vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

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 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 2025-12-03 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: CA

Complaint narrative:
I am filing a complaint against American Express regarding its failure to award a promised promotional bonus and its ongoing lack of resolution despite multiple attempts to follow up. 

In XX/XX/year>, I upgraded from the Hilton Honors ( no-annual-fee ) card to the Hilton Honors American Express Surpass Card , which carries a {$150.00} annual fee. At the time of the upgrade, American Express was advertising a promotion offering XXXX Hilton Honors bonus points after spending {$3000.00} within 3 months. 

I met the spend requirement in XX/XX/year>, well within the promotional window. Despite fulfilling all terms, the bonus points were never awarded. 

Timeline of Attempts to Resolve the Issue : XX/XX/year> ( XXXX AM ) : I called American Express customer service to report that the bonus points had not posted. A representative told me a case would be opened. 

XX/XX/year> ( XXXXXXXX XXXX ) : I called again to check the status. I was informed that no case was on file. I insisted XXXX be created and was finally given case number XXXX. 

XX/XX/year> ( XXXX XXXX  ) : I called for an update and was told there was still no progress. I was told the case should be resolved by the end of XXXX, but no explanation was provided. 

XX/XX/year> : I called again and was informed that the case still had no updates. The representative stated he would request a resolution or feedback and asked me to call back in 7 business days. 

Nature of the Issue : - American Express has failed to honor the promotional bonus that was part of the card upgrade offer. 
- I met the required spend in full within the timeframe. 
- American Express has repeatedly failed to provide updates or meaningful review of my case. 
- The case appears not to have been properly created or tracked for several weeks. 
- Multiple representatives have confirmed they are unable to see the full case history. 
- I have been told repeatedly to call back in seven days, with no progress. 

This pattern suggests poor internal controls, lack of transparency, and failure to honor a financially material promotional benefit that influenced my decision to upgrade to a card with a higher annual fee. 

Thank you for your assistance. I have acted in good faith and met all requirements of the promotion, and I am simply asking that American Express do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-12-03 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was a total loss and paid in full effective XX/XX/year>. I was never 30 days late on any payments. The last payment owed was for XX/XX/year>, how is it reporting 30 days late for XX/XX/year>. I called XXXX on today XX/XX/year>, the rep would not help me, he said he didn't see any 30-day lates on my account and I need to work with the Credit Bureaus to remove the late.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last XXXX years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CREDICO. INC
State: SD

Complaint narrative:
I received a collection notice on the week of XX/XX/XXXX from an agency called Credit Solutions Bureau for a debt I have with XXXX XXXX for services with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX. They contacted me while I was at work to come up with a payment plan. I was willing to pay {$100.00} a month, but they informed me that they would decide what I would pay toward the debt. They decided that I would pay {$330.00} a month. I was informed that they would need my banking account number and routing number and how they would collect the payments would be to where they would deposit their checks into my account and then they would withdraw the funds from my account. The agreement that I made with Credit Solutions I stated that I want the payments to be taken out on the XXXX of the month, but I received a letter stating they were going to take it out on the XXXX of the month instead. I did not receive this notice until XX/XX/XXXX. I did not have money in my account at the time of XX/XX/XXXX and the check bounced. So now I have a {$25.00} fee with my bank and my bank charged XXXX XXXX a {$40.00} fee and now XXXX XXXX wants me to pay this fee as well. 

Additional on XX/XX/2025 I received another letter stating that more money would be deposited then pulled on XX/XX/2025. Going outside the agreed upon time of collection. 
The letter was supposed to notify me before the pull but was not received until 13 days after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
I disputed a collection account that is being reported on my credit report. 
As part of my dispute, I requested validation of the alleged debt from the collection agency, including documentation proving the debt is mine and that the agency has the legal right to collect it. 

The collection agency failed to provide any validation or documentation. 
Despite failing to validate, they continued reporting the account to the credit bureaus. 

The credit bureau verified the account without the collection agency supplying actual validation, which violates the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and the Fair Credit Reporting Act ( FCRA 623 ).

A furnisher can not legally report information that has not been validated when requested, and a credit bureau can not verify information without proof. 

I am requesting that the CFPB intervene and have this unvalidated account deleted from all of my credit reports. I also request a written explanation of how the account was verified without any documentation being provide

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IA

Complaint narrative:
In XXXX I used CHIMES send a check feature to pay rent. I did this because Chimes APP states money is processed the next business day. I noticed on the XXXX my check still hadn't been sent. ( My XXXX complaint to you ) I called and accomplished nothing with them. I let it go because they said it would be mailed. The end of XXXX my landlord calls stating not getting my XXXX rent. I looked at Chime and said check processed.when they checked they said my check wasnt mailed and they didnt know why. I demanded my $ back recieved it XXXX days later and paid rent Now I have a late fee I can't pay. XXXX bucks. Chime today offered no help. Their bottom line was welp! You did get your money back They said they have no way of knowing what checks are for when sent. Im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I was on a payment plan because the dept of education claimed that previously overpaid me in XXXX grants so they claim I owe them XXXX and reported this to the credit bureaus. I started a payment plan for this balance because I XXXX XXXX XXXX  and the school required a clearance letter. I was on the payment plan for 4 months until XXXX when I found out I lost my tile XXXX XXXX because the dept of education claimed that I was missing a payment from XXXX, even tho I had sent the payment for XXXX. I had to open an investigation into my missing money order, and the investigation concluded that my money order was found to be applied to the WRONG ACCOUNT. LITERALLY SOMEONE ELSES ACCOUNT. Due to me losing my title XXXX XXXX  I have not been able to XXXX  XXXX  and my school is requesting a NEW clearance letter which the dept of education is refusing to give me because they claimed they gave me one already, but i literally would not even need one, had they NOT CANCELLED MY PAYMENT PLAN due to their accounting error and taking MY money and APPLYING IT TO SOMEONE ELSES ACCOUNT and then telling me I never paid! Ive been calling them in regards to this issue since XXXX the XXXX and they have XXXX to correct their error and I am still unable to attend school because of this! They need to fix this NOW! I am a XXXX XXXX XXXX trying to get her XXXX  and this has caused me extreme stress and 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate 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 explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize and for which I never applied. These inquiries do not meet the FCRAs requirement that a user have a permissible purpose to pull a consumer report ( 15 U.S.C. 1681b ). I disputed the inquiries with the credit reporting agency and requested reinvestigation under 15 U.S.C. 1681i, but the inquiries remain on my file. I am asking the CFPB to investigate and require the credit reporting agency to remove all unauthorized inquiries and confirm in writing that my file hasbeencorrected.

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 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I went to deposit funds in my account on XXXX at XXXX XXXX  XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX NJ XXXX the machine took the {$2800.00} cash and gave a receipt telling me it was unable to deposit the money the money is not posted in my account and did not give iy back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation