vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am writing to dispute the inaccurate and fraudulent personal information currently listed on my Equifax credit file. In accordance with the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, you are required to ensure the maximum possible accuracy of all consumer information and to promptly delete or correct any information that is incomplete, unverifiable, or erroneous. 

Inaccurate Information to Be Deleted : Names listed incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers that are false or inaccurate : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Correct Information to Remain : Legal Name : XXXX XXXX XXXX Current Address : XXXX SOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX  This dispute is supported by my FTC Identity Theft Report ( # XXXX ), which confirms that I am a victim of identity theft and that false information has been added to my credit file. Continuing to report inaccurate or unverifiable data violates federal law. 

If you can not verify the accuracy of the disputed items within 30 days, you are required by law to delete them and provide me with a corrected credit report. Please also provide me with a description of the procedures used in your investigation, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to correct these errors will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and may lead to further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I have been an American Express cardholder since XXXX. On XX/XX/XXXX, I received a personalized email offer from American Express to open a Platinum Card with a welcome bonus of XXXX Membership Rewards points. 

The offer email clearly stated that it was valid until XX/XX/XXXX. However, when I clicked the provided application link on XX/XX/XXXX, the system said the offer had expired. This directly contradicted the expiration date shown in the email. 

I immediately contacted American Express customer service. The representative told me that the only available offer was XXXX points, which is less than half of what was promised in the written email. When I asked them to honor the XXXX offer that I had received and that was still valid per the terms, they refused. 

Why I am filing a complaint : This appears to be a misleading and deceptive promotional practice. American Express sent me a written, personalized offer with specific terms and an expiration date. I attempted to accept the offer well before the expiration date, yet American Express refused to honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried sending, money with XXXX. 
XXXX {$1.00}. To : XXXX XXXX Conf # XXXX & XXXX {$15.00} XXXX XXXX Conf # XXXX I called my bank and they told me the money was transferred to another person and they would try and track the money and get back to me. But, the bank sent me a letter saying, they had completed the evaluation and was unable to approve my claim. XX/XX/year>. 
Claim Number # XXXX XXXX Monday- Friday from XXXX. 
to 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 monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Kohls switched to Capital One. Since they switched i never received the card or any statements. I called every single month to make payments, asked multiple times for copies of the card and statement so I could review and potentially set up an online payment. After XXXX months of being told multiple times they sent it, confirming my address each time, and telling them I never received it I was told they are actually charging a XXXX XXXX interest rate on the card, which I didnt know. After the payment was made for that month I called back to cancel a week later and was treated poorly because I wanted to cancel without paying the full balance off before hand even though I can not confirm no charges had been made as I have not seen a bill and that they are not adding any other charges I am unaware of. No one would offer a settlement to clear the balance or work with me to make sure I can see what is going on with the account, they just talk in circles around you and say " it has been sent ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 



SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Sale of Account Information Dear Whom May It Concern, I am writing to formally dispute the unauthorized sale of my account information to Source Receivables Management by XXXX. This action violates my rights under the Fair Credit Reporting Act ( FCRA ) and is unacceptable. 


Account Name : Sources Receivables MNG Account # : XXXX Violation of Rights 1. Lack of Authorization : XXXX sold my account information without my consent, breaching my privacy rights. Under the FCRA, specifically 15 U.S.C. 1681b, a consumer reporting agency or a furnisher of information must have a permissible purpose for obtaining and using a consumer 's credit information. XXXX did not have my authorization to disclose my account to a third party. 


2. Inaccurate Reporting : By selling my account without my consent, XXXX has reported inaccurate information regarding my credit profile. According to 15 U.S.C. 1681s-2, furnishers of information must ensure that the information they provide to credit reporting agencies is accurate and complete. The unauthorized sale of my account constitutes a failure to uphold this standard. 


3. Failure to Investigate : If I had disputed this information, XXXX would be required under 15 U.S.C. 1681i to conduct a reasonable investigation into my dispute. However, the initial violation of selling my account without authorization undermines any potential investigation. 


Request for Action I request that you investigate this matter promptly. I expect a thorough review of the unauthorized sale of my account information and a correction of any inaccurate information related to this incident. Additionally, I ask for a written response within the 30-day timeframe mandated by the FCRA. 


Please provide me with confirmation of the investigation 's outcome and any corrections made to my credit report as a result. 


Thank you for your immediate attention to this serious matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: LA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-25 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: NJ

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 am reaching out to request the CFPBs assistance in ensuring that the Transunion properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-09-25 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal regarding my recent complaint filed against XXXX XXXX XXXX ( MCM ). While MCM has responded, their submission fails to resolve the inaccuracies I identified in my original complaint. The issues remain unresolved and continue to cause harm to my credit profile. 

1. * * Failure to Provide Proof of Date of First Delinquency ( DOFD ) : * * XXXX has not provided any documentation showing the Date of First Delinquency ( DOFD ) as required under FCRA 605 ( c ). This date is critical in determining the legal reporting period. Without it, the tradeline can not be confirmed as accurately reported. 

2. * * Improper Payment History Reporting : * * Midlands tradeline on Experian is being reported with rolling monthly C notations as if it were an open revolving account. According to Metro 2 reporting standards, a collection account should not display monthly late payments but rather a single derogatory status. This misreporting unfairly damages my credit profile. 

XXXX. * * Inconsistent Balance Information : * * The XXXX statement provided shows a balance of {$1300.00} as of XX/XX/XXXX, yet XXXX reports a balance of {$1800.00} at the time of purchase in XX/XX/XXXX. XXXX has not provided any documentation explaining how this significant increase occurred. This is a material inconsistency. 

XXXX. * * Failure to Provide Chain of Title Documentation : * * XXXX has failed to provide a valid bill of sale or assignment tying my specific account number to their alleged purchase. A few billing statements do not establish that XXXX is the rightful owner or that they are authorized to collect and report this account. 

Because XXXX XXXX XXXX has failed to validate the debt properly and continues to report inaccurate and misleading information, I demand immediate * * deletion * * of this tradeline from my credit file under FCRA 623 ( a ) ( 1 ) ( A ). 

I request the CFPB to reopen this case and require XXXX to either provide legally sufficient validation addressing the issues above or permanently delete this tradeline from all credit reporting 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 explanation
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this rebuttal regarding my recent complaint filed against XXXX XXXX XXXX ( MCM ). While MCM has responded, their submission fails to resolve the inaccuracies I identified in my original complaint. The issues remain unresolved and continue to cause harm to my credit profile. 

1. * * Failure to Provide Proof of Date of First Delinquency ( DOFD ) : * * XXXX has not provided any documentation showing the Date of First Delinquency ( DOFD ) as required under FCRA 605 ( c ). This date is critical in determining the legal reporting period. Without it, the tradeline can not be confirmed as accurately reported. 

2. * * Improper Payment History Reporting : XXXX XXXX XXXX  tradeline on XXXXXXXX is being reported with rolling monthly C notations as if it were an open revolving account. According to Metro 2 reporting standards, a collection account should not display monthly late payments but rather a single derogatory status. This misreporting unfairly damages my credit profile. 3. * * Inconsistent Balance Information : * * The XXXX statement provided shows a balance of {$1300.00} as of XX/XX/XXXX, yet XXXX reports a balance of {$1800.00} at the time of purchase in XX/XX/XXXX. XXXX has not provided any documentation explaining how this significant increase occurred. This is a material inconsistency. 

XXXX. * * Failure to Provide Chain of Title Documentation : * * XXXX has failed to provide a valid bill of sale or assignment tying my specific account number to their alleged purchase. A few billing statements do not establish that XXXX is the rightful owner or that they are authorized to collect and report this account. 

Because XXXX XXXX XXXX has failed to validate the debt properly and continues to report inaccurate and misleading information, I demand immediate * * deletion * * of this tradeline from my credit file under FCRA 623 ( a ) ( 1 ) ( A ). 

I request the CFPB to reopen this case and require XXXX to either provide legally sufficient validation addressing the issues above or permanently delete this tradeline from all credit reporting 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 explanation
Consumer complaint received 2025-09-25 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: NV

Complaint narrative:
Dear Experian 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

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 2025-09-25 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief