vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My credit card Ending with XXXX was approved by American Express in XX/XX/year>. I compiled all conditions but my account was not credited with Bonus miles. American Express record shows that my Credit card Ending with XXXX and My wife XXXX credit card ending with XXXX which was approved couple years ago are on the same social security number so they ask me to provide mine and my wife 's Govt Photo ID copies and mine and my wife 's copies of social security cards front and back. I provided all the proofs showing two different person. As per my knowledge it's not safe to provide copies of the social security card to any credit card company. so I request CFPB please let me know it's safe and legal to provide copies of the social security card to credit card company. If American Express consider US income tax return which will show two different social security no. I will provide that, it's a govt document. 
I filed above two complaint with CFPB but company answer is same. So I request American Express please provide me the copy of my wife 's original application on which Credit card XXXX was approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
Spoke to XXXX XXXX on a recorded line XX/XX/year> XXXX and I was told because I signed a lease XXXX ago makes it ok for XXXX party to a collect debt from a document that does not state any debt on this document signed by me which the XXXX party stated.I didn't sign any documents from this XXXX party about this issue nor does the third party had any involvement in this contract... I refuse to pay a third party a debt which I never knew about, not mine and never had my consent to put on my credit with out the creator notifying me first...

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

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX I contacted the cash app agent listed as advocate due to fact the agent refused to give there name they said due to security they don't have to give me a name when I requested a live agent they said they are a live agent and that they only have to tell me there a advocate I received a email saying I completed my direct deposit and I was granted green status til XX/XX/XXXX and it did not show this in my app when I contacted them about this they first said that they only give these privileges to personal accounts I told them my account is personal and they then said I did not meet the requirements but I have a email stating I did meet these requirements it started after I reported some charges that I had on my card that I noticed were on my statements back a couple months all together it quite a bit and I reported it since then I have run into problem after problem I get emails saying I completed all I need to my direct deposit is received then my privileges are turned off and when I contact support I get the same advocate no name saying that I have not met the requirements when I sent the email they kept saying the same thing and refused to look into it when I ask for a supervisor I was cut off and when I opened another ticket I got the same statement that I did not meet the requirements but I have the email that I did I have for years now suddenly I having this issue and I just want what I have coming what I signed for I am keeping my side of things they need to keep there's

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
XX/XX/year> contacted XXXX via mail at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX to Investigate and Remove a medical collection account, CAPIO PARTNERS LLC, Original creditor : XXXX XXXX - XXXX XXXX - Account # XXXX Collection Medical Account XX/XX/year>. 
XX/XX/year> Sent an Online Dispute Experian website to to Investigate and Remove a medical collection account, CAPIO PARTNERS LLC, Original creditor : XXXX XXXX - XXXX XXXX - Account # XXXX Collection Medical Account XX/XX/year>. 
XX/XX/year> sent certified mail with return receipt to Experian to REMOVE the medical collection account under " FCRA XXXX XXXX XXXX '' They have not responded to any requests, did not provide any information to me in order to Verify the debt medical Collection Account and has not complied with the FCRA Medical Information Rules regarding Medical Collection Accounts for medical Services must be deleted from the personal credit file and not used to adversely affect credit reporting for consumer credit. 
XX/XX/year> i was denied a Credit line increase and credit from XXXX XXXX bank because of adverse medical collections account on my XXXX  credit report during their Hard Pull of my credit file. 
I demand that under these rules and lack of verification documents that this collection account be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing a complaint because TransUnion is reporting a bankruptcy that is inaccurate, unverified, and was obtained through a third-party ( XXXX ) without my authorization or consent. I did not provide XXXX any permission to collect, store, or furnish my personal public record information to TransUnion. This bankruptcy does not appear on all my credit reports and can not be verified by the courthouse. I disputed a bankruptcy that TransUnion is reporting. TransUnion claims they verified the account through XXXX. The courthouse has confirmed in writing that they do not report consumer information or bankruptcy records to any credit bureau, including TransUnion. TransUnion admitted to me that they relied solely on XXXX for verification. XXXX is not a court, is not the original source of the information, and I never gave them authorization to obtain or distribute my personal information to any credit bureau. This violates the FCRA requirement that credit bureaus must verify the accuracy of disputed information using an original, reliable source. TransUnion is continuing to publish and distribute this inaccurate public record, causing financial harm and misrepresenting my credit profile. XXXX is furnishing my personal information without : my permission, a permissible purpose my knowledge or authorization. And TransUnion is using this unverified, unauthorized information to damage my credit standing. This is inaccurate reporting and constitutes misuse of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account on XX/XX/XXXX without any warning due to suspicious activity. They did not specify which account but just closed all accounts without reason. They refused to provide any additional information. I have been with Bank of America for XXXX and have about XXXX in funds outstanding. I can not access any of these funds at all until the closure is complete as I have been told my account is in credit only status. I have attempted to escalate this case several times. The close date has been pushed out several times from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX to now XX/XX/XXXX. I need access to these funds as my mortgage payments and other bills have been rejected. I am a single mom of XXXX children in the holiday season. It is now XXXX XXXX and I have not received any notice or further information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is a follow-up submission for my open complaint. I am submitting Exhibits XXXX showing : XXXX is furnishing inconsistent, inaccurate, and conflicting late-payment data across all three CRAs. 

XXXX  shows multiple late payments for XXXX XXXX XXXX 

Equifax + XXXX  show OK for the same months. 

Discovers own records show the account has been current since XX/XX/XXXX. 

XXXX is providing incorrect Date Opened, High Credit, Credit Limit, Date Last Active, and Date of Last Payment, violating : FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 623 ( a ) ( furnishing incomplete/inaccurate information ) FCRA 623 ( b ) ( failure to correct after dispute ) On XX/XX/XXXX, Equifax removed the remark Account previously in dispute resolved by data furnisher, which indicates XXXX did NOT provide adequate verification. 

XXXX has not provided ANY documentation showing : the original ledger, the source records of the alleged late payments, the Metro 2 compliance fields, or the ACDV verification they relied upon.

I am requesting : ( 1 ) Full documentation XXXX used to verify the late payments, or ( 2 ) Full removal of the inaccurate late payments for XXXX XXXX XXXX across all bureaus.

I am attaching updated Exhibits XXXX  to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence Resource Management is reporting a {$530.00} XXXX XXXX collection. I never received the required written 30-day validation notice as required under FDCPA 1692g ( a ). Because no notice was ever sent, I was denied my right to dispute or request validation under 1692g ( b ).

No contract, no itemized billing, no proof of service address, and no evidence I owe this debt has been provided. Reporting a debt without proper validation violates FCRA 602 ( A ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ).

Multiple incorrect addresses appear on my credit reports, so Credence may have used an outdated address and failed to send the required notice, which is a violation of FDCPA and improper furnishing under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'Experian Not Reporting My Credit Information\n\nHello,\n\nI am submitting this message to report an issue with my Experian credit file. Experian is not reporting my credit information or credit score, and as a result, my credit report is incomplete and inaccurate.\n\nI have attempted to contact Experian directly using the phone number listed on my credit report, but I have been unable to reach them or resolve the issue. Because this affects my ability to move forward with important financial goals, I am requesting assistance in having Experian properly report my credit information.\n\nPlease let me know if you need any documents, screenshots, or additional details to help investigate this matter.\n\nThank you for your time and support.\n\nSincerely,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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
To whom it may concern : I am filing a complaint regarding Chases refusal to honor my dispute for an unauthorized card-present transaction in XXXX from XX/XX/year> where the merchant forged my signature. 
The merchant attempted to run a transaction for a bottle of tequila 10x higher than the price, in the amount {$510.00}, which I noticed, did not sign, and I refused authorization. The merchant made a second transaction for the correct amount of {$51.00} and I signed that slip. 
Despite this, the merchant later submitted a forged signature for the {$510.00} charge. Chase denied my dispute and did not provide me with the receipt even though I requested it multiple times. I was told by the bank representative they had received a signed receipt from the merchant but I never received the receipt from the bank when I asked for it in order to prove that the signature does not match my legal signature ( since I never signed it ). 
This is card-present fraud. Under Visas rules for altered or forged signatures, the issuer must reverse the charge unless the merchant can provide real authorization, which they can not. 
Additional data proving this was fraud : I make dozens of purchases on this card daily and rarely dispute charges. 
I almost never purchase alcohol, making two subsequent tequila charges ( {$51.00} and {$510.00} ) highly inconsistent with my spending history, which I would expect Chases fraud detection to have flagged this pattern immediately.

The merchant has numerous online reviews reporting similar scams, which I attached to my written letter to Chase. 
I detected the unauthorized charge immediately, but Chase does not allow pending charges to be disputed, so I was forced to wait until the transaction settled. I filed the dispute promptly after I returned to the US but Chase denied my dispute with a reason didn't find evidence of a billing error which clearly shows the dispute had been miscategorized. I followed up on this with Chase with a written request to reopen the issue and categorize it properly as unauthorized transaction forged signature but I received a response that the dispute was closed without any additional information. 
I request CFPB assistance in having Chase reprocess this case correctly as an unauthorized transaction with a forged signature and reverse the fraudulent {$510.00} charge. 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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