vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I am filing this complaint against American Express XXXX XXXX  regarding the unjust closure of my American Express XXXX XXXX account ending in XXXX. The account was in good standing at the time of closure. However, American Express abruptly and unilaterally closed it without prior notice, explanation, or justification. 

As a result of this closure, I lost approximately XXXX Membership Rewards points, which I had lawfully earned and which hold significant value ( estimated at XXXX cent per point ). These points were removed from my account without any opportunity for redemption. 

Additionally, I was charged a {$690.00} annual membership fee on XX/XX/year>, for the XXXX XXXX. This fee was paid with the expectation of a full year of card benefits. However, the account was closed prematurely, and no refund of the fee has been provided. 

I have attempted to resolve this issue multiple times through American Express Customer Service. Representatives repeatedly refused to provide an explanation for the closure or assist with recovering my points or fee. I have documentation of these interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX  ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date of Original Dispute : XX/XX/XXXX Company : Experian Account in Question : XXXX ( Account ending in XXXX ) Complaint Description for CFPB : On XX/XX/XXXX, I submitted a formal written dispute to Experian regarding inaccurate and inconsistent information reported on my credit file for account XXXX As of XX/XX/XXXX, I have not received any response from Experian. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires a reinvestigation and written response within 30 calendar days under 15 U.S.C. 1681i. 

The disputed account includes conflicting and misleading information it is marked as Closed with a {$0.00} balance, but also reported as 180 days late and Purchased by Another Lender. These contradictions make the account unverifiable. Key account details such as charge-off date, sale/transfer information, and the current owner are missing. The account also appears to be outdated, showing no activity since XXXX, potentially subject to FCRA 605 ( a ) time limits.

I requested a full reinvestigation, a manual review, and the Method of Verification ( MOV ), including : The name and contact information of the furnisher ( XXXX XXXX  ) Copies of original documentation used to verify the data A description of the verification process Since Experian has failed to respond or verify this account within the required timeframe, I am requesting immediate removal of this account from my credit report in compliance with FCRA.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After reviewing my credit report, I have identified inaccuracies that require immediate correction. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act, you are obligated to ensure maximum accuracy and promptly investigate disputed items.

I formally request : 1. A thorough investigation of the disputed items.

2. Correction or removal of inaccurate or unverifiable information. 

If violations of the FCRA are identified, I expect full compliance and immediate resolution within the legally required time. Please confirm receipt of this dispute and provide updates on the investigation promptly. 


Please remove the following items immediately : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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 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 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 Amount : {$880.00} I would like these items removed and blocked from my credit profile

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
After reviewing my credit report, I have identified inaccuracies that require immediate correction. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act, you are obligated to ensure maximum accuracy and promptly investigate disputed items.

I formally request : 1. A thorough investigation of the disputed items.

2. Correction or removal of inaccurate or unverifiable information. 

If violations of the FCRA are identified, I expect full compliance and immediate resolution within the legally required time. Please confirm receipt of this dispute and provide updates on the investigation promptly. 


Please remove the following items immediately : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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 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 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 Amount : {$880.00} I would like these items removed and blocked from my credit profile

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 2025-06-22 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: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
I received notification via text and email on XX/XX/XXXX that a credit card was opened with my information. I called Barclays credit card company on XX/XX/XXXX and asked them to report the account as fraud. They told me they closed the account and would report it as fraud.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect. I have also disputed this information with you, the CFPB. I am requesting your agency demand this inaccurately reported account be deleted from all three credit reporting agencies. I intend on exercising my rights by communication this negligence to multiple agencies. Thank you for you attention. I have attached the information, regarding this account and it's reporting from all three agencies.

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 2025-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERIS BANCORP
State: FL

Complaint narrative:
XXXX XXXX  company did not renew my insurance policy because they said Ameris XXXX  did not tell them that the flood insurance had been paid. Talked to XXXX and they wanted a new XXXX point inspection which costed me {$100.00}. A storm is brewing in the XXXX XXXX and they wont write a policy then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting multiple charged-off accounts with a balance on my credit report. However, the original creditor ( OC ) is also reporting the same account as charged off with a balance. 

This creates the false appearance of two active debts, negatively affecting my credit profile. Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ) ), credit data must be accurate, non-duplicative, and not misleading. Both entities can not legally report a balance on the same debt once the OC has charged it off and transferred/sold it.

I have asked Portfolio Recovery to provide : A bill of sale Chain of title documentation A copy of the 1099-C issued by the OC Proof of legal ownership of the debt An itemized breakdown of the balance They have failed to provide any of these documents.

What I want : The debt validated with legal documentation ( bill of sale, chain of title, original contract, full accounting ) A 1099-C from the original creditor Either the OC or Portfolio must report a {$0.00} balance, not both If no proof of ownership is provided, Portfolio must delete the tradeline According to the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Information must be accurate and non-misleading 15 U.S. Code 1681e ( b ) : Credit bureaus must ensure maximum possible accuracy Once an account has been charged off and sold, the original creditor must report a {$0.00} balance. The new debt owner ( Portfolio ) may report the debt, but only in the collections section, not as a closed account with an active balance. Reporting both tradelines with a balance inflates my debt-to-income ratio and is deceptive under FCRA and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I respectfully request the following : That the original creditors tradeline be updated to reflect {$0.00} if the debt was sold That Portfolio Recoverys account be moved to the collections section That any duplicate balances be removed to reflect accurate debt ownership Please conduct a full investigation as required under the FCRA and confirm the results in writing within 30 days. I have enclosed a copy of my ID and supporting documents for reference. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: DC

Complaint narrative:
I am writing to formally request full disclosure of all documents and accounting records related to account number to XXXX XXXX # XXXX, as I am the heir-beneficiary and have a vested interest in this matter. Please provide the following : 1.Complete balance sheets ( including Forms 2046, 2049, 2099 ) and any related OMB-numbered documents . 2.Transaction records detailing the application of my promissory note or equivalent financial instrument. 3.Closing and settlement statements showing the extinguishment of any associated debts. 4.Full accounting or ledger for receivables and payables tied to my account. 5.Copies of any trust or escrow activity involving my contributions. 6.Details of any bonds or securities created using my assets. 7.Copies of IRS forms ( e.g., Form 1099 ) and any other tax-related documents. I request these documents under the Privacy Act, FOIA, and principles of Trust Law, and I expect full disclosure as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: DC

Complaint narrative:
I am writing to formally request full disclosure of all documents and accounting records related to account number to XXXX XXXX # XXXX, as I am the heir-beneficiary and have a vested interest in this matter. Please provide the following : 1.Complete balance sheets ( including Forms 2046, 2049, 2099 ) and any related OMB-numbered documents . 2.Transaction records detailing the application of my promissory note or equivalent financial instrument. 3.Closing and settlement statements showing the extinguishment of any associated debts. 4.Full accounting or ledger for receivables and payables tied to my account. 5.Copies of any trust or escrow activity involving my contributions. 6.Details of any bonds or securities created using my assets. 7.Copies of IRS forms ( e.g., Form 1099 ) and any other tax-related documents. I request these documents under the Privacy Act, FOIA, and principles of Trust Law, and I expect full disclosure as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Red White and Blue Autos, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute several negative accounts that are currently being reported on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting a full investigation into the accuracy and validity of the following accounts. These accounts have negatively impacted my credit standing and I believe they are either inaccurate, unverifiable, or being reported without proper legal compliance.

Disputed Accounts Include : ( Include account names, account numbers ( last 4 digits ), and furnishers e.g., XXXX XXXX XXXX XXXX XXXX XXXX. You can list them like this : ) XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX Account opened XX/XX/year> XXXX. XXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX account ending in XXXX  Under 15 U.S. Code 1681i, I am requesting that you initiate a formal investigation into each of these accounts and verify that the information being reported is accurate, complete, and lawful. If any account can not be properly verified within the 30-day timeframe required by law, I respectfully request that it be deleted from my credit report.

Additionally, I was a victim of a data breach, and I have reason to believe that some of these accounts or inquiries may have resulted from unauthorized activity or reporting errors. Please ensure that each of these entries complies fully with the FCRA, including providing written proof of authorization or agreement. 

Enclosed with this letter are copies of my government-issued ID and my most recent credit report, with the disputed accounts highlighted for your reference. 

Please provide a written response to this dispute and send the results of your investigation to the address or email provided above. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: NH

Complaint narrative:
I am filing a formal complaint against Williams Rush & Associates for reporting an inaccurate and unverified debt on my credit file. I have no knowledge of this account, have never entered into any agreement with this company, and have never received services or funds from them. I have no affiliation or prior interaction with this agency, and I categorically state that this debt is not mine.

Despite multiple disputes, Williams Rush & Associates has failed to provide any valid documentation, including any contract bearing my signature, or evidence establishing a contractual obligation on my part. The continued reporting of this debt is misleading, damaging, and in clear violation of my consumer rights.

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I have requested full validation of this debt, which includes : The name and address of the original creditor. 
Account numbers and full breakdown of any amounts claimed. 
A copy of the original signed agreement or contract.

Proof of legal authority to collect debts in my state.

Evidence of the transfer of the debt to Williams Rush & Associates.

As of today, no such proof has been provided. Credit reporting agencies have continued to list the account as verified without any meaningful investigation, despite my repeated efforts to dispute it. This not only reflects a failure to investigate on the part of the credit bureaus but also a violation of my rights under the FCRA. 

Due to the lack of validation, the reporting of this account is false, harmful, and unlawful. I am requesting the CFPBs assistance in requiring the immediate removal of this account from ALL credit bureaus. 

Thank you for your time and assistance in protecting my rights as a consumer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under the FCRA ( 15 U.S. Code 1681 ), furnishers of information ( like creditors or debt collectors ) are required to report accurate information to credit reporting agencies.

1681s-2 ( a ) ( 2 ) : Duty to correct and update information A person who furnishes information to a consumer reporting agency must promptly notify the agency of corrections or updates if the information becomes inaccurate. I sent the company a pay to delete letter and they still reporting the paid account.

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 2025-06-22 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: AZ

Complaint narrative:
I have contacted experian several times involving 4 specific accounts that reached the 7 year window for reporting. Every attempt they report back that they have investigated and found in favor of the companies. XXXX  and XXXX both removed these accounts at the appropriate time. 

Experian, however, has continued to report the accounts months after the scheduled deletion dates as found on the prior reports they allow you to access for previous months and years. Each time I dispute this they " update '' the report pushing the date of 1st delinquency forward by a month or two. From XXXX to XXXX, XXXX to XXXX, XXXX to XXXX etc ... allowing these accounts to be re aged month after month. This information in contained within the historical credit reports. All of these accounts are time barred.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Account Credit Collection Service # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation