vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
What happened : In late XXXX, I experienced financial hardship and contacted American Express to discuss payment options. At first, they refused to work with me on lowering interest, waiving fees, or setting up a payment planeven when I offered to cancel the card. 

On or around XX/XX/XXXX, American Express emailed me a proposed payment arrangement. The plan was presented as a structured, affordable way to resolve my balance in full by XX/XX/XXXX. It allowed me to select a monthly payment amount ; I chose {$200.00} ( above the minimum ) to pay down the balance faster. The plan setup included a payment schedule that showed the debt reducing to XXXX by the stated date. 

The communication led me to believe that : The arrangement covered my entire outstanding balance and any prior amounts due. 
I would no longer accrue late fees or high interest at 27 %. 
The account would be reported as current after I made consistent payments, as is standard in similar hardship arrangements. 
My payments would actually resolve the debt over time without additional surprise charges. 

I enrolled in good faith, set up auto-pay for the XXXX of each month ( as offered ), and have made all payments on time since XX/XX/XXXX. 

However, I later learned : American Express continued to charge late fees and 27 % interest, despite the payment plan. 
They continued reporting my account as delinquent to the credit bureaus, damaging my credit, even though I made every payment as agreed. 
Customer service told me the plan did not stop late fees or interest and that I still owe a substantial past due amount in addition to the payment plan. 
They claimed I should have called for full terms, though no such instruction was given, and the online process gave no indication that critical disclosures were missing. 

Why this is unfair : The payment plan was presented in a misleading manner. Now, I am making payments as agreed, but I receive no benefitno credit reporting relief, no fee relief, no interest reliefand I am left worse off than before. This plan appears to have been structured to secure payments from me without providing actual debt resolution or transparency. 

Supporting documents I can provide : - Original payment plan email from American Express - Payment schedule screenshot - Payment confirmations for each month - Credit reports showing delinquency reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support 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 explanation
Consumer complaint received 2025-06-20 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:
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 2025-06-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute a fraudulent accounts that appears on my credit report. I did not open this accounts, and I believe I am the victim of identity theft. 
Details of the fraudulent accounts : Creditor Name : XXXX Account Number : : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) XXXX Enclosed with this letter are the following supporting documents : A copy of my FTC Identity Theft Report A copy of my government-issued ID A copy of my utility bill or other proof of my address A copy of my credit report with the fraudulent account highlighted Please investigate this matter and remove the fraudulent account from my credit file. Additionally, I request that any inquiries or negative marks related to this account also be removed. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate or incomplete, and I respectfully request that this be resolved as soon as possible.

If you need further information, you may contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to dispute a fraudulent accounts that appears on my credit report. I did not open this accounts, and I believe I am the victim of identity theft. 
Details of the fraudulent accounts : Creditor Name : XXXX Account Number : : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XX/XX/XXXX I have filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) XXXX Enclosed with this letter are the following supporting documents : A copy of my FTC Identity Theft Report A copy of my government-issued ID A copy of my utility bill or other proof of my address A copy of my credit report with the fraudulent account highlighted Please investigate this matter and remove the fraudulent account from my credit file. Additionally, I request that any inquiries or negative marks related to this account also be removed. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information on my credit report that is inaccurate or incomplete, and I respectfully request that this be resolved as soon as possible.

If you need further information, you may contact me at the phone number or email listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/year>, I deposited a payroll check issued by my employer. The check was given to me because our company controller missed the direct deposit cutoff due to the XXXX holiday. Shortly after making the deposit, Capital One placed a hold on the full amount of {$3000.00}, stating that they had confidential information suggesting the check might not be paid. 

No further details were provided, and I was told by Capital One customer service that there was nothing they could do to release the funds sooner. I was also not given an option to verify the check or expedite the review process. 

This hold has created serious financial hardship. I have been unable to purchase groceries, pay for gas, cover planned bills, or attend scheduled obligations despite the fact that this is a valid payroll check and there have been no prior issues with deposits from this employer. 

Capital Ones lack of transparency, vague reasoning, and refusal to provide solutions or early release of any portion of the funds has left me without access to money I rely on to meet essential needs. I am requesting that this situation be reviewed and that the fairness and legality of the hold be evaluated under federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am writing to dispute two derogatory accounts listed on my Equifax credit report. I request that Equifax conduct a full reinvestigation of the items below, and remove them from my file if they can not be properly verified. 
Disputed Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9500.00} These items may have been reported inaccurately, or may stem from unauthorized or unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any item on my credit report and request proof of accuracy. If the information can not be validated, it must be removed from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX. My date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries 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. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
On XX/XX/XXXX my XXXX account was Restricted. I called on XX/XX/XXXX to ask why the account was Restricted. I was not given an answer just that it was under review. I called Friday XX/XX/XXXX again to discuss this matter and was given the same it is under review Answer. I am more than willing to provide any documents needed to resolve the issue. I have significant assets in this account that I would like to have access to for stock trading and options trading. 

I am starting this complaint in case things are not resolved in a timely matter and will provide any updates as they come.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-20 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: NY

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 non-monetary relief
Consumer complaint received 2025-06-20 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-20 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: NY

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 Compliance standards.

You are reporting false, unverifiable, and incomplete information that directly violates : FCRA 1681e ( b ) ( Maximum Possible Accuracy ) FCRA 1681i ( Reinvestigation of Disputed Information ) Metro 2 CRRG ( 2020 ), fields and reporting structure compliance I demand immediate deletion of all unverified, inaccurate, and incomplete information. You are legally required to maintain only complete, factual, and fully verifiable data. Your failure to comply exposes you to liability under FCRA 1681n & 1681o for willful non-compliance and damages. 

The following Personal Information is inaccurate and must be DELETED : Incorrect Names : XXXX XXXX, XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Addresses : XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX Employers : XXXX XXXX XXXX The following Accounts are being disputed due to unverifiable reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following Collections are disputed and must be DELETED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are disputed as unauthorized and lacking permissible purpose ( FCRA 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby given 30 days from receipt of this dispute to provide : Full physical documentation verifying permissible purpose, legal reporting authority, and original signed contracts.

Full Metro 2 field level compliance certification for each disputed data set.

An updated and corrected credit report reflecting the deletion of unverifiable items. 

Failure to comply will result in immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney Generals office, and consideration of private legal action for damages. 

I expect full compliance. This dispute is submitted in good faith. The inaccuracies reported have materially harmed my financial profile and creditworthiness.

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