vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP
State: VT

Complaint narrative:
Paid in full credit account closed by bank, now listed as derogatory despite no charge-off or collections. Derogatory status misrepresents account. Prior dispute ignored relevant context. Requesting removal or correction.This account was closed by the grantor, but the history does not reflect the overall positive standing. The account had consistent payments for nearly two years and was never charged off or sent to third-party collections. Overpayments were made, and I am requesting an investigation to correct or remove the derogatory status due to incomplete and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( remaining value of {$22.00} out of {$25.00} face valve ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

I have also tried to purchased a less than {$4.00} XXXX from XXXX, and XXXX also declined my transaction even there is more than ample amount to cover the purchase. 

I have contacted Amex on XX/XX/year> from XXXX, and they refused to help. 


Many people have reported having this problem starting this past year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There was a post on XXXX for a free XXXXXXXX XXXX giveaway. They give you three attempts to select from a picture of several gift boxes. I selected one that seemingly showed I had one a free guitar. Next screen asks you to pay for the shipping and handling. Next screen says your entered in the drawing for a free guitar.

Realizing then that this is obviously a scam. Why would I pay for shipping if I hadnt actually won something. When I called Chase Bank, they said there is nothing they could do because I made the purchase. the only information I have is in my account on the Chase app : XXXX XXXX CA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
I am filing this complaint against Bridgecrest Acceptance Corporation for inaccurate and incomplete credit reporting that violates the Fair Credit Reporting Act ( FCRA ).

I entered into a contract with Bridgecrest in XX/XX/XXXX, which they have acknowledged. However, my credit report does not reflect any payment history for the years XXXX, XXXX, XXXX, or XXXX. This is misleading and unfair, especially since I was actively paying on the account during that time, including periods where I went delinquent. The failure to report any data for those years omits both my positive and negative payment history, resulting in an incomplete tradeline. This violates FCRA Section 623, which requires furnishers to report accurate and complete information.

Additionally, Bridgecrest is inaccurately reporting the first date of delinquency ( DoFD ) as XX/XX/XXXX, when in fact the original delinquency occurred in XX/XX/XXXX. Under FCRA Section 605 ( c ), the 7-year reporting period must begin from the actual DoFDnot the later charge-off or repossession date. This manipulation extends the time the negative tradeline stays on my report beyond what is legally allowed. Based on the accurate DoFD, the account should have been removed by XX/XX/XXXX. 

I have submitted disputes regarding these inaccuracies to XXXX, XXXX, and XXXX, and all three responded that the information was " verified '' by Bridgecrest. I also previously submitted a CFPB complaint, and Bridgecrest responded without addressing the missing history or correcting the inaccurate DoFD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
When I book travel using my American Express credit card on the American Express travel website, they state that they will follow the rules of the airline. When I was forced to make a travel date change due to an airline rescheduling, the credit was made available for my use. However, American Express is not giving me the access to the credit and XXXX XXXX is not allowing me to use the credit. They are both withholding money that is rightfully mine. They keep trying to point me to the other agency and not resolving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX  Date of Inquiry XX/XX/XXXX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Identity theft accounts XXXX XXXX XXXX  Date opened XX/XX/XXXX Credit limit {$20000.00} Account number XXXX Account type Credit card XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Account type Auto Lease Original balance {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
Identity theft accounts XXXX XXXX XXXX  Date opened XX/XX/XXXX Credit limit {$20000.00} Account number XXXX Account type Credit card XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Account type Auto Lease Original balance {$11000.00}

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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized Release of Credit Information by Experian Despite Credit Freeze On XX/XX/year>, I began the process of applying to lease a rental home after being invited by the homeowner, XXXX XXXX, to submit an application via XXXX. I logged into the XXXX platform and stopped the application before completing it, specifically before entering all required personal details and submitting the {$35.00} application fee. I did not complete or authorize the submission of the application. 

However, on XX/XX/year>, I received a message from XXXX XXXX stating that he would not be moving forward with my lease request due to the credit rating that XXXX had received. This was alarming to me, as I had not authorized any credit inquiry, and my Experian credit report is frozen due to prior identity theft. A freeze should prevent access to my report unless I explicitly lift it which I did not. 

When I returned to the XXXX application, it confirmed my claim : the application was still incomplete and had not been submitted. Despite this, Experian appears to have released my credit file or score to XXXX, violating the protections I put in place. 

Furthermore, XXXX has not provided me with a copy of the credit information they received, and I did not receive any adverse action notice as required by law when a credit decision is made. I contacted XXXX for clarification and received no resolution. 

This situation raises significant concerns about Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the handling of credit freezes, particularly in the following areas : How was my credit information accessed while frozen, without my authorization? 
What mechanisms does Experian have in place to prevent this type of unauthorized disclosure? 
Why was no alert or notification sent to me regarding this access?

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 2025-04-06 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: NC

Complaint narrative:
I just recently made this Venmo account l 've sent money a few times and received money just a few times, what could I have done that would block my account?! 
There's nothing I did to have my account blocked and I need access to my money I am not waiting XXXX  days I need to be able to send that money to my landlord I am facing eviction. I was not told a valid reason as to why my account was even suspended let alone blocked I need that money and I need to be connected to someone that can access it. You can clearly check the activity on there I have used it a handful of times and I get blocked from using a service because it wouldnt accept my debit card, a lot can happen in XXXX  days and XXXX not and I shouldnt have to wait that long to access my money from Venmo when I did nothing wrong I need access to my funds IMMEDIATELY Im facing eviction I have a medical emergency, I have had this Venmo account for a couple weeks Ive hardly used it so I tried to transfer my money a couple times and it didnt work so thats when they messaged me said I needed to send my I.d, I did that and they still permanently deleted my amount after several attempts telling them I needed access to that money for medical and housing purposes which are both very important, so for me to have to wait XXXX months to access XXXX dollars thats rightfully mine is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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

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 2025-04-06 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: GA

Complaint narrative:
There is a company by the name of XXXX XXXX XXXX ( Collections ) reporting an account on my credit profile that doesnt belong to me. This is violating my consumer rights and code 605B. I have no association with this business or accounts with this business. This business is falsely reporting information and obtained my social security number illegally. This collection account must be removed now.

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 2025-04-06 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:
There is a company by the name of XXXX XXXX XXXX ( Collections ) reporting an account on my credit profile that doesnt belong to me. This is violating my consumer rights and code 605B. I have no association with this business or accounts with this business. This business is falsely reporting information and obtained my social security number illegally. This collection account must be removed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I DO NOT OWE THEM I DID NOT REQUEST ANY SERVICES FROM THIS COMPANY. MY INFORMATION WAS COMPROMISED IN A DATA BREECH AND SOMONE MAY HAVE DONE THIS ILLEGALLY. PLEASE REMOVE FROM MY CREDIT 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 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Movement Mortgage LLC
State: NY

Complaint narrative:
I have a mortgage on my personal residence through Movement Mortgage. We purchased our home in XXXX, and my mortgage has been sold by the mortgage provider a few times since then. I have been forced to create a number of new accounts online to manage my payments and collect year-end tax documents. As of the last mortgage sale, I have constant issues accessing my account. Movement Mortgage has multiple different website and account access portals, including : 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 # step-1. I am have been bounced around to multiple of these websites by various customer service representatives, and I am constantly forced to reset my password, go to a different/new website, or perform some other action to gain access to my account. This practice is deceptive and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete these items as soon as possible.

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 2025-04-06 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: NY

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: CA

Complaint narrative:
I am filing this complaint against Experian for reporting and failing to remove fraudulent accounts from my credit file, despite my request under Section 605C of the Fair Credit Reporting Act ( FCRA ). The following accounts, which were fraudulently opened in my name due to identity theft, are incorrectly appearing on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX. I have no knowledge of these accounts, did not authorize them, and have never conducted any transactions associated with them. I have already notified Experian that these accounts are fraudulent and requested that they be blocked from my credit report under FCRA 605C, which requires consumer reporting agencies to remove identity theft-related accounts upon request and verification. Despite my request, Experian has failed to properly investigate and remove these fraudulent accounts, causing harm to my credit profile. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Experian complies with the Fair Credit Reporting Act and removes these fraudulent accounts from my report 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 2025-04-06 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: NY

Complaint narrative:
Notice of FCRA Violation Improper Reinsertion Without Notice I am writing to formally dispute and bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically **Section 611 ( a ) ( 5 ) ( B ) ** [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], regarding **the reinsertion of previously deleted accounts on my credit report The following accounts had been **previously removed** from my Experian credit file following disputes, but were **subsequently reinserted without the required notice** to me within five business days, as required by law : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX The FCRA clearly states that if a credit reporting agency reinserts previously deleted information, it must : - Obtain a **certification of accuracy** from the data furnisher, and - **Notify the consumer within 5 business days** of reinsertion with details of the source and content of the information.

To date, I have **not received any such notice** from Experian regarding these reinsertions.

This is a **direct violation of federal law**, and I am demanding that : 1. You immediately **remove the reinserted accounts** listed above.

2. Provide a written explanation of how and why these accounts were reinserted.

3. Include documentation from the furnishers certifying the accuracy of the information as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If these items are not corrected within **15 days of receipt**, I will be pursuing legal action for damages under the FCRA.

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 2025-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I was paying a debt collector so fix my credit but they ended up putting me on a payment plan to settle for less than when I didnt have found to pay they ended up throwing the offer out!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
Something was charged on my card in error, which a credit was supposed to be applied in the amount of {$740.00}, which was not completed, for a charged that was done in error. I issued a 1099-A for that amount and in return the debt was discharged, which Synchrony Bank issued me a 1099-C. Please apply credit to my account as a resolution for this charge that was caused in error.

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