vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am filing this complaint regarding a retention offer made to me by American Express on my XXXX XXXX, which carries a {$690.00} annual fee. 

In XX/XX/year>, I agreed to keep the card open for another year in exchange for a retention bonus of XXXX Membership Rewards points, contingent upon spending {$3000.00} within 812 weeks after accepting the offer. 

I met the spending requirement on XX/XX/year>. However, as of today ( XX/XX/year> ), the promised bonus has not been credited to my account. 

I followed up with AMEX on XX/XX/XXXX, XXXXmore than 12 weeks after completing the spendand they confirmed that I had met the spending requirement in time. They opened a case and said it could take up to 30 days to resolve.

That 30-day window has since passed. I followed up again, but AMEX continues to state that the issue is still being investigated, providing no resolution or estimated timeline. Ive contacted customer service multiple times but have only received vague reassurances with no progress.

I believe this constitutes a failure to honor a promotional offer, and Im requesting that the CFPB intervene so that American Express fulfills their end of the agreement.

I have documented all statements and screenshots confirming the offer, my timely spend, and AMEXs acknowledgment that I fulfilled the terms.

I am seeking : Immediate crediting of the XXXX Membership Rewards points A written explanation of the delay Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 regularly monitor my credit report because my credit score is important to me, yet I continue to see inaccurate and false information that has not been corrected despite multiple attempts to address it. This ongoing issue is incredibly stressful and exhausting, and its unfairly damaging both my credit score and 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 non-monetary relief
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-24 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: NY

Complaint narrative:
I am demanding the full deletion of this XXXX XXXX XXXX XXXX  XXXX account from all credit bureaus due to repeated and serious violations of the Fair Credit Reporting Act ( FCRA ). The reporting on this account is not only inaccurate but also misleading and deliberately punitive. 
1. Illegal Repeated Charge-Off Reporting ( FCRA 623 ( a ) ( 5 ) ) This account has been marked as charged off every single month for nearly two consecutive years after it was already written off and closed. This is not just inaccurate. It is unlawful. Once a charge-off is reported, it may not be repeatedly listed as a new derogatory event. This practice artificially damages my credit score and violates both the FCRA and the Credit Reporting Resource Guide ( CRRG ) issued by the CDIA.

A charge-off is a one-time event. Not a monthly punishment.

2. Inaccurate Past-Due Balance After Write-Off ( FCRA 607 ( b ), 611 ) The status shows the account was written off at {$1500.00}, yet its still being reported as {$1400.00} past due as of XX/XX/year>, despite being closed and charged off. This is false. You can not write off a balance and simultaneously report it as past due. This misrepresents the actual legal status of the debt and violates the FCRAs requirement for complete and accurate reporting.

3. Illegal Reaging of Delinquency Each monthly charge-off entry reages the delinquency, making the account appear more recent than it is. This tactic extends the damage to my credit and is a violation of FCRA 605 ( c ). It manipulates the date of first delinquency and misleads scoring models, lenders, and underwriters.

4. Failure to Validate Debt or Correct Errors After Dispute ( FCRA 611, 623 ( b ) ) I previously submitted a dispute and requested full validation of the debt, including a breakdown of how the amount due is being calculated and justification for monthly charge-off entries. The furnisher has failed to provide verification and has not corrected or removed any of the disputed data. This is a clear violation of their duties under FCRA 611 and 623 ( b ).

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am demanding the full deletion of this XXXX XXXX XXXX XXXX  XXXX account from all credit bureaus due to repeated and serious violations of the Fair Credit Reporting Act ( FCRA ). The reporting on this account is not only inaccurate but also misleading and deliberately punitive. 
1. Illegal Repeated Charge-Off Reporting ( FCRA 623 ( a ) ( 5 ) ) This account has been marked as charged off every single month for nearly two consecutive years after it was already written off and closed. This is not just inaccurate. It is unlawful. Once a charge-off is reported, it may not be repeatedly listed as a new derogatory event. This practice artificially damages my credit score and violates both the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) issued by the XXXX. 
A charge-off is a one-time event. Not a monthly punishment. 
2. Inaccurate Past-Due Balance After Write-Off ( FCRA 607 ( b ), 611 ) The status shows the account was written off at {$1500.00}, yet its still being reported as {$1400.00} past due as of XX/XX/year>, despite being closed and charged off. This is false. You can not write off a balance and simultaneously report it as past due. This misrepresents the actual legal status of the debt and violates the FCRAs requirement for complete and accurate reporting. 
3. Illegal Reaging of Delinquency Each monthly charge-off entry reages the delinquency, making the account appear more recent than it is. This tactic extends the damage to my credit and is a violation of FCRA 605 ( c ). It manipulates the date of first delinquency and misleads scoring models, lenders, and underwriters. 
4. Failure to Validate Debt or Correct Errors After Dispute ( FCRA 611, 623 ( b ) ) I previously submitted a dispute and requested full validation of the debt, including a breakdown of how the amount due is being calculated and justification for monthly charge-off entries. The furnisher has failed to provide verification and has not corrected or removed any of the disputed data. This is a clear violation of their duties under FCRA 611 and 623 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I am demanding the full deletion of this XXXX XXXX XXXX XXXX  XXXX account from all credit bureaus due to repeated and serious violations of the Fair Credit Reporting Act ( FCRA ). The reporting on this account is not only inaccurate but also misleading and deliberately punitive. 
1. Illegal Repeated Charge-Off Reporting ( FCRA 623 ( a ) ( 5 ) ) This account has been marked as charged off every single month for nearly two consecutive years after it was already written off and closed. This is not just inaccurate. It is unlawful. Once a charge-off is reported, it may not be repeatedly listed as a new derogatory event. This practice artificially damages my credit score and violates both the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) issued by the XXXX. 
A charge-off is a one-time event. Not a monthly punishment. 
2. Inaccurate Past-Due Balance After Write-Off ( FCRA 607 ( b ), 611 ) The status shows the account was written off at {$1500.00}, yet its still being reported as {$1400.00} past due as of XX/XX/year>, despite being closed and charged off. This is false. You can not write off a balance and simultaneously report it as past due. This misrepresents the actual legal status of the debt and violates the FCRAs requirement for complete and accurate reporting. 
3. Illegal Reaging of Delinquency Each monthly charge-off entry reages the delinquency, making the account appear more recent than it is. This tactic extends the damage to my credit and is a violation of FCRA 605 ( c ). It manipulates the date of first delinquency and misleads scoring models, lenders, and underwriters. 
4. Failure to Validate Debt or Correct Errors After Dispute ( FCRA 611, 623 ( b ) ) I previously submitted a dispute and requested full validation of the debt, including a breakdown of how the amount due is being calculated and justification for monthly charge-off entries. The furnisher has failed to provide verification and has not corrected or removed any of the disputed data. This is a clear violation of their duties under FCRA 611 and 623 ( b ).

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collections To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim {$170.00} balance. 
I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 
I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-24 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: LEXISNEXIS
State: CT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: ID Analytics, Inc.
State: OK

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since XXXX XXXX, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account is fully paid but severe late payments still appear, which caused a declined application. Please update payment history to show paid as agreed or remove late payments. Dispute is open with CFPB supporting docs available. 

CFPB ; I am submitting this complaint regarding multiple late payments reported on my credit report by XXXX XXXX, relating to account numbers XXXX and XXXX XXXX with account number ending XXXX. 

I have already disputed these late payments directly with Transunion and XXXX  XXXX but have not received a reasonable investigation or correction within the legally required timeframe. 

I believe these late payments are inaccurate because I was in a forbearance/hardship plan and payments should not have been reported late. 

I have attached supporting documents, including : Copies of my dispute letters Proof of payments and statements showing on-time payments I am requesting that the CFPB require Transunion to conduct a fair investigation and : Correct them to reflect on-time payment history as shown in my evidence. 

This inaccurate reporting is negatively impacting my credit profile and causing financial harm. I would appreciate your help in resolving this matter promptly.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-24 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: CO

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am demanding the full deletion of this Apple Card GS Bank USA account from all credit bureaus due to repeated and serious violations of the Fair Credit Reporting Act ( FCRA ). The reporting on this account is not only inaccurate but also misleading and deliberately punitive. 
1. Illegal Repeated Charge-Off Reporting ( FCRA 623 ( a ) ( 5 ) ) This account has been marked as charged off every single month for nearly two consecutive years after it was already written off and closed. This is not just inaccurate. It is unlawful. Once a charge-off is reported, it may not be repeatedly listed as a new derogatory event. This practice artificially damages my credit score and violates both the FCRA and the XXXX XXXX XXXX XXXX ( XXXX ) issued by the XXXX. 
A charge-off is a one-time event. Not a monthly punishment. 
2. Inaccurate Past-Due Balance After Write-Off ( FCRA 607 ( b ), 611 ) The status shows the account was written off at {$1500.00}, yet its still being reported as {$1400.00} past due as of XX/XX/year>, despite being closed and charged off. This is false. You can not write off a balance and simultaneously report it as past due. This misrepresents the actual legal status of the debt and violates the FCRAs requirement for complete and accurate reporting. 
3. Illegal Reaging of Delinquency Each monthly charge-off entry reages the delinquency, making the account appear more recent than it is. This tactic extends the damage to my credit and is a violation of FCRA 605 ( c ). It manipulates the date of first delinquency and misleads scoring models, lenders, and underwriters. 
4. Failure to Validate Debt or Correct Errors After Dispute ( FCRA 611, 623 ( b ) ) I previously submitted a dispute and requested full validation of the debt, including a breakdown of how the amount due is being calculated and justification for monthly charge-off entries. The furnisher has failed to provide verification and has not corrected or removed any of the disputed data. This is a clear violation of their duties under FCRA 611 and 623 ( b ).

Company response to consumer: Closed with non-monetary relief