vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: Credit Corp Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. A collection account from Credit Corp Solutions Inc, in the amount of {$1400.00}, opened on XX/XX/year>, was added to my credit report without my knowledge or consent. I have no relationship with this company and did not authorize this debt. 

I filed a formal identity theft report through identitytheft.gov and submitted disputes under the Fair Credit Reporting Act, specifically FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires that identity theft-related accounts be blocked from credit reports.

I also requested debt validation from Credit Corp Solutions Inc., but they failed to provide documentation showing I owe the debt or that they have the authority to collect it. 

This account is fraudulent and continues to damage my credit, despite being properly disputed and documented as identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am filing a complaint against American Express regarding XXXX unresolved issues tied to the cancellation of my XXXX XXXX XXXX XXXX : ( 1 ) The refusal to provide a pro-rated refund of the {$690.00} annual fee, and ( 2 ) The forfeiture of approximately XXXX Membership Rewards points, which occurred due to misleading guidance from Amex and a lack of effective notice.

American Express canceled my XXXX XXXX XXXX midway through the membership year because my XXXX brokerage account had closed for inactivity. I did not request this cancellation, nor was I provided any clear or timely warning that it was imminent. I received no in-app alerts, no secure messages, and no physical mail indicating my card would be closed. I regularly log into the Amex app and had no indication that my account was at risk.

Amex later claimed they sent emails, but I did not see these. Relying solely on email for cancellation and forfeiture, without any in-app alerts, secure messages, or mailed correspondence constitutes a failure to provide adequate notice for an account and especially a high-fee premium product. 

Amex also stated that they sent XXXX mailed notices. However, I did not receive such notices and I reviewed my XXXX Informed Delivery records where there is no record that any such notices were processed or delivered. Separately, I confirmed American Express had my mailing address correct, which they did. Had I received appropriate alerting via mail, secure message, or in-app banner, I would have immediately reopened my XXXX account and maintained my card. 

In addition, after the cancellation, I attempted to confirm whether I could still redeem my approximately XXXX Membership Rewards points on my closed account. A representative from American Express responded in writing via chat that I had XXXX  days to redeem them. I relied on that information in good faith. However, when I called to redeem within that timeframe, I was told the points had already been forfeited. Amexs Executive Relations team later acknowledged that the representative provided the wrong explanation, referencing rules that applied to other cardholders, not to me. 

These compounding failures : lack of meaningful notice, misleading guidance, and refusal to remedy preventable financial harm have resulted in the loss of both significant card benefits and reward value. I raised both issues with Amexs Executive Relations team, but they declined to provide any refund or reinstatement. 

I believe this reflects unfair billing practices, poor consumer communication, and deceptive or inconsistent application of policies that violate basic standards of fairness and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I purchased my first home in XX/XX/XXXX and was informed that my mortgage would be serviced by XXXX Mortgage. My first payment was due on XX/XX/XXXX. Initially, I submitted XXXX separate checks each month. I also slightly overpaid my portion each month to stay ahead. 

However, XXXX failed to consistently post both payments at the same time, despite confirmation from my credit union that both checks cleared on the same day. XXXX explained that the issue was due to receiving separate checks. To address this, I began submitting a single combined check starting in XX/XX/XXXX. By XXXX, I believed the issue had been resolved. 

Unbeknownst to me, the servicing of my mortgage was transferred to Freedom Mortgage. My XX/XX/XXXX payment should have gone to Freedom, but I had not received any notice of the transfer and submitted the payment to XXXX on XX/XX/XXXX, as I had done previously. Both XXXX payments were mailed to XXXX, and they processed them as XXXX transactions. 

Once I became aware of the transfer, I contacted Freedom Mortgage immediately to explain the situation. I was told XXXX had a grace period to forward the funds, and I was advised to wait. XXXX, however, refused to assist further and directed me to Freedom. Unfortunately, Freedom Mortgage was uncooperative throughout the process. 

During this same period, I became the full-time caregiver for my seriously ill mother, who later passed away, a deeply personal and overwhelming time in my life. 

In XX/XX/XXXX, the matter was finally escalated within Freedom Mortgage, and I began working with XXXX XXXX. I provided her with a detailed log of all payments made, as well as bank statements clearly showing that the disputed XX/XX/XXXX payment was sent to XXXX and had cleared. Despite this, in XX/XX/XXXX, I received a letter from Freedom Mortgage dated XX/XX/XXXX demanding payment for XX/XX/XXXX, and giving me until XX/XX/XXXX to comply. I did not receive this letter until after the deadline, and it ignored the documentation I had already submitted multiple times. 

What is most distressing is that despite making every mortgage payment on time since the inception of the loan, including during this entire dispute, Freedom Mortgage continues to report me as XXXX month delinquent to the credit bureaus each month. This is both inaccurate and unjust, and it is damaging my credit profile unfairly. 

I respectfully request that this matter be fully reviewed and resolved, that my payment history be accurately corrected to reflect all payments made, and that the erroneous delinquency reporting be immediately removed from my credit record.

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 2025-08-04 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 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: VA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TU immediately block and permanently remove multiple fraudulent accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reported on XX/XX/XXXX for {$2700.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX for {$870.00} ) which were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX & # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion and XXXX  credit reports, which I do not recognize and which are the result of identity theft and fraud. These accounts include a collection account with XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX for {$2700.00}, a collection account with XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  for {$870.00}, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX for {$750.00}, and a credit card account with XXXX  XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  for {$200.00}. These fraudulent accounts have resulted in unauthorized hard inquiries and collection activity. I demand the immediate removal of these items from all of my consumer credit reports and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-08-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-04 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: PA

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 2025-08-04 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: NC

Complaint narrative:
XXXX on my my credit report has incorrect payment information! XXXX XXXX  and XXXX are accounts that Ive never opened therefore they dnt belong to my me and need to be removed Also student loans dnt belong to be never gave anyone consent to open any of these accounts in my name

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 2025-08-04 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: FL

Complaint narrative:
TRANSUNION has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which TRANSUNION has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute several accounts that are being reported under my name without my knowledge, authorization, or consent. I have never opened, managed, or permitted the creation of these accounts. Their presence on my credit report is completely unacceptable, as they contain false and misleading information that misrepresents my financial history. 

I take the accuracy and integrity of my credit profile very seriously. The appearance of these unauthorized accounts is deeply concerning and has caused significant distress. I am requesting immediate clarification on how these accounts became associated with my name and who is responsible for reporting them.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Axiom Acquisition Ventures, LLC
State: NJ

Complaint narrative:
Date was XXXX XXXX  amount {$1800.00} not sure what the company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I did not authorize these accounts, which were opened through fraud, and I demand their deletion under USC 1681g within XXXX  days.

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 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a cheque with amount XXXX from XXXX check account on XX/XX/year> to my citibank saving account, but citibank say that's a bad check and even close my saving account, so refund to me. But XXXX claim the cheque is out from them successfully.

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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Interest rate XXXX XXXX over and over charging me Also they say I owe XXXX balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
The above companies are in violation on my credit consumer reports and my FCRA rights 15-U.S.Code-1681 ( b ) 15-U.S.Code-1681 ( I ) 15-U.S.Code-1681 ( e )

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 2025-08-04 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
HI, I stopped into the local pnc bank branch to resolve my issue, but I tried with the bank employee to change my password, we tried calling customer service to fix the issue but they say my phone isn't a working number. 

I have had my checking account with pnc bank since XX/XX/year>, I have had my phone number of XXXX since the summer of XXXX, maybe longer. Some how pnc bank has changed it where I can't login and be verified correctly. I don't receive texts from them. I could about XXXX weeks ago or there about. 

please help me resolve this issue before I find a lawyer to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NE

Complaint narrative:
XXXX XXXX is trying to collect on behalf of XXXX for numerous charges and they are not my charges and i did not authorizew these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

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