vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I reported fraud and misrepresentation related to a {$4400.00} charge from XXXX XXXX XXXX XXXX XXXX XXXX as XX/XX/XXXX by phone. At that time, I was told I could use the timeshare in XX/XX/XXXX but was later denied access because I had not completed a required orientation, which was not available until XX/XX/XXXX. This condition was never disclosed at the time of purchase. I also paid {$440.00} toward the charge before learning I would be denied service. 

In response to the issue, I filed a police report and a complaint with the Federal Trade Commission, both of which I uploaded to AMEX, giving the appearance that AMEX was investigating the matter. Numerous AMEX representatives spent hours with me over several months addressing my concerns. 

However, AMEX closed my dispute on XX/XX/XXXX, falsely stating I reported the issue more than 60 days after the statement date, which is incorrectI first raised the issue in XX/XX/XXXX. Subsequently, AMEX canceled my card, appears to have charged off the balance, and reported negative credit information to credit bureaus. 

AMEX also informed me that because I provided my account number to the service establishment ( XXXX XXXX XXXX XXXX ), the charges were considered authorized and thus not eligible for fraud protection. 

This dispute originated from deceptive sales tactics used during a promotional offer. I was persuaded to accept a XXXX getaway deal that required attending a pressured XXXX sales orientation designed to upsell timeshare ownershipan environment I now recognize as coercive and misrepresentative. 

Throughout this unresolved dispute, I have also been subjected to near-daily robocalls from AMEX, XXXX ongoing harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 2025-09-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-05 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: CBC Companies, Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I sent an international wire transfer via SWIFT from Chase Bank XXXX XXXX XXXX  XXXX ( XXXX ). Due to incorrect beneficiary details, the funds were not credited. 

Chase confirmed they sent corrected information through the correspondent bank, but more than XXXX month has passed and the funds are still held. I have repeatedly asked for a XXXX tracer and confirmation, but Chase has not resolved the issue. 

This delay is unacceptable. I request Chase either immediately complete the correction so XXXX can credit the funds, or initiate a recall so the money is returned to me without further delay. 

Requested resolution : XXXX action by Chase to resolve the transfer or return the funds. 

Foreign Currency Wire Transfers Inquiry XXXX Recipient Name : XXXX XXXX Amount : XXXX Currency Type : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
The entry does not reflect my payment reliability and is incorrect. I request immediate correction.

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 2025-09-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX  Re : Request for Information on Charged -Off/ Written-Off Account Creditor : XXXX XXXX XXXX XXXX Account No : XXXX  To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, The date of last payment received. 
The date and amount of the charge-off. 
Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS.

The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled. 

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX D.o.b. XX/XX/XXXX Last 4 SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX  Re : Request for Information on Charged -Off/ Written-Off Account Creditor : XXXX XXXX XXXX XXXX Account No : XXXX  To Whom it May Concern, I am writing regarding the above-referenced account that is reporting on my credit file as a charge-off with a balance written off. I am not disputing the reporting at this time, but I am formally requesting clarification and documentation regarding this account,. 

Please provide me with the following information in compliance with the Fair Credit Reporting Act ( FCRA ) : The date of first delinquency ( DOFD ) on this account, The date of last payment received. 
The date and amount of the charge-off. 
Confirmation of a Form 1099-C ( Cancellation of Debt ) Has been issued for the written-off amount, and if so, the Date it was filed with the IRS.

The current balance being reported, and whether the creditor Intends to pursue collection or considers the debt fully cancelled. 

I respectfully request that this information be provided to me in writing. If you are unable to verify or provide the requested information, please remove or correct the account entry from my Credit file in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX D.o.b. XX/XX/XXXX Last 4 SSN : 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 2025-09-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received an XXXX  check for services I provided and everything went through with XXXX  on my end here in XXXX XXXX. I did a mobile deposit and a few days later my check was returned in the amount of {$1700.00} and immediately back out of my account. Reached out to my customer and he sent me a photo of the check that was cashed and it wasnt in my business name, the state of whoever had the fraudulent check wasnt written in and where you write the numbers they wrote XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Why that wouldn't be flagged with a bank is beyond me. The bank this happened at was US Bank NA in XXXX XXXX XXXX. I use XXXX 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 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
UCC 1-308 ALL RIGHTS RESERVED. 
I purchased a XXXX XXXX XXXX XXXX, XXXX from XXXX XXXX XXXX for {$9900.00}. I made a {$1500.00} down payment, which should have reduced the amount financed to {$8400.00}. This did not occur. The contract reflects a higher financed amount, violating Truth in Lending Act ( TILA ) and basic state contract law.

Additionally, I was deceived into believing that GAP insurance and CVS ( part coverage ) were included at no cost. I did not knowingly authorize charges for these services. After discovering they were added to my loan without disclosure, I cancelled XXXX. However, I only received a partial refund, which I never agreed to. 

I also discovered that GAP insurance is affiliated with Credit Acceptance, and no clear documentation or cost breakdown was ever given. The provider and refund policy were withheld.

Furthermore, Credit Acceptance has been reporting late payments on my credit while I have been in a settlement arrangement with an end date of XX/XX/XXXX for a remaining {$1600.00} balance. I was advised this reporting should not occur during collections or dispute. This is potentially a violation of the Fair Credit Reporting Act ( FCRA ). 

I have repeatedly contacted both the dealership and Credit Acceptance, but I have been : Denied proper contract corrections, Refused full refunds of unauthorized products, Denied documentation about the GAP coverage, Subjected to continued negative credit reporting.

What Law or Right Was Violated : Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Michigan Consumer Protection Act Unfair or Deceptive Acts or Practices ( UDAP ) Breach of Contract and Misrepresentation

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 2025-09-05 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: NC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief