vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
This complaint follows CFPB XXXX # XXXX and XXXX XXXX XX/XX/XXXX response ( Ref. XXXX ). 

In that letter, Amex contradicted its own prior statement from XX/XX/XXXX ( Ref. XXXX ). The first letter claimed my disputes could not be completed due to the age of the charges and cited the XXXX billing-error rule ( 15 U.S.C. 1666 ). The later letter then claimed the same disputes were resolved in favor of the merchant. Both statements can not be true. 

The charges in question total {$24000.00} across my Amex Gold Card ( ending XXXX ) and XXXX XXXX XXXX Card ( ending XXXX ) : {$490.00} on XX/XX/XXXX {$14000.00} on XX/XX/XXXX {$10000.00} on XX/XX/XXXX Merchant : TXXXX  / Elevated Coaching and Mentorship ( XXXX XXXXXXXX XXXX XXXX. 

These payments were induced by fraudulent and deceptive claims for a done-for-you business program that never delivered the promised services. This merchant is now the subject of an active civil lawsuit in XXXX XXXXXXXX XXXX XXXX XXXX District Court, Case No. XXXX ) and multiple FTC complaints. 

I asked Amex to : Reopen the dispute under 15 U.S.C. 1666i ( Claims and Defenses Rule ) and the FTC Holder Rule ( 16 C.F.R. 433 ), which have no XXXX limitation ; Provide its compliance policy and procedure for handling such claims ; and Refund the {$24000.00} by check or direct deposit ( since both accounts are paid in full ). 

Amex refused to provide this information and continued to rely on the XXXX billing-error provision, which applies only to clerical errors not merchant fraud or misrepresentation. 

I incurred additional interest and minimum-payment charges while resolving these balances, including using a self-directed IRA to pay off XXXX XXXX XXXX XXXX XXXX. 

Requested Action : Require Amex to provide its written compliance policy for XXXX and the FTC Holder Rule. 
Escalate this matter to CFPB Enforcement / Supervision for pattern-and-practice review. 
Require Amex to refund the {$24000.00} plus related interest and fees arising from this fraudulent transaction. 

Attached are Amex communications, billing screenshots, and prior CFPB filings establishing a repeated refusal to process a fraud/misrepresentation claim under 15 U.S.C. 1666i and 16 C.F.R. 433. 
The files show Amex citing only the XXXX billing-error rule ( 1666 ), then contradicting itself by later claiming the same disputes were resolved in favor of the merchant. 
These materials demonstrate systemic misrepresentation and non-compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Block, Inc.
State: CA

Complaint narrative:
This complaint is regarding a serious issue involving XXXX, who funded my XXXX XXXX purchase. Please investigate this matter as I have made multiple attempts at chat messaging, emailing or calling the credit card company to explain the seller deception & return label sabotage that was involved with the transaction. I reached out to XXXX a total of over XXXX times just via email and XXXX times via chat support that has lead to only being looped and never supported directly. 
Based on the above, XXXX XXXX XXXX processed a refund via XXXX XXXX, followed by an immediate reversal/withdraw of that decision, citing XXXX as the responsible party after suggesting the customer to discard the item. 

To date, I have not received any acknowledgment from XXXX that has allowed me to resolve the issue of being sold something other than what I ordered or any assistance at all. I specifically request all correspondence be kept in writing due to my being met with continued dishonesty and delay from XXXX, despite submitting detailed evidence in writing, via email and chat messaging support. 

Key facts : XXXX : XXXX ( XXXX XXXX solid gold birthstone Jewelry Large name plate Necklace ) Refund was initially approved by XXXX from XXXX then reversed without resolution & instructed to contact afterpay for resolution Multiple return labels generated through XXXX failed to print correctly ( void/faded/missing barcode/label cutoff ) despite use of new ink, factory-reset printers, new printer purchase and proper formatting The seller altered their customization character limit mid-dispute, affecting item traceability This issue resulted in significant time loss, stress, and financial harm The situation has escalated beyond a routine return this was a deliberately obstructed refund by XXXX and has been compounded by XXXX  XXXX  manipulation of listing details and return shipping label inconsistencies with ongoing delay I respectfully request : XXXX. A direct written response XXXX. Immediate refund resolution for the full amount XXXX. Internal review of these business practices that enable unethical system behavior suchas blocking uploads or photographic proof, omitting time stamps of chats and names of associates involved All relevant evidence has been preserved & is available upon request since this system is now blocking my ability upload but all other functions are working fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-27 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: TX

Complaint narrative:
I am submitting to formally dispute certain items that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. Additionally, under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. The items I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Finmax Smart Capital LLC
State: GA

Complaint narrative:
Called job XXXX times at XXXX Sent text messages to my boss Asked them to stop calling my job and the refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX, XXXX, authorized representative of consumer XXXX XXXX, regarding Ally Financials failure to provide verification of disputed account information. Despite a formal dispute sent on XX/XX/year>, and a follow-up letter, Ally Financial has not produced the required documentation or explained how the reported account was verified as accurate. This lack of response violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to conduct a reasonable investigation and provide proof of accuracy. The consumer, through his authorized representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requests that Ally Financial either submit proper verification documents or immediately remove the inaccurate account from all three credit bureaus to ensure compliance with federal law. ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
This is a follow-up complaint regarding TransUnion continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
DriveTime, the parent company of XXXX, has failed to supervise or correct ongoing misconduct by its subordinate department. For more than a week and a half, I have received no updates or communication regarding my vehicle, which was repossessed on XX/XX/year>. 

XXXX initially claimed to have inspected the vehicle through photographs to prove no damage occurred. When I pointed out that drivetrain and undercarriage damage can not be assessed through pictures, I was told by Senior Manager XXXX XXXX that DriveTime would authorize an independent inspection by XX/XX/year>, at my expense. After I agreed, they demanded to know the name of my inspector to ensure the proper paperwork was completed. I refused, as there is no legitimate reason for DriveTime or XXXX to require that information before inspection access. 

Immediately after, I was told the vehicle was still located at my home addresswhere it has not been since XXXX XXXX that my personal property was moved toXX/XX/XXXX without my consent. I have not been given contact details for the individuals or facilities holding my property, nor any inventory or chain-of-custody documentation. 

When I questioned these inconsistencies, all communication stopped. I was redirected to legal, which has refused to respond since XX/XX/XXXX. This silence, combined with multiple conflicting statements, raises serious concern that unauthorized repairs or reconditioning are being conducted on the vehicle to conceal prior damage. 

DriveTime is responsible for supervisingXX/XX/XXXX compliance and vendor conduct. They have failed to ensure lawful communication, transparency, or accountability in this matter. 

Additionally, both DriveTime and XXXX have disregarded my federally protected XXXX accommodation requiring all communication in writing ( email or text only ). Despite repeated formal notices, they continue with unresponsiveness or delayed responses instead of actively communicating in writing, violating my right to effective communication under federal law. 

As a direct result of DriveTimes negligence and concealment, I have suffered severe financial loss and extreme emotional distress. I have been without income or transportation for nearly six months and continue to face escalating hardship due to their refusal to act in good faith or comply with legal standards. This conduct warrants supervisory investigation into DriveTimes oversight failures, vendor management, and ADA noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I am disputing the late payment reporting on my closed XXXX account XXXX This information is inaccurate and unverifiable. 

The account shows a {$0.00} balance, was closed by the credit grantor due to inactivity, yet it is still being reported as XXXX days late. Under the FCRA 1681e ( b ), furnishers must ensure maximum possible accuracy of credit information. If the account was closed and there is no outstanding debt, reporting severe delinquency is inconsistent and misleading. 

I am requesting that the furnisher provide complete documentation validating : The specific dates the payments became late Proof that a delinquent balance existed during those dates Billing statements showing I was notified of late status Exact date of charge-off or delinquency event If the furnisher can not validate the accuracy with proper documentation, the late payment status must be removed from all credit bureaus ( TransUnion, Experian, Equifax ) . 

This incorrect negative reporting is harming my creditworthiness and must be corrected immediately under FCRA compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Company name Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX diversified adjustment services llc account number XXXX Amount {$3200.00} I am writing to formally request that you cease all communication with me, as well as with my family, friends, or employer, regarding any alleged debt you claim I owe.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me. I am exercising that right.

Please be advised that : You are to immediately stop all phone calls, letters, emails, or other communication attempts.

You may contact me only to confirm that you will cease communication or to notify me of specific legal action you intend to take.

Additionally, if you believe I owe a debt, please provide written validation of the alleged debt, including : The name of the original creditor, The amount of the alleged debt, And evidence showing that I am legally obligated to pay it.

Failure to comply with this request may result in a report to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office for violation of the FDCPA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
Someone with the initials XXXX XXXX rented a car from XXXX at XXXX XXXX XXXX XX/XX/year>. She returned the car on XX/XX/year>. The rental cost was {$1000.00} charged on XX/XX/year>. The Rental Agreement number was XXXX. The Reservation ID was XXXX. 

The rental agreement shows that it was a cash rental and that it was paid for with a voucher. 

I don't know XXXX XXXX I was not in the XXXX area on these dates. I have nothing to do with the rental. None of my information is on the Rental Agreement. 

XXXX went and charged this rental to my own credit card, a Chase Visa. I did not provide my credit card for the rental however XXXX has my information because I'm a XXXX # XXXX XXXX member and I rent vehicles from them. 

I disputed this charge with Chase and XXXX sent Chase the Rental Agreement to justify the charge. Again I want to emphasize that none of my information is on the Rental Agreement. 

My complaint is that the Rental Agreement does not prove that it was my own purchase. In fact it shows that the charge was not mine but Chase immediately denied my dispute on XX/XX/year>. I believe that Chase did not review the Rental Agreement details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX

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 2025-10-27 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting to formally dispute multiple inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. Upon reviewing my credit report, I have identified the following inquiries that I did not authorize and which I believe were made without a permissible purpose : The inquiries I am disputing are as follows : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In addition, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request the blocking of information on their credit report that results from unauthorized or fraudulent activity. This provision requires a credit bureau to block such information from future reports once it has been disputed, unless the bureau can verify it with clear evidence. Since I never authorized these inquiries, they must be treated as unauthorized information and are subject to blocking under 605B.

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