vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My email account was compromised allowing a criminal to access my XXXX account. The email compromise was sophisticated, with the person setting up filters for any emails containing the words, " XXXX '', " chase '', " bilt '', " biltrewards '', " apple '', " newegg '', and " paypal '' to all filter directly into the " trash '' folder, making them extremely unlikely to be seen. Luckily, they didn't change my phone number and I got an alert from XXXX of an upcoming delivery. Knowing I hadn't ordered anything I investigated. It was a laptop and a pair of slippers being delivered to a XXXX XXXX address in California under my name. I contacted Chase and XXXX regarding this fraudulent charge immediately, before it even shipped. The fraudulent charge used XXXX of my Chase benefits, it used XXXX Chase reward points to partially purchase the laptop, and the remaining balance of the order was charged directly to my Chase credit card. Whatever way XXXX cancelled the order makes it so it no longer shows on my XXXX account whatsoever, additionally the exact amount initially charged to my credit card is gone now that the order is canceled, but it was approximately {$650.00}. I immediately called Chase and got them to secure my account, getting new CC numbers and having new cards sent. Additionally I contacted XXXX who were also able to help me secure my account. I'm unsure if my pending CC charge of approximately {$650.00} was cancelled due to XXXX cancelling the order or Chase rejecting it due to fraud. Either way, I was made whole regarding actual money. However, Chase is refusing to refund my XXXX points that are fraudulently used. After sending them the supporting documents they asked for from their fraud department ( screenshots of all my XXXX orders from the 10 days prior to the fraudulent charge ) several hours after sending the requested info I got an email rejection letter from them saying that they have determined that I did, in fact, use the points myself. Despite calling all parties involved and getting the shipment cancelled before it even was sent to the criminal. XXXX is out nothing, the laptop never was delivered, Chase should be out nothing, as the order was canceled by XXXX. The only person harmed is me, losing almost XXXX in reward points, a cash value of almost {$1000.00} that I'm being denied. I would also like to point out that my XXXX XXXX credit card account was also affected by this unauthorized access, and also had points fraudulently redeemed on apple.com, and XXXX XXXX XXXX XXXX XXXX XXXX, indeed, fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
They charged debt and not allowing me to get into my account to see what they are charging for. I can no longer see and they are striking against my credit even though they closed the 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 monetary relief
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
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: GA

Complaint narrative:
I sent three certified dispute letters to the credit bureaus ( XXXX XXXX, and XXXX ) requesting the removal of inaccurate student loan accounts from my credit reports. Those letters were sent under my nichts granted by the Fair Credit Reporting Act ( FCRA ). 
Despite confirming delivery, the bureaus have not removed or verified the accounts, nor have they provided proper responses. This is a violation of FCRA, which requires a reasonable investigation and removal of unverifiable or inaccurate information within XXXX  days. 
These student loans are not accurate, are damaging my credit, and the credit bureaus are not complying with consumer protection laws. I am asking the CFPB to investigate and ensure the inaccurate information is removed.

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX  XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Reporting Account XXXX AUTO ( XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently being reported on my Experian credit file regarding the account listed as XXXX XXXX  ( XXXX ). 



XXXX. Basis of Dispute Experian is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. Reporting an account as both Charged Off / Written Off and simultaneously showing a past due balance of {$13000.00} is contradictory and materially misleading.

1681i ( a ) : Failure to conduct a reasonable reinvestigation. Your completed investigation with consumer disagrees does not resolve the dispute when the evidence shows ongoing inaccuracies.

1681s-2 ( b ) : Failure by the furnisher ( XXXXXXXX XXXX XXXXXXXX ) to properly update or delete inaccurate information upon receiving notice of my dispute. 



XXXX. Supporting Case Law Against Experian Experian has a documented history of FCRA violations in federal courts, including but not limited to : Ramirez v. Experian ( XXXX ) : In this class action, Experian ( along with TransUnion ) was found liable for reporting false or misleading information without adequate verification, leading to violations of consumers rights under the FCRA. 
Younger v. Experian Information Solutions , Inc., 2020 WL 6268672 ( N.D. Ill. ) : Court ruled that Experians failure to correct inaccurate reporting after a consumer dispute constituted a willful violation of the FCRA. 

These cases show a pattern and practice of Experians reckless disregard for accuracy and compliance with the FCRA.

3. Specific Inaccuracies on My Credit Report Account shows {$29000.00} written off while still listing {$13000.00} past due, which is logically inconsistent and misleading to future creditors.

Payment history continues to reflect ongoing late payments after the charge-off date, which constitutes impermissible re-aging and double-reporting of derogatory information.

The consumer disagrees notation after your reinvestigation does not cure the inaccuracy or fulfill Experians legal obligations under 1681i.

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 2025-09-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MO

Complaint narrative:
This complaint is in direct connection to my prior complaint under ticket number XXXX, which also concerned the XXXX account. I have filed multiple disputes since XX/XX/year>, always identifying this same account, yet Experian continues to claim my dispute is not specific. That assertion is blatantly false and is nothing more than a deliberate stall tactic. 

Under the Fair Credit Reporting Act ( FCRA ), disputes must be resolved within 30 days ( XXXX maximum ). Experian is well beyond this legal timeframe. Their failure to act is a direct violation of federal law and a willful disregard of consumer rights. 

I am also well aware of the back-end communications that exist between Experian, the Attorney XXXX office, and federal agencies, where strategies are quietly discussed to delay or deflect consumers like myself. Let it be known these tactics will not work. All they do is create a larger paper trail of negligence and complicity.

At this point, I am demanding that Experian provide proof, under federal law, that issuing a copy of a credit report constitutes a valid form of investigation or validation for an account under dispute. The FCRA makes no such allowance, and I expect Experian to show exactly where this practice is legally permitted or admit that it is not. Furthermore, let it be clear that sending me copies of Experians own internal policies does not satisfy this demand. Company policy is not federal law, and can not substitute for proof of statutory authority.

If this proceeds to legal action, every stall tactic, every false excuse, and every ignored deadline will be exposed in open court. Anything Experian thinks it can hide will come to light.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
CFPB Complaint American Express Complainant : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX Company : American Express XXXX XXXX XXXX. Box XXXX XXXX XXXX, TX XXXX Issue : Arbitrary credit limit reduction and abusive account review practices, harming my credit profile and creating consumer hardship. 

Summary of Complaint I have been a loyal American Express cardholder since XXXX ( 18+ years ) with a spotless payment history. I have never been delinquent and have consistently paid down balances responsibly. Despite this, on XX/XX/XXXX, American Express suddenly reduced my credit limit from {$23000.00} to {$5300.00} ( a 77 % cut ). 
This reduction was not triggered by late payments, high utilization, or any negative behavior. In fact, the reduction occurred immediately after making a {$40.00} XXXX purchase. 
Separately, my account has been flagged multiple times within seconds of small, routine transactions ( for example, getting gas, paying for XXXX ). Each time, I received automated notices demanding XXXX  paydowns ( e.g., {$1400.00} within three days ) or risk being placed under review. 

Why This is Abusive These reviews are not fraud prevention they occur immediately after legitimate purchases. 
The forced paydowns are arbitrary, not linked to risk or delinquency. 
The drastic credit limit cut creates the false appearance of over-utilization, directly harming my credit score despite perfect repayment history. 
This practice punishes loyal, responsible customers and creates financial instability rather than promoting responsible credit use. 

Impact My available credit dropped by 77 % overnight, skewing my utilization ratio and lowering my credit score. 
I have been forced to comply with arbitrary paydown demands just to continue using my account. 
The practices have created significant stress and uncertainty around access to my own credit line, despite 18 years of loyalty and responsible use. 

Requested Resolution Immediate review and reversal of the credit limit reduction on my account. 
A clear explanation from American Express as to why my account was flagged and penalized despite no delinquency, high utilization, or risk indicators.

Regulatory review of American Express practice of slashing limits and imposing arbitrary paydown demands on long-term, responsible customers without justification. 

( Filed with American Express on XX/XX/XXXX ) I previously notified American Express in writing that these account review tactics are abusive and hostile, and that they undermine rather than support responsible credit use. I requested that my objection be placed on file with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MECHANICS BANK
State: SC

Complaint narrative:
In my letter, I disputed the alleged debt and requested documentation proving that I owe it, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company has continued collection activity, including remove in 4 business days This is a violation of my rights under the FDCPA because they are attempting to collect without providing proper validation and ignoring my cease-and-desist request. I am requesting that the CFPB require this company to stop all collection activity until they provide full validation of the alleged debt, and to correct any inaccurate reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'll start with this question : Can more than one mortgage servicer be assigned to a loan at a closing on a house? 
On XX/XX/scrub>, XXXX  I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXX XXXX  at my closing, but XXXX XXXX XXXX XXXX XXXX is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). XXXX, XXXX  XXXX, XXXX and XXXX XXXX XXXX, XXXX have somehow teamed up together to try to take my home from and sell it. XXXX XXXX XXXX XXXX XXXX is a registered collection agency with the state of North Carolina, and I never signed a contract with them to do business. I have attached some documents and if I need to send additional information, please let me know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the XXXX XXXX, XXXX account being reported on my credit file. 

Despite multiple written requests for validation from Experian, they have failed to provide competent evidence proving the accuracy, completeness, and validity of this alleged debt. Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed item. Continuing to report unverifiable information constitutes a violation of federal law.

Further, under FCRA 1681c-2 ( a ), if a consumer disputes the accuracy of information and the furnisher can not verify it, the credit reporting agency must promptly delete the item from the consumers file.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
citi bank closed my account for no reason! 
and they keep giving me the run around and sending me hundreds of mail none that contain any useful information. 

Citi Reference Number : XXXX name : XXXX XXXX account number : 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 monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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