vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Crow Creek Sioux Tribe
State: AL

Complaint narrative:
This company has been contacting my family and discussing my debt, even though they have my current contact information. They have also threatened to contact my work. They contacted my family as recently as today and discussed my debt amount and my personal details.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I erroneously transferred XXXX points to XXXX XXXX XXXX program on XX/XX/25 with the intention of booking XXXX XXXX flight since they are part of the XXXX XXXX XXXX XXXX is also part of the XXXX XXXX ). I quickly realized that XXXX XXXX would not take XXXX XXXX XXXX points and XXXX did not offer compatible flights. I immediately called American Express XXXX to reverse the point transfer. 

Since it was the first point transfer I have ever made and it was an obvious error I was immediately granted the point reversal transfer by American Express and told that XXXX would have to approve to finalize the points transfer back into my Amex XXXX account. 

Fast forward to XXXX I followup with XXXX XXXX XXXX XXXX XXXX XXXX who informed me that they have no way approving the point reversal from their end. This is rather confusing considering I was told that the hold up was on XXXX 's end. 

I then called XXXX American Express XXXX of customer service who stated that they are still working with XXXX to have to points reversed back into their system. I informed XXXX that is had been 11 days of waiting and XXXX stated that due to the holiday they are " backed up and to have patience. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a medical collection reported by XXXX XXXX XXXX  with Experian. The dispute was submitted on XX/XX/year> ( approx. ), and Experian responded shortly after stating the account was verified as accurate. No documentation was provided to support this verification. 

This is a medical account, and neither Experian nor the furnisher has provided any itemized bill, dates of service, proof of HIPAA-compliant authorization, or any documentation showing I am financially responsible for these charges. Experian appears to have relied on an automated e-OSCAR response instead of obtaining actual account-level documents, which does not meet the requirements of a reasonable reinvestigation under the FCRA. 

I also sent a follow-up request for the Method of Verification because the initial dispute did not include any evidence showing how the account was verified. The furnisher has also not provided any validation or proof of the debt. 

I am requesting that Experian and the furnisher provide full documentation supporting the accuracy of this medical collection or remove the account if they can not validate it with proper medical billing records.

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 2025-12-04 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: SC

Complaint narrative:
Somebody committed fraudulent loans against me Hard Inquiring are XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, ( Fraud Accounts ) These are on my XXXX Account XXXX XXXXXXXX XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXXXXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00},. These are on my ( XXXX  account Fraud loans ) XXXX XXXX XX/XX/XXXX ID addresses XXXX, XXXX  XXXX XX/XX/XXXX ID address XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX ID address XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX ID address XXXX XXXX, XXXX XXXX XX/XX/XXXX ID address XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX ID address XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am submitting this complaint because Experian is reporting an inaccurate, unverified, and unproven collection account on my credit report. This is my first dispute regarding this account, and I am demanding a full and meaningful investigation as required by federal law. 

Collection Account in Dispute : Credence Resource Management Account Number : XXXX Amount : {$510.00} Date Opened : XX/XX/XXXX Experian has reported this account without providing any valid proof or documentation showing that this debt belongs to me. I have never received any : Signed contract, Original agreement, Billing statements, Application, Or legally acceptable evidence tying me to this alleged account. 

Because of this, Experian is currently violating the following federal laws : Violations of Federal Law FCRA 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy. Reporting an account that can not be verified violates this requirement.

FCRA 15 U.S.C. 1681i ( Section 611 ) Failure to conduct a meaningful reinvestigation. Experian must verify this account with competent evidence, not automated or superficial checks.

FCRA 15 U.S.C. 1681g I am entitled to all information in my file, including the complete method of verification. 

FCRA 15 U.S.C. 1681b No permissible purpose exists to continue reporting an account that can not be validated as mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX ) Credit bureaus are required to conduct meaningful investigations, not rely on automated responses or unverifiable data. 

Requested Action Because this account is unverified, inaccurate, and lacking any legally acceptable proof, I am demanding the following : Immediate deletion of the Credence Resource Management account from my Experian credit report. 

A detailed explanation of the investigation performed. 

Full documentation used for verification ( if any exists ). 

The complete method of verification as required under the FCRA. 

This inaccurate collection is harming my creditworthiness and violates my rights under federal law. I expect full compliance within the legally required timeframe.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2025 I went to court with Bank of America, I admitted to owning the debit of $ XXXXThe lady who represent BOA said someone would contact me to set up payments. I never received any calls, emails, or letters in the mail. XX/XX/2025 B.O.A put a levie on my bank account. I received a letter in the mail saying my wages would be garnished with another court date. XXXX XXXX {$690.00} was taken out with a {$8200.00} pending. I have tried calling their lawyers many times since XXXX with no returned calls.

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 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously submitted disputes about multiple inaccuracies, obsolete information, and unverifiable accounts on my credit report. Despite my prior disputes, my name continues to be incorrectly listed as XXXX XXXX XXXX and XXXX XXXX, and my addresses remain outdated or incorrect at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX. The report still lists a charge-off from XXXX Bank XXXX XXXX Acct : XXXX, Balance : {$1300.00} ) and a collection account from XXXX XXXX  XXXX Acct : XXXX, Balance : {$2300.00} ), both of which may contain inaccurate balances, dates of first delinquency, and account status. Additionally, the unauthorized inquiry from XXXX dated XX/XX/year> remains on my report. These errors continue to violate FCRA 605, 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and FDCPA 807, 808, and DCPA 809, and are still negatively impacting my creditworthiness and ability to obtain fair credit.

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 2025-12-04 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: AR

Complaint narrative:
I am following up regarding previously submitted disputes about multiple inaccuracies, obsolete information, and unverifiable accounts on my credit report. Despite my prior disputes, my name continues to be incorrectly listed as XXXX XXXX XXXX and XXXX XXXX, and my addresses remain outdated or incorrect at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX. The report still lists a charge-off from XXXX Bank XXXX XXXX Acct : XXXX, Balance : {$1300.00} ) and a collection account from XXXX XXXX  XXXX Acct : XXXX, Balance : {$2300.00} ), both of which may contain inaccurate balances, dates of first delinquency, and account status. Additionally, the unauthorized inquiry from XXXX dated XX/XX/year> remains on my report. These errors continue to violate FCRA 605, 605 ( c ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and FDCPA 807, 808, and DCPA 809, and are still negatively impacting my creditworthiness and ability to obtain fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: VI

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of my attempts to remove these unauthorized inquiries. Please remove immediately.

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 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am filing a formal complaint regarding Chase Banks handling of an issue involving a XXXX XXXX transaction I attempted to dispute. When I requested assistance, I was told that because the transaction was a XXXX XXXX transaction, Chase can not do anything, and I was advised to speak to the merchant or contact the local police department. 

This advice was inappropriate and not aligned with the nature of the issue. This situation involves a school refusing to issue a refund connected to a disability-related accommodation under the ADA and Section 504. My daughter is currently XXXX XXXX XXXX XXXX XXXX XXXX, and I do not have access to her belongings. The school had already granted me an extension for returning school-issued items due to this disability-related barrier, but is now refusing to process the refund and has stopped responding to communication. 

This is not a criminal matter, and directing me to contact local law enforcement for a civil refund dispute involving an ADA accommodation issue was entirely inappropriate. I contacted Chase because the merchant is refusing to cooperate, and I expected to be informed of the banks available procedures for addressing ACH transactions. 

Additionally, Chase did not offer any of the alternative support options typically available for ACH issues, including : ACH inquiry or investigation ACH recall attempt Communication with the receiving bank Guidance under NACHA rules Written explanation of available options I was also not provided written notice of refusal at the time, despite being told verbally that no dispute could be filed. Chases handling did not follow standard support procedures for ACH-originated disputes, did not offer accurate guidance, and left me with no clear path forward. 

I am requesting : A full review of how my case was handled, A written explanation clarifying my rights and Chases responsibilities regarding XXXX XXXX transactions, Confirmation of which ACH inquiry or recall options were available and why they were not offered, Corrective action regarding inappropriate directions to involve law enforcement in a civil refund matter, and Reconsideration of whether Chase can assist by initiating an ACH inquiry or merchant-bank communication. 

Thank you for your attention to this matter. I look forward to a prompt written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEAR Agency, Under Section 15 U.S.C. 1681i and 1681s-2 ( b ) of the Fair Credit Reporting act i am exercising my legal right to dispute inaccurate information contained and reported in my credit file by lenders listed below reporting false information... I have already requested by calling directly for the fraud alerts that was placed on my credit report at the beginning of this year 2025 be removed as it is affecting my business relations and financing tremendously. I have consulted with multiple banks whom all pointed out that the fraud alert on my credit report makes me a " risky lender '' and it is putting an heavy impact on my business and its funding. The original fraud alert that was placed was never asked of you to be placed on my report as i have taken other measures to protect myself and have since then resolved the incident. Please remove any fraud alerts from my credit report and i also demand that the inquiries that was added to my report after being told by both banks that only an soft pull will be added to my credit report after consulting with bankers to see if the fraud alert showed on their end as well and prevented me from receiving the funding needed. These bankers did not at all inform me that they were performing an hard pull to my credit report and because of this misleading action i request that these few inquires be removed immediately. I will provide below the names of the inquiries stated alongside my documentation and personal info to make the process faster. Please act as soon as possible as this inaccurate information is affecting me tremendously, Thanks. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  INQUIRY XXXX XXXX  XX/XX/year> INQUIRY XXXX XXXX  XX/XX/year> INQUIRY Remove FCRA FRAUD ALERT from credit file and CORRECT outdated information and updating my current Cell number to XXXX and XXXX as my work number. Please correct these inaccuracies as soon as possible thank you!!

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 2025-12-04 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:
I am filing this complaint against TransUnion and XXXX XXXX XXXX for knowingly reporting and maintaining false, unverified late payments on my mortgage account ( XXXX XXXX XXXX XXXX ) for the months XXXX and XXXX. Despite multiple disputesincluding a second and final follow-upTransUnion has failed to provide any documentation, proof, or verification, nor has it corrected the inaccurate entries, directly violating FCRA 1681i ( failure to reasonably reinvestigate ) and 1681s-2 ( furnishing information known to be inaccurate ). The account is being reported with repeated late payments even though TransUnion can not produce any evidence, making the data unverifiable and legally required to be deleted. TransUnions refusal to comply with its statutory duties is causing ongoing harm to my credit profile and constitutes negligent and willful noncompliance.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I made a payment via AMEX app of {$700.00} on my XXXX AMEX account ending in XXXX, which was not due until XX/XX/year>. The minimum due was {$610.00} and my balance after payment was {$180000.00}. I supposedly did not have a credit limit BUT had to verify ( before using the card ) my 'Spending Power ' ( aka Spending Limit , which was {$22000.00}. 

On XX/XX/year>, 3 Days after making the payment, I received an email stating that a credit limit was applied to my account in the amount of {$13000.00}, which now shows that I'm over the limit in the amount of {$4900.00}, with the following statement in the app " Your balance is above your present spending limit. Making a payment today will help prevent any disruption to your spending. '' On the same day at XXXX XXXX, I called AMEX XXXX XXXX ) XXXX to speak to them about the unexpected credit limit change. I finally spoke with a rep and explained the concern and asked why was my credit limit changed and why AFTER I just made a payment. The rep responded, " The decision to change your credit limit was made because your balance was too high and the payments inadequate based on the high balance. I stated that I pay either the minimum required or higher each month, so if there was an issue with the monthly minimum I was paying, then why didn't they raise the amount of the minimum required. The rep was not able to provide a reasonable or logical response to that question. She stated that she was the after hours rep and I would need to call back during business hours for more details. She also offered me the option of requesting a credit limit appeal, and I asked what would be required for that appeal. She stated I would need to verify my employment with paystub verification, BUT the way they wanted to verify was for me to provide them with 3 months worth of my bank statements. I told her if you need proof of my job, then 3 months of paystubs would be legitimate, so why are you asking to see details regarding my bank account. Once again, she could not provide further details WHY bank statement was required vs proof of paystubs. I found this to be extremely unethical approach and did not provide them with any bank details nor responded to the appeal. 

Each month I would pay either the minimum due or more, prior to due date. I had not been using the card, except for low cost items, including items that the credit card would provide a reward ( credit ) based on the credit card perks. The new credit limit applied to my account negatively affected my credit, in which AMEX should be liable to CLEARLY the justification for the credit limit change and HOW they handle the process. There was clear intent to " bully '' me into paying down the balance, with that unethical approach and they should be addressed by government agencies to correct their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am a 100 % VA-rated, XXXX XXXX  veteran who was on XXXX  orders in XXXX when I brought my XXXX XXXX XXXX to the same authorized Infiniti dealer three times ( 40,445 ; 53,980 ; and 56,016 miles ) for XXXX  transmission problems under the original manufacturer warranty. The dealer repeatedly failed to fully diagnose or repair the internal XXXX defect, providing only partial repairs. Those partial repairs allowed an already degraded XXXX to remain latently defective and progressively worsen, creating a serious safety hazard due to the risk of sudden loss of power while driving. 

In XXXX the same Infinity dealer again misdiagnosed the continuing problem despite clear symptoms and known XXXX  issues for this model year. The transmission finally failed completely in XXXX, resulting in sudden loss of power while driving, because the original in-warranty defect was never properly repaired a pattern consistent with the latent XXXX  defects documented in the XXXX v. XXXX settlement for XXXX XXXX vehicles. 

Infiniti denied warranty coverage based solely on current age/mileage, ignoring federal continuing-defect rules. XXXX  XXXX XXXX  ( Case XXXX ) also refused required XXXX arbitration access and admitted in writing ( see attached XX/XX/XXXX letter ) that it does not evaluate claims under the continuing defect doctrine or other federal legal theories. Full 52-page evidence package attached ( repair records, XXXX  correspondence, XXXX excerpts ). I have been left with approximately {$9000.00} in repair costs for an unresolved in-warranty defect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I disputed charges against a company, they credited my account before finishing the investigation, 3 days later they froze my account with all my money, and said there closing my account and when there investigation is done they will mail me a check, {$2000.00}, I get XXXX, I cant pay rent, they were rude, no explanation, and my credits from my dispute are less that {$800.00} so the rest of the money is mine, I owe them nothing, I cant wait for them to close my account which I also have direct deposit from social security with them, I dont understand why they wont give me my money, my XXXX XXXX XXXX XXXX  and myself will be evicted and homeless, if this is not resolved immediately

Company response to consumer: Closed with explanation