vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I am writing to file a formal complaint against American Express regarding a misrepresented promotional offer and the companys subsequent refusal to correct or investigate the issue in good faith. 

In early XX/XX/year>, I applied for an American Express XXXX XXXX after receiving a targeted promotional offer promising XXXX Membership Rewards points upon spending {$15000.00} within three months. However, after activating the card, I discovered that my account had been coded for only XXXX points, despite the terms I had been presented. 

I promptly contacted American Express customer service and later their executive offices to resolve this discrepancy. I was eventually contacted by a representative named XXXX, who stated she was calling from the American Express Executive Offices. During our conversation, she informed me that after conducting a thorough review, she would be unable to amend or honor the original promotion without the exact promotional letter I had received. 

I explained that I no longer had the physical letter or email and asked if she could provide a copy of the promotion American Express had sent me. She refused and stated that I would need to subpoena the bank documents to obtain any such record. Additionally, she refused to provide her last name or any other identifying information, which I found highly unprofessional given that this was a matter under executive review. 

I also note that American Express is advertising a XXXX offer online at this very moment, yet when I requested that the company apply the current publicly-available promotion or otherwise make me whole, they refused to offer that promotion to me or to provide any documentation confirming the promotion they claim was targeted to my account. Despite my repeated requests for transparency and documentation, American Express has provided no resolution, no proof of the promotion they claim I received, and no means to verify their position. The companys refusal to cooperate or provide evidence raises serious concerns about deceptive promotional practices and the integrity of their internal review process. 

I am requesting that your agency investigate American Expresss promotional and complaint-handling practices, particularly as they relate to targeted marketing offers and executive office conduct. I am also requesting that American Express be required to produce a copy of the promotion linked to my account, as well as any internal correspondence or records related to this matter.

Please contact me if additional documentation or details are required. I am happy to provide the account details, timeline, and communications I have retained. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Dispute Resolution Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute of Unauthorized Charge Account Ending in XXXX To Whom It May Concern, I am writing to formally dispute an unauthorized charge of {$460.00}, which posted to my Capital One credit card account ending in XXXX on XX/XX/year>. The transaction appears under the description professional service on my billing statement. 

This charge was made without my authorization, knowledge, or consent. At the time of this transaction, I was XXXX, where I had no physical access to my credit card, account information, or any means of authorizing charges. I did not benefit in any way from this purchase, nor did I provide permission to any individual or entity to act on my behalf. 

As such, I am requesting that Capital One immediately : 1. Investigate and remove the disputed charge of {$460.00} from my account balance ; 2. Reverse any interest or late fees that may have accrued in connection with this unauthorized transaction ; and 3. Issue written confirmation once my account has been corrected and restored to the proper balance. 

This letter serves as my formal written notice under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which protects consumers from fraudulent or unauthorized charges. I am providing this notification within the required timeframe and respectfully request that your investigation be completed promptly, with written acknowledgment of my dispute. 

Should you require supporting documentation verifying my incarceration status or further clarification, please contact me directly at XXXX. 

Thank you for your prompt attention to this matter and for ensuring the integrity of my account. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NJ

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe contain inaccuracies. These items do not accurately reflect my credit history, and I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$880.00}

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Two days ago, I logged into my USAA account and changed my phone number from a Cell Phone to a lan line. They sent me a follow up email notifying me that they received a change and that if I didn't make the change, to reach out to them ; or if I did make the change, then do nothing. 

Then yesterday, I went to use my bank card, but without any notification or consent, they locked all of my accounts and app access because they said " they couldn't link the new number to me so they deemed it fraudulent ''. 

I have spoken with them numerous times today and they will not let me unlock my account, speak with a manager, or do anything " unless I give them a cell phone number so they can verify my account ''.

I informed them multiple times that I don't want to link my cell phone and they have basically said to me that unless " I link a cell phone number to my account, they will not unlock it or let me speak to a manager ''. 

So now I have no access to my bank accounts, my home insurance, my car insurance, my personal loan info or anything else in my account and they keep refusing to help me find an alternative to unlock my account.... basically highjacking all of my money and info.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Ive tried reaching them on several occasions in XXXX and XXXX XXXX times to inform them that I was a victim of identity theft and provided with police report never got a response

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 2025-11-12 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:
Ive tried reaching them on several occasions in XXXX and XXXX two times to inform them that I was a victim of identity theft and provided with police report never got a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and charges on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within XXXX ( XXXX ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. - Please remove this from my credit report. 

XXXX XXXX -I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. - Please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX Current Address : XXXX XXXX XXXX XXXX Date of Birth XXXX  social security number XXXX Email : XXXX Phone NumberXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian Credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at that appears related These accounts have resulted in several fraudulent collections & Charge off accounts appearing on my consumer FICO credit report. I've attached a list of the collections and charge off accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to verify my claim.

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