help unless I had a XXXX account of which I do not have. Horrible bank, cant believe they would throw such claim back at me and decline my disputed transaction, I will be closing my account with Wells Fargo once I get this situation fully figured out. Upsetting, stressful, and frustrating as {$890.00} makes a big difference in my life.

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 2025-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint due to persistent errors in my Equifax credit file that have not been corrected despite multiple disputes. Specifically, Equifax is reporting an incorrect Social Security Number ( SSN ). My actual SSN is XXXX, but Equifax is still showing XXXX. This is a critical error that puts my identity and credit standing at significant risk. I have submitted several disputes with Equifax regarding this issue, but they have failed to make the necessary correction. This ongoing inaccuracy is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy. Despite my efforts, this error continues to appear on my credit file, and I am deeply disappointed with Equifaxs failure to take appropriate action. Additionally, I am unable to file a new FTC report because the FTC website is currently shut down, further complicating my ability to resolve this matter through other channels.

Company response to consumer: Closed with explanation