vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I was misinformed by an American Express agent via chat that if I upgraded my Gold Card to a Platinum Card and linked my corporate card, I would receive a {$150.00} annual fee credit. 
Based on that assurance, I upgraded. 
Afterward, I did not receive the credit. Over the next month, I called customer service multiple timesthree to four timesand received conflicting answers from different agents. 
One agent even confirmed the backend team will be able to approve the XXXX credit, I just need to wait and call back. but today I was told the case was closed and I will not receive it. This has been very frustrating and misleading. I would like American Express to honor the {$150.00} credit or provide compensation for annual fee for the misinformation and poor handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello due to the government shut down I have had unexpected hardship. 

I need an extension of my 0 % promo or your best offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
Incorrect 90-Day Late Payments Reported by XXXX Dear Consumer Financial Protection Bureau Representative , I am writing to formally dispute inaccurate information being reported on my credit file by XXXX in connection with my federal student loan accounts. The reported late payments for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>XXXX  are incorrect and should not appear as delinquent. 

During this period, I was enrolled and protected under the COVID-19 Debt Relief and Forbearance Program authorized by the U.S. Department of Education . Under this program, student loan payments and interest were suspended, and borrowers were not to be penalized or reported as delinquent during the relief period. Despite my compliance with these provisions, my credit report now inaccurately shows 90-day late payments for both accounts. 

The specific accounts in question are as follows : XXXX. XXXX Loan Account # XXXX Balance : {$7700.00} Incorrectly reported 90 days late for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 
XXXX. XXXX Loan Account # XXXX Balance : {$11000.00} Incorrectly reported 90 days late for XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

These negative entries have adversely affected my credit standing and do not accurately reflect my payment history or the terms of the relief program. I request that the CFPB investigate this matter and require XXXX to : Immediately correct and remove the inaccurate late payment notations from my credit report ; Update both accounts to reflect a current, positive payment status consistent with federal COVID-19 forbearance guidelines ; and Provide written confirmation once these corrections have been made. 

Please find attached supporting documentation, including copies of my credit report showing the disputed entries.

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 2025-11-12 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: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a continuation and supplement to my CFPB complaint filed on XXXX XXXX XXXX regarding a fraudulent investment scam that resulted in multiple unauthorized wire transfers from my Chase checking account ending in XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XXXXXXXX This complaint is not about account closure. It concerns Chase Banks failure to fulfill its required role as the originating financial institution in pursuing wire-fraud recovery and interbank coordination. 

I reported this fraud to the following law enforcement authorities : XXXX XXXX Sheriffs Office, Report No. XXXX FBI Internet Crime Complaint Center ( IC3 ) submission on XXXX XXXX XXXX  ( Complaint ID : XXXX ) Plus, multiple earlier IC3 filings relating to the same fraudulent scheme. 

Chase initially opened recall cases XXXX and XXXX, but subsequently ceased all recovery efforts and instructed me to contact the recipients directly. 
This directive is unreasonable and ineffective, as the named recipients are part of an international fraud network and can not be contacted by victims directly. 

The recipient ( beneficiary ) banksincluding XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXXeach confirmed to me that they can not freeze or return the wired funds unless Chase, as the originating bank, issues a renewed interbank recall and fraud request. 

Accordingly, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) direct Chase Bank to : Reopen and continue wire recall efforts for all fraudulent transactions associated with my case. 

Coordinate directly with the recipient and intermediary banks to determine whether the transferred funds can still be frozen, traced, or recovered. 

Provide complete wire trail and transaction records to law enforcement authorities upon subpoena or lawful request, in compliance with Chases duties under federal banking and anti-money-laundering regulations. 

Thank you for your continued assistance in ensuring Chase meets its legal and ethical obligations in recovering my defrauded funds and cooperating with law enforcement investigations. 

Note : Detailed documents have been attached at XXXXXX/XX/year> filing. 

Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate address information appearing on my Experian and Equifax consumer files and to request that my files be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me includes XXXXXXXX XXXX XXXX XXXX AL XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX, AL XXXX ; and XXXX XXXX XXXX, XXXX, AL XXXX. These addresses are not my current or prior residences to my knowledge and are causing confusion. 

The correct address to be added and updated on my consumer files is XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files.

I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-12 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-12 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: NV

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am sending to file a formal and urgent dispute regarding the inaccurate late payment history being reported on my XXXX account. The current reporting reflects multiple late payments between XXXX and XXXX ; however, these reported delinquencies are not supported by factual or verifiable payment records. The creditor has repeatedly and inconsistently reported escalating late statuses ( XXXX, XXXX, XXXX, and 120 days late ) despite active payment arrangements and timely payments being made. These entries are duplicated, misdated, and grossly misleading, creating a false representation of my payment behavior and creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit bureaus are legally obligated to maintain only accurate and verifiable information. Furthermore, under FCRA 611 ( a ), once a consumer disputes an item, the credit reporting agency must conduct a thorough reinvestigation and delete any unverifiable or inaccurate data immediately.

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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: NC

Complaint narrative:
Afni , Inc. is attempting to collect a subrogation debt on behalf of XXXX XXXX XXXX XXXX for an alleged auto accident on XX/XX/year>. I disputed the debt and requested full validation under the Fair Debt Collection Practices Act, including proof of liability, photographs of the damage, and documentation linking the repairs to the incident. Afni only provided internal XXXX estimates and rental car charges totaling over {$4600.00}, with no photos or proof that the repairs were related to the minor parking-lot contact that occurred. The documents also show supplemental repairs and inflated costs inconsistent with the described event. Despite my written dispute, Afni continues to seek payment without full validation. I believe this constitutes an attempt to collect an unverified and inflated debt in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: TN

Complaint narrative:
My wife and bought our home in XXXX Tn on XXXX XXXX. It was instructed to Pulte Mortgage to pay off ALL of our debt with the sale proceeds from our home in XXXX XXXX. They did not, we can not afford our home here now due to us having a major credit card balance {$6700.00} and a $ XXXX  monthly payment due. Pulte took it upon themselves not to follow our instructions and stated to us that that card was not included in the credit card payoffs. My wife and I have email proof that we instructed Pulte to pay off all of our credit cards at the closing. Pulte stated to us that we did not need that card paid to close but they never let us make that decision. At our closing I stated to the closing officer that I believed our total proceeds from the sale of our house were higher then what I thought and she stated no that it was correct. Thinking that that number was correct, approximately around {$54000.00} my wife and I spent it furnishing our home and using it as living expenses as both of us were in between jobs during the moving process and did not recieve pay checks for almost 6 weeks. as we moved down to Tennessee from XXXX XXXX. Nothing was ever brought to us about a card not being paid off or stating to us that we didnt need it paid off because of that was the case, we would of paid it ourselves after closing instead of us keeping the {$6700.00} that was supposed to go to 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 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint beacuse this is my third time disputing the same accounts, and XXXX growing extremely frustrated. Ive followed all the steps, been patient, and waited through every XXXX period only to see these accounts still lingering on my report with XXXX legitimate verification. Let me be clear : these accounts are inaccurate, unverifiable, and need to be permanently removed. You are legally required to conduct a real investigation not just rubber-stamp responses from data furnishers. What Ive received so far is not verification, and its not acceptable. The accounts in question are : XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the validity of a debt reported by XXXX XXXX ( XXXX XXXX XXXX ). I have sent a formal Debt Validation Request to ensure the debt is fully validated. I am requesting that no collection activity be taken and that the account not be updated on my credit report until full, specific, and verifiable documentation is provided. This includes the original signed contract, full chain of title, proof of Holder in Due Course, debt itemization, and all prior communications related to this account.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial ( Self Lender ) is inaccurately reporting a paid account as profit and loss and 120+ days late. The account has a {$0.00} balance and was paid off in full, but its being shown as derogatory. Im requesting full deletion of this tradeline from all credit bureaus for inaccurate and misleading reporting.My Self Financial secured credit builder account shows : Account status : Closed Payment status : No Info / Paid profit and loss Amount past due : {$0.00} Last payment : XX/XX/year> Worst payment status : 120+ days late Remarks : Paid profit and loss This is inaccurate because I paid the account in full and had no past-due balance at closure. Selfs credit builder program uses my own deposited funds to pay the loan, so a profit and loss designation is false and misrepresents the account as charged off. 

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information. Reporting a fully paid account as a profit and loss charge-off is misleading and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I submitted a complete identity theft dispute package to the credit reporting agency that included my official IC3 Identity Theft Report, proof of identity and address, and a detailed list of fraudulent accounts and inquiries.

Under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 ( FCRA 605B ) and 1681i ( FCRA 611 ), the company is required to block all information resulting from identity theft within four business days and to complete a reinvestigation within thirty days.

Despite receiving all required documentation, the company has failed to remove or block the fraudulent tradelines and has not provided any written results or verification. This lack of response violates FCRA requirements and continues to harm my credit.

I am requesting that the CFPB compel the company to immediately : Block all identity-theft-related accounts and inquiries under 605B, Delete unverifiable or unauthorized information, and Provide me with written confirmation that these items have been permanently removed.

Company response to consumer: Closed with explanation