vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: FL

Complaint narrative:
In XXXX, I experienced a major issue with a XXXX XXXX  that was cancelled multiple times and delayed for over 24 hours. As a result, I was forced to sleep in the airport with no support or reasonable accommodations provided. I attempted to dispute this charge through American Express, but their process has been frustrating and opaque.

Amexs procedures have made it extremely difficult to communicate or stay informed about the status of the dispute. They do not send updates via email or mail, which forces me to manually check the portal without knowing if any new developments have occurredmaking it easy to miss key deadlines. On one occasion, Amex left a voicemail asking me to call back to discuss the dispute. I promptly called back twice, but never received a return call or follow-up. Eventually, Amex updated their portal without any notice, stating that my dispute had been declined. 

Their rationale was that I had been rebooked, but this rebooking was forced upon me, did not meet the original service I paid for, and resulted in severe inconvenience, including an overnight stay in the airport. According to Deltas own policies, passengers are entitled to a full refund if a mechanical issue causes a delay of more than 4 hourswhich clearly applies here.

I am requesting that Amex reevaluate this dispute and provide the refund I am owed for the affected portion of my travel. I would also appreciate a direct phone call to discuss the matter, as was originally promised. As a long-time cardholder, I had hoped to rely on Amexs customer service and protections, but this experience has been deeply disappointing. 

Lastly, I would like to raise a potential conflict of interest : this Amex card is co-branded with XXXX, the airline involved in the dispute. This may have influenced how my case was handled and should be reviewed by your office. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX  Report Confirmation : XXXX. This is a formal request for reinvestigation concerning the account listed as AMERICAN EXPRESS, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, the account is marked as a charge-off with a balance of {$1400.00}, which continues to be reported despite closure. The creditor has repeatedly referred to this account using Profit and Loss language in the credit reporting system. Under IRS XXXX XXXX, any cancellation of debt over {$600.00} classified as a profit and loss write-off requires the issuance of IRS Form XXXX No such form has been provided. This constitutes a federal tax law violation. A complaint has been submitted to the IRS XXXX XXXX XXXX. The continued reporting of a charge-off while maintaining a balance is misleading and violates FCRA XXXX ( b ). This dispute is supported by new evidence, including my XXXX XXXX Credit Report and IRS Notice XXXX. Under FCRA XXXX ( a ) ( XXXX ) ( A ), I am requesting a reinvestigation, and under FCRA XXXX ( a ) ( XXXX ) ( A ), this information must be deleted if unverifiable. The accounts continued updates after closure also violate accuracy standards and imply improper data reentry. Additionally, I do not authorize the sharing of this data with third-party data brokers such as XXXX, XXXX, XXXX, or XXXX, which is a violation of FCRA XXXX ( a ) and the Gramm-Leach-Bliley Act. I request immediate and permanent deletion of this account from my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-04-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: CarMax, Inc.
State: MO

Complaint narrative:
I recieved a Letter in the mail saying they could not approve me for a car loan and i did not sign up with them ( XXXX XXXXXXXX XXXX  ) or carmax XXXX ( XXXX City Location ). I called XXXX XXXXXXXX XXXX at XXXX and they said, they could not help me because i was not in system. I DID NOT GIVE PERMISSION TO XXXX XXXX XXXX Or CarMax XXXX ( XXXX City Location ) TO PULL CREDIT OR AUTHORIZATION FOR EITHER COMPANY TO DO ANYTHING ASSOCIATE WITH ME. 

i called carmax XXXX ( XXXX  City Location ) spoke with XXXX, account # XXXX and she said they did not send information out. but yet it's on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
Equifax Report Confirmation : XXXX. This is a formal reinvestigation request regarding the XXXX XXXX XXXX account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, the account is reported as a charge-off with an outstanding balance of {$3300.00} and remarks showing unpaid balance charged off. The account continues to be updated post-closure and includes language consistent with Profit and Loss classification. Under IRS Code 6050P, any creditor that cancels or charges off a debt over {$600.00} and reports it as uncollectible must issue IRS Form 1099-C to the consumer and the IRS. No 1099-C has ever been issued for this account, which is a violation of federal tax law. A formal complaint has been submitted to the IRS Criminal Investigation Division. Additionally, reporting a charge-off while continuing to reflect a balance is contradictory and violates FCRA 1681e ( b ), which requires the reporting of accurate and non-misleading information. This dispute is submitted with new material evidence, including my Equifax Annual Credit Report and IRS Notice 2012-65. Under FCRA 1681i ( a ) ( 1 ) ( A ), I request reinvestigation, and per 1681i ( a ) ( 5 ) ( A ), this account must be deleted if unverifiable. Post-closure updates also suggest unauthorized reinsertion of previously disputed data. I do not authorize the use of my personal financial data by XXXX, XXXXXXXX XXXX  or XXXX, as such use violates FCRA 1681b ( a ) and the Gramm-Leach-Bliley Act. I request immediate and permanent deletion of this account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Equifax Report Confirmation : XXXX. This is a formal reinvestigation request regarding the Hyundai Motor Finance account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, the account is reported as a charge-off with an outstanding balance of {$3300.00} and remarks showing unpaid balance charged off. The account continues to be updated post-closure and includes language consistent with Profit and Loss classification. Under IRS Code 6050P, any creditor that cancels or charges off a debt over {$600.00} and reports it as uncollectible must issue IRS Form 1099-C to the consumer and the IRS. No 1099-C has ever been issued for this account, which is a violation of federal tax law. A formal complaint has been submitted to the IRS Criminal Investigation Division. Additionally, reporting a charge-off while continuing to reflect a balance is contradictory and violates FCRA 1681e ( b ), which requires the reporting of accurate and non-misleading information. This dispute is submitted with new material evidence, including my Equifax Annual Credit Report and IRS Notice 2012-65. Under FCRA 1681i ( a ) ( 1 ) ( A ), I request reinvestigation, and per 1681i ( a ) ( 5 ) ( A ), this account must be deleted if unverifiable. Post-closure updates also suggest unauthorized reinsertion of previously disputed data. I do not authorize the use of my personal financial data by XXXX XXXX XXXX XXXX XXXX as such use violates FCRA 1681b ( a ) and the Gramm-Leach-Bliley Act. I request immediate and permanent deletion of this account from my Equifax 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 2025-04-21 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: KY

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. Accounts in Question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: KY

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. Accounts in Question : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
Today, I discovered that there's inaccurate personal information on my credit report, specifically my current address. I even tried reloading the page, thinking it might be a display issue, but the problem persisted. I kindly ask that the documentation I submitted be carefully reviewed to prevent any further concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-21 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/year> I was a victim of a XXXX XXXX scam. I was approached by XXXX men at an outdoor shopping mall and asked for a donation for a boy 's funeral. I agreed to donate XXXX $ but was charged XXXX XXXX I reported the charge immediately to the credit card ( apple card ). I provided a police report Incident # XXXX XXXX XXXX XXXX I provided social media accounts of people posting simillar scams. THis is now a well known scam on the streets of XXXX. 
My phone was used as part of a street scam under the guise of a donation for a little boy ' a funeral, and the individual who took it fraudulently charged {$2400.00} to my apple card without my authorization. The charge is labeled " XXXX 's XXXX and XXXX '' which is likely not a real business. I have asked XXXX to provide an explanation from the merchant as to what the charge is for, but have not received an adequate response. XXXX and Goldman Sachs repeated tell me I am responsible for this fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a dispute on transunion by mailing a dispute letter and a copy of my ftc report containing multiple inquiries I do not recognize Equifax verified the inquiries as accurate Today I called equifax and spoke with them for an hour and a half. Initially the agent stated that the ftc report was invalid because I did not list the date of the inquiries in question which are from XXXX XXXX XXXX and XXXX. 
I advised the agent to read the personal statement where I have all of the inquiries and dates listed.she then put me on a long hold only to return and tell me now the ftc report was invalid because the ref number at the top right of the page was outside the valid min/max range XXXX HAS ANYONE EVER HEARD OF THIS NONSENSE? 
She got tired of me challenging her nonsense and hung up on me

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