vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
Issue : Credit card company refused to issue refund for unused travel service despite airline approval. 

What happened : I booked a flight from XXXX ( XXXX ) to XXXX to XXXX using my American Express card through the Amex Travel portal ( approx. {$1200.00} ), including Wi-Fi and baggage fees.

At the airport, I was denied boarding because my U.S. passport was expired and I didnt have a stamped XXXX XXXX for transit through XXXX XXXX even though I have XXXX citizenship and a valid XXXX approval ). This transit visa requirement was never disclosed on the Amex Travel booking portal. 

The airline ( XXXX XXXX ) informed me that I was eligible for a full refund and started processing it but then stopped when they saw the booking was through Amex Travel. They instructed me to contact Amex for the refund.

When I contacted Amex Travel, I was told I could only receive flight credit, not a refund. I reluctantly accepted flight credit under pressure, as I was told I would lose the entire amount if I was marked a no-show. Additionally, Amex did not issue Membership Rewards points for this transaction. 

Later, I had to rebook the exact same flight at full cost using the same Amex card because the return leg was canceled by Amex without my consent. I asked Amex to apply the original flight credit to this new booking ( same airline, same route ), but they refused. 

I ended up paying twice for the same ticket while losing the refund and points. 

What would be a fair resolution : A full refund to my American Express card for the original unused ticket OR Apply the flight credit to the amount I paid for the identical rebooked flight, and reinstate the missing Amex points. 

Company name : American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I called to dispute XXXX charges totalling less than {$20.00}. The customer service person could not speak English plain enough for me to understand. I ask for someone in XXXX or XXXX. I was transferred to a worse speaking person, I asked for someone else again. Again, the next person even spoke worse English. Frustrated with the situation, I commenced to explain my disputes. The person told me that he would read the disputes back to me. When he did, he listed nearly XXXX transactions. I attempted to stop them from doing that. They actually disputed each and every transaction in around the last XXXX  days. They canceled things such as vehicle, utility & insurance payments. Today being XXXX. XXXX, nearly {$3000.00} has been put back into my account and in XXXX days my account will be closed. I have a Social Security check that is deposited into this account. Many of the places are charging me fees for the payment reversals. I feel as if this was done because I could not understand them. Why would a XXXXXXXX XXXX business not use plain XXXX speaking people for Customer Service? Or at least have a few to take calls?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Equifax is reporting multiple erroneous charge-offs that are contributing to an unfair representation of my credit history. XXXX XXXX for {$22000.00} ( account starting XXXX )XXXX XXXX XXXX under account XXXX with a {$0.00} balance, and a XXXX  XXXX account XXXX showing {$2800.00} are all listed as derogatory. These entries appear to be inaccurate and potentially duplicated or compromised. Ive never been notified of these alleged debts, and they have not been substantiated with supporting documents. The fact that these items are reported with inconsistent balances and statuses further confirms that they likely stem from a breach or a data processing error. Equifax is required to ensure the accuracy and integrity of the data they report under 15 USC 1681e ( b ), and they have clearly failed in this duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-01 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$7600.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Balance {$7600.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX  XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXX  XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$1200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$90.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$3700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$2400.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$520.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$480.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$290.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$280.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX 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 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
I received a letter from an unknown bank, M & T bank, saying they are the alleged new servicer. I have not received any communication from the previous alleged servicer XXXX XXXX. Now I am getting numerous phone calls and mailings using my private intellectual property regarding the alleged mortgage, without my consent. list of calls and XXXX XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> XXXX, XX/XX/year> 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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Provide proper documentation as requested in the following Declaration, I will require at least XXXX  days to investigate this information and during such time all collection activity must cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Subject : URGENT FOLLOW-UP Failure to Acknowledge or Respond to Formal Complaint & Credit Dispute Filing Re : Apple Card / Goldman Sachs Bank USA Credit Denial Dispute Dear CFPB Representative , This letter is being sent as a formal follow-up to a complaint and dispute notice previously submitted to your office concerning a wrongful credit denial issued by Goldman Sachs Bank USA in connection with the Apple Card. Despite providing full documentation outlining my status as the secured party creditor ( XXXX Ref # XXXX ) and demanding lawful redress under federal and consumer protection laws, I have yet to receive acknowledgment or response. 

This failure to act violates my rights under : XXXX XXXX Code XXXX - Reinvestigation of Disputed Information XXXX XXXX Code XXXX - Equal Credit Opportunity Act XXXX XXXX Code XXXX - CFPB supervisory and enforcement authority Furthermore, my initial application was evaluated using my SSN rather than my secured party reference, which misrepresents my legal and financial standing as a private, non-commercial entity operating under trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I contacted them for verification and how they obtained the information. As you can see from the attachments the item has been charged offed on several different months and showing a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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 contacted them for verification and how they obtained the information. As you can see from the attachments the item has been charged offed on several different months and showing a balance

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 2025-05-01 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Details of the Issue : The account in question has been reported on my credit report, but I did not authorize or recognize this account. 
The reporting agency and the creditor have failed to provide any investigation details, including the original contract, the date of account opening, or any supporting documentation. 
As of today, the account has not been removed or corrected on my credit report, despite my repeated requests. 
The account appears inconsistently across my three credit reports, indicating possible discrepancies or errors. 
I have requested proof that this account is mine, but the creditor and reporting agency have refused to provide any verification or explanation. 
The account is false and should be deleted from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

What I Have Done : Disputed the account directly with the credit bureaus multiple times. 
Requested validation and proof of the accounts validity from the creditor. 
Received no satisfactory response or explanation regarding the investigation or the status of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased a ticket for the wrong date and got XXXX credit as a refund and was told I could send evidence to Affirm to cancel payment plan but they haven't disputed it on their end despite me sending evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-05-01 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Dear MIDLAND CREDIT MANAGEMENT INC / Sir/Madam, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have XXXX  days to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( XXXX v. XXXX ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-01 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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: NE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief