vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
I was purchasing a flight on XXXX, where I was asked if I wanted to check for approval of an American Express XXXX XXXX XXXX for XXXXXXXX XXXX statement credit for the purchase of my flight. Upon approval ( prior to me accepting the offer ) I was NOT notified that I was ineligible for the instant credit card, which would have allowed for me to purchase the flight. So I have essentially missed out on {$500.00} statement credit because I was mislead into believing that ALL approvals would result in this. There is a disclaimer at the begging saying " instant cards are subject to approval '' but to me that does not explain to me that I am unable to purchase a flight for a statement credit. All that says to me is that the card isn't available instantly. ( Since instant is subjective wording, it could mean that it's not available 5-10 minutes after the approval, or it could mean that the digital card isn't available ). The issue is that, when I accepted the offer for the card I was NOT informed that I was ineligible for the instant card, and therefore not eligible for the Bonus for that flight. This mislead me into accepting the offer, and opening the card. I asked AMEX and XXXX for a credit of the flight amount for the misinformation and they declined. I stayed on hold with both for over an hour, with zero resolution. I then asked for the card to be closed due to the misleading information, and suppress/delete the hard inquiry into my credit, but this was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-08-09 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: LJ Ross Associates
State: MI

Complaint narrative:
Ive added new found information further validating that I am a victim of identity theft and my information has literally been involved in numerous data breaches including that of the XXXX one and Ive fraudulently been added to unauthorized authorized user accounts for multiple credit cards! I will attach the new found information and proof solidifying that theses inaccurate remarks on my credit report is indeed fraudulent and verifiably not mines. As stated in my last report, my information was also once coincided with someone as the same name as me. Any address on my report that is not on my ftc report or identification is not mines and needs to be removed as well! My rights have been violated and any data furnisher permitting to publish this fraudulent, inaccurate information is going against my federal consumer rights, according to FCRA & metro-2 compliance. This is my final notice, all of my supporting documents will be attached along with my new updated FTC report, etc XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: FL

Complaint narrative:
Remove the fraudulent and unauthorized credit inquiries listed below from my Experian credit report immediately. I am the victim of identity theft, and these inquiries were made without my knowledge, consent, or any legitimate permissible purpose. 

I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) dated XX/XX/XXXX, filed under my legal name XXXX XXXX XXXX XXXX and current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. This report confirms that I do not recognize these inquiries and that they are the direct result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the continued reporting of these inquiries constitutes multiple legal violations, including : FCRA 605B 15 U.S.C. 1681c-2 : Requires credit reporting agencies to block identity-theft-related information within four ( 4 ) business days after receiving a valid identity theft report.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) : Consumer reports may only be accessed for a permissible purpose. Accessing my report without authorization violates my privacy rights.

FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to know who accessed my file and under what authority.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing inaccurate or unverifiable information.

FCRA 611 15 U.S.C. 1681i : Requires the bureau to investigate disputed information within 30 days and provide results. 

Unauthorized Inquiries to be Removed ( Experian Total : 6 ) : XXXX XXXX XXXX ( XX/XX/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 XXXXXX/XX/XXXX ) My Legal Demands : Immediate blocking and removal of all above-listed inquiries.

Written confirmation that these inquiries have been deleted from my Experian report.

Full disclosure of any documentation allegedly used to authorize these inquiries.

A copy of the investigation results in compliance with FCRA 611.

Failure to comply with these demands will result in further legal action and escalation to the CFPB for enforcement.

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: MD

Complaint narrative:
this is a charged-off account, I believe this debt is not owed, either because it was already paid in full to the original creditor, and sold to a new creditor ( or collection agency ) with whom you have no direct contract or relationship. they failed to provide proof you owe the debt and/or proof they have the legal right to collect it. this debt ( especially if it was paid or is incorrect ). This is being inaccurately reported on your credit report, which is harming your credit score. you never signed a contract with this new creditor/collection agency and they can not provide proof that you owe them money. They need to stop all collection attempts. All inaccurate entry need to be removed from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have no knowledge of this account. I have never had an XXXX XXXX account. There are several out of state addresses attached to my XXXX  account and I believe this account is the result of fraudulent charges. I was never contacted to verify this debt, but it has continued to negatively impact my credit for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal is unlawfully holding {$1400.00} from my account even though the holding period has already expired. 

On XX/XX/scrub> 2025, PayPal first told me I would never be able to withdraw my funds without a valid reason. Later, they changed their statement and said the funds would be held for up to 120 days. That time period has now passed, yet my funds remain locked.

I have submitted all requested documents, and there is no legitimate reason to keep my money. These funds are critical for supporting my children and paying for their education. PayPals actions are causing serious financial hardship and may violate XXXX consumer protection laws by providing conflicting information and withholding funds without due cause. 
Account paypal : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Had hired a credit repair company, XXXX XXXX XXXX XXXX, on XX/XX/XXXX to assist me in trying to help with my credit situation after a divorce. They were able to help boost my credit, without any issues, until went to go and try and purchase a home, was informed by real estate agent in XXXX of XXXX that my Experian credit score had been locked, stated there was a security breach or identity security freeze. Which I was never made aware of as the consumer. I reached out to experian customer service in XXXX of XXXX and after waiting on the phone for 2+ hours, they advised they would send a letter, and explain the documents that would be needed to unfreeze my credit score. First letter was received was in XXXX of XXXX, stating they needed a copies of my drivers license, my social security card or a secondary legal identification document. I sent them a copy of the MO Drivers License, copy of Social Security card, just as they had requested. No communication but credit was still frozen. Received 2nd letter in XXXX XXXX of XXXX, stating the documents were unreadable, requesting same documents again, but legible. Documents were rescanned to make more legible and sent copies of my W2s, as well. Received letter in early XX/XX/XXXX, stating the documents were still unreadable, rescanned and enhanced the documents again, and sent to them XXXX XXXX of XXXX. Have not received any further correspondence from them, but my credit is still locked. And have been unable to speak to anyone thru the customer service phone number, aside from the 1 time back in 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 2025-08-10 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: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
Hayt hayt & landau llc is harassing me and illegally obtained my information and placed me into collections without sending validation of debt.Hate hayt & landau llc is attempting to collect a debt not owed and hasn't validated the debt. I did not provide my information to hayt hayt & landau llc so they are illegally accessing my personal information and harassing me which goes against consumer rights per FTC, 15 U.S. Code 1692c, Under this Act ( Title XXXX of the Consumer Credit Protection Act ), third-party debt XXXX are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. This does not comply with disclosure requirements set forth in the Fair Debt Collection Practices Act. More than enough time has passed to allow you to comply however you have chosen not to meet the legal requirements of the law. XXXX XXXX & XXXX XXXX has no legal right or obligations to me and has illegally placed me in collections without providing original validation of debt and other instruments. This company needs to be investigated for illegally accessing SSN, Email Address, Phone Numbers, and other personal information without my permission. I hereby request cease and desist. As stated before this is illegal. Hayt hayt & landau llc needs to provide me with copies of all documentation associated with the account and bearing either a court order to place this information on my credit report or my authorization of release bearing my original signature. To be in full compliance with the FCRA laws and guidelines all the information listed under public records needs to be immediately deleted Per the FCRA section 609 ( A ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgments all accounts and public information that you post on anyones credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Subject : - Related to dispute XXXX. 
I am filing a complaint against my bank for failing to properly investigate and reverse a fraudulent {$1200.00} charge to my credit card. The merchant obtained payment through unauthorized work, refusal to provide a quote, and deceptive billing under a different company name than the one I contacted. 

Background : I scheduled a garage door service but later canceled the visit entirely. 

Despite my cancellation, the technician arrived uninvited. 

I asked for a quote before any work began ; the technician refused and stated the price would only be determined after completion. 

He performed approximately XXXX hour of vague repairs without replacing any parts, then presented a {$1200.00} bill far above industry standards. 

The invoice listed a different company name than the one I called ( bait-and-switch tactic ). Never provided proof I agreed to quote or terms before service rendered ( that too forcefully ). 

Bank Dispute Outcome : I disputed the charge with my bank, providing evidence of cancellation, lack of authorization, refusal to quote, and deceptive company name use. The bank closed the dispute in favor of the merchant, citing that I agreed to terms a claim unsupported by any signed contract, written agreement, or documented consent. 

Why This Is a Bank Failure : The bank accepted the merchants statement without requiring proof of terms or consent. 

They ignored clear evidence of unsolicited services ( which under FTC rules do not require payment ). 

They failed to weigh the absence of an itemized invoice or proof of replaced parts. 

They accepted a charge from a different billing entity than the one I contracted with.

Harm to Consumer : This failure has left me financially harmed, rewarded a merchant engaging in deceptive practices, and signaled that my banks dispute process does not adequately protect against fraud.

Resolution Requested : Full reversal/refund of the {$1200.00} charge.

Review and improvement of the banks dispute investigation procedures to ensure merchants provide ac
tual proof of customer agreement, not unsupported claims.

CFPB oversight to ensure the bank is complying with Regulation Z ( Truth in Lending Act ) and its requirement to investigate credit card disputes thoroughly and fairly.

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 2025-08-09 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: VA

Complaint narrative:
The fraudulent inquires are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

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 2025-08-10 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: Lockhart, Morris & Montgomery Inc.
State: OK

Complaint narrative:
I am writing to dispute the medical debt account ( s ) reported on my credit report that violate multiple provisions of the Fair Credit Reporting Act ( FCRA ).

The account ( s ) in question fail to comply with the following FCRA requirements : 1. 605 ( a ) ( 6 ) The Date of First Delinquency ( DOFD ) is missing or inaccurate, making the continued reporting illegal since the medical debt can not be reported beyond seven years from the DOFD.

2. 605 ( a ) ( 8 ) The medical debt was reported less than 365 days after being placed for collection, violating the mandatory waiting period designed to allow for insurance or billing dispute resolution.

3. 605 ( b ) Medical information was reported without my consent, including creditor names that reveal the nature of the debt.

4. 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ) The furnisher has failed to report complete and accurate information, including the correct DOFD and original creditor details.

5. 623 ( b ) Despite multiple disputes, the furnisher has failed to correct or delete inaccurate information and continues to report it.

6. 607 ( b ) The credit reporting agency failed to maintain maximum possible accuracy, as shown by early reporting, missing DOFD, and incorrect dates.

7. 611 ( a ) My right to dispute inaccurate information has been exhausted. I have also requested the method of verification used by the furnisher, but have not received it.

Additionally, I have valid insurance coverage for the medical services related to this debt. This supports that the debt should have been subject to billing review and insurance adjustments before any reporting. Reporting this debt prematurely and inaccurately disregards my insurance protections.

Because of these violations, this account ( s ) has damaged my credit score and financial standing unjustly.

I demand the immediate deletion or correction of this medical debt from my credit report. Failure to do so will leave me no choice but to pursue legal action for damages under the FCRA.

Please provide written confirmation of the corrective actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2025, a {$580.00} charge from XXXX XXXX XXXX posted to my American Express account. While I signed up, I never scheduled, attended, or received any lessons. Before any service began, I called XXXX XXXX XXXX to cancel and was verbally told a refund would be issued. Illinois is a two-party consent state, so I could not record the call. 

XXXX XXXX XXXX own published refund policy states : " If student/customer requests a refund prior to the first lesson we will, under discretion, process the refund on a case-by-case basis. A 30 % processing fee will be applied to all refunds. '' American Express initially credited my account during the dispute process but reversed the credit on XX/XX/2025, after the merchant submitted documentation. This documentation did not show that I received or used the service only that I signed up. 

When I asked AmEx to reopen the dispute, they refused unless I could produce documentation of cancellation. Under the Fair Credit Billing Act, my written statement and the merchants own published refund policy are valid evidence. American Express is refusing to reasonably consider this evidence and is holding me responsible for a service not provided.

Company response to consumer: Closed with explanation