vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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: EQUIFAX, INC.
State: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an account with Care Credit and I did not pay my bill for a few months due to lack of funds. Now I have the full check from our title company for the total balance to pay off the law firm they sent my account to. The law firm will not respond to calls ( over XXXX calls ) or emails. 
I've called care credit several times and was told those times that they don't know how I can pay my debt to the law firm they sent my balance to. 
Care credit account ends in : XXXX XXXXXXXX XXXX XXXXXXXX XXXX is : XXXX Account XXXX : {$7000.00} I have a check for this amount from our title company ready to be sent out ( for several weeks 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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express has an XXXX Amex offer : Get up to {$75.00} back quarterly on eligible purchases at XXXX in the US. 

I signed up for the offer on the Amex website using my AMEX XXXX card. In XX/XX/year>, I went to XXXX to make a purchase so that I could get the {$75.00} Amex XXXX offer. 

However, I never saw the credit show up on my credit card. When I called Amex in late XX/XX/year>, Amex claimed I had never signed up. This is not true. I signed up for the offer. Regardless, Amex should not be tricking their customers into thinking they signed up for an offer and then not giving the credit to them. 

The annual fee for the Amex XXXX is nearly {$900.00} a year. I believe Amex is hoping these well-heeled clients will just forget they were not given their {$75.00} credit. I am requesting CFPB please help me get my credit due to Amex 's unfair business practices and not living up to their promises. 

Thank you, AMEX XXXX customer

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: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-12-03 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: OH

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 — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2100.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1100.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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: EQUIFAX, INC.
State: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: GA

Complaint narrative:
Could you go through this entry and see if it's correct?

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I paid in full my XXXX XXXX student loan ( opened XX/XX/XXXX ) in the amount of {$9600.00} on XXXX XXXX, XXXX. After three months the credit bureaus still have " open '' and " last payment received XX/XX/XXXX '' re : this installment loan even though I disputed with the credit bureaus and sent proof of paid in full status info. I received from XXXX. Experian even sent me me a notice that my disputed case is closed after I repeatedly disputed with them with proof that the account is paid in full. I have called XXXX several times and XXXX told me that they have informed the credit bureaus of my paid in full status.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have described the situation may times. It seems American Express doesnt care about what happens to me - their long time customer - rather than XXXX  says they gave me what I paid for- which they did not.

I bought two all inclusive vacation packages- American Express says XXXX  has provided proof that this is the case. Great I agree. 

Then they did not provide the service. Im not sure how they can prove that they did something that they did not. I have provided American Express multiple pieces of evidence of what they offered in my purchase and how that is not what was provided. XXXX  lied to American Express without evidence and it was merely taken as proof and I was written off. 

XXXX  stole my money, created a dangerous situation for both me and my mother as XXXX people when they blatantly ignored my accommodation requests that the previously said they would accommodate. Get that recording American express instead of just relying on their lies. 

They ruined my fathers birthday and told us to spend more money on our ALL INCLUSIVE vacation by purchasing basics from the gift shop. 

Then even though I raised issues with XXXX  immediately - they didnt care. They offered me XX/XX/year> the cost in rewards points which is joy compensation or recompense and is a slap in the face telling me to spend even more money with them for a heal of garbage. 

American Express has not fulfilled their federal duty, a through investigation was not done and none subsequently either. As they mostly do, they merely asked the merchant if the wanted to keep the money, the merchant said yes and American Express told me to go kick rocks. 

In the multitude of complaints I submitted additionally, American Express does nothing more than respond telling me too bad and explaining how XXXX  gets to steal from people with the help of American Express and that I am out of luck. 

Unfortunately for me, I had already recommended American Express to others, but I will never again and instead be sharing as much as possible how American Express lies about consumer protection and then helps corporations steal from individuals. 

My American Express card is always paid appropriately, my credit score is well over XXXX, this issue is clearly not that I cant afford this ( which I already paid my the card off immediately back in XXXX ) but that I dont want be stolen from.

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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Name : XXXX XXXX Consumer ID:XXXX Date of birth : XX/XX/year> SSN:XXXX ID Type : DLs ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Chex Systems , Inc., Attn : Consumer Relations , XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my ChexSystems consumer report. I have NEVER opened or used the bank account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : Unknown ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : Unknown ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my ChexSystems Consumer Report immediately! Ive attached a copy of the report to this request.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Paid loan off XX/XX/year> XXXX XXXX Received title and all documents from financial institution Was sent letter in mail saying $ XXXX still owed After a conversation with financial institution started paying loan on time again Financial institution cashed checks but charged off my balance as of XX/XX/year> of $ XXXX Credit scores dropped XXXX points Other credit companies have lowered all credit Limits. 
Can not buy the home I was scheduled to buy

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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions WELLS FARGO CREDIT CARD for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established and charged off. 
XXXX. Copies of the original signed contract or agreement bearing my signature. 
XXXX. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required XXXX  days. 

Sincerely, 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 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: Experian Information Solutions Inc.
State: TX

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 2025-12-03 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: CA

Complaint narrative:
Could you take a quick look at this entry? It might be wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kashable LLC
State: MA

Complaint narrative:
I was affected by the Government shutdown in XX/XX/XXXX, and I notified Kashable LLC after they sent me an email acknowledging their awareness of this issue. I explained that I would make my payment before the thirty-day mark so that it would not be reflected on my credit report as a derogatory remark. I made a payment on XX/XX/XXXX, and I signed their agreement. My bank deducted {$200.00} from my checking account on that day, which is the amount of the payment. I received several credit monitoring alerts today, XX/XX/XXXX, stating that Kashable LLC has reported me as delinquent in payment, which is not true. I have my bank statement and the ACH agreement, which includes the payment dates. I called the customer service department today, XX/XX/XXXX XXXX, to ask them about this issue, and they stated their bank has not processed the payment as of yet, which is not my issue because, according to the date my bank deducted the payment, it was the date the payment was made to Kashable. As of today 's date, eight days have passed since I made the payment.

Company response to consumer: Closed with explanation