vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
There is no dates to look at except on my Credit Report. I have had history of credit since XXXX. I have been having any where from 1 to 2 vehicles since XXXX. I made payments to XXXX XXXX bank in Amounts of {$900.00} a month, at mostly 2 at same time. I have paid off Amounts of over $ XXXX to $ XXXX in 10 loans, personal loans over $ XXXX, credit cards since XXXX never had late payments. Paid off a mortgage since XXXX in amount of over $ 500k. This is very wrong and I am being robbed every month duty to high interest rates, and credit report stating only XXXX of history, my score is XXXX, this is or it should be illegal to take {$400.00} to {$800.00} a month from a XXXX combat vet. 


I have been denied credit cards, loans, from the following Companies since they do not look at the Report like it was XXXX ago. It is all about money, and concerns of a lawsuit, so they have a computer algorithm to look at the report. A human would see that made payments ontime and to delete the credit history is not RIGHT, Denied by American Express XXXX loans XXXX XXXX bank charging double interest when paid over {$400.00} to {$800.00} a month. 
XXXX XXXX outstanding insurance rates, state my vehicle has ( theft, title, or damage issues ) The XXXX XXXX XXXX XXXX Vet having to do all run around to prove the car is not, taking defensive driving course away when havent expired, total claims of 2 XXXX were cause of recall issues, not completing the evaluation report of damages, using wholesale items not regarded the safety factors. 

XXXX XXXX trying to make XXXX Person sign documents that were self incriminating, false official statements to clear the mistakes, when it was not correct, not following repayment guidelines, requiring XXXX Person pay over 10 % a month ( {$900.00} claiming they found issue, when I notified them. Having myself find transportation, and make payments via mail, when whole world does it electronically. Also, I am homebound. 
XXXX XXXX, not finishing an Accident Claim, making me stranded with out transportation for 12 days, then offering $ XXXX or less for dimension value for a $ XXXX dams Damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: WA

Complaint narrative:
The merchant presented me with an inflated bill and would not let me leave until I signed paperwork. Staff forced me to allow photographs of my XXXX XXXX and credit card, and made me sign a contract under duress. This was not valid consent. 

I disputed the charge with American Express. The company initially reviewed my claim but later rejected it, stating that the merchant provided signed documentation. However, the documents they are relying on ( receipt, ID copy, waiver ) were obtained through intimidation and coercion, not a legitimate purchase. 

I provided evidence including public XXXX and XXXX reviews showing that other consumers have reported nearly identical scams by XXXX XXXX. Despite this, American Express denied my dispute and held me responsible for the entire {$1600.00} charge. 

I am requesting that American Express reverse this charge, as it was obtained through fraud and coercion and should not be considered a valid transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions Attn : Consumer Center XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear LexisNexis Compliance Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source. 

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed. 

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion. 

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 

Attached is a copy of my drivers license and proof of address for identity verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is myfourth formal complaintagainst credit bureau for non-compliance with theFair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) concerning fraudulent accounts resulting from identity theft.

Previously, I submitted a complete FTC Identity Theft Report, proof of identity, and supporting documentation, all required under FCRA 605B. Credit bureau hasrefused to block the fraudulent accountsand sent a letter denying my request, despite full legal compliance on my part. 
The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I did not open or authorize these accounts. They are the result of identity theft and do not belong to me. 
Although these accounts arenot currently appearingon my credit file, I am concerned they may bereinserted, especially in light of credit bureau denial of my prior request. credit bureau refusal to block these tradelines, even temporarily, is a violation of their legal obligation to act within4 business daysunder FCRA 605B.

I am requesting the following : Immediate confirmation that these accounts will bepermanently blockedfrom my credit file. A formal explanation of why the FTC Identity Theft Report was denied Written assurance that these accounts willnot be reinsertedinto my report at a later date Attached to this complaint : A copy of TransUnions denial letter Updated FTC Identity Theft Report Valid photo ID Proof of my current address Please take immediate action to ensure full compliance with federal 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is myfourth formal complaintagainst credit bureau for non-compliance with theFair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) concerning fraudulent accounts resulting from identity theft.

Previously, I submitted a complete FTC Identity Theft Report, proof of identity, and supporting documentation, all required under FCRA 605B. Credit bureau hasrefused to block the fraudulent accountsand sent a letter denying my request, despite full legal compliance on my part. 
The accounts in question are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I did not open or authorize these accounts. They are the result of identity theft and do not belong to me. 
Although these accounts arenot currently appearingon my credit file, I am concerned they may bereinserted, especially in light of credit bureau denial of my prior request. credit bureau refusal to block these tradelines, even temporarily, is a violation of their legal obligation to act within4 business daysunder FCRA 605B.

I am requesting the following : Immediate confirmation that these accounts will bepermanently blockedfrom my credit file. A formal explanation of why the FTC Identity Theft Report was denied Written assurance that these accounts willnot be reinsertedinto my report at a later date Attached to this complaint : A copy of TransUnions denial letter Updated FTC Identity Theft Report Valid photo ID Proof of my current address Please take immediate action to ensure full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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 am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: IL

Complaint narrative:
I still haven't received the {$100.00} bonus for having direct deposits totaling {$400.00} or more within 60 days and activating the debit card. That was the main reason I signed up for this 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 explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian in the past couple days has ran my social security number against my report without my permission. The company has also sent my information as an inquiry to multiple mortgage companies. Because of inquiry that got my report. The company also has still not removed collection account that is over 6 years old.

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 2025-09-13 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: CA

Complaint narrative:
RE : Equifax credit report Account : XXXX  XXXX account number XXXX I am writing again to formally dispute inaccurate and misleading information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). 
The account listed above is being reported with derogatory payment history, a status of closed by credit grantor, and a notation that it was previously in dispute now resolved. This reporting is inaccurate and incomplete for the following reasons : Previously disputed but never validated This account was previously in dispute. I was never provided proper validation or verification of the reported late payments by the furnisher, but the lates continue to be reported. Under FCRA 611 and 623, unverified or reinserted data must be deleted. 

Misleading closure status The account was paid with a {$0.00} balance at the time of closure. Reporting closed by credit grantor creates the false impression of default, which is inaccurate and misleading under FCRA 607 ( b ). 

Unverifiable late payments The account reflects multiple late payment notations ( XXXX/XXXX/120 days ) without any documentation provided to substantiate these claims and no report of any 30 day lates, this is not accurate reporting. If XXXX XXXX can not produce complete payment records, these entries must be deleted under FCRA 609 and 611. 
In light of the above, I am requesting that this account and all associated derogatory payment history be removed in its entirety from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I have a debt collection of {$4800.00} that was sold to National Credit Systems by XXXX XXXX XXXX. An apartment community in XXXX, MD. XXXX XXXX landing does not possess a collections license to collect debt on behalf of XXXX XXXX and The Attorney General is taking the position that property management companies must have a collections license to collect rents and file failure to pay rent actions. I do believe it is lawful for an unlicensed entity to purchase or sell debts. They have placed judgements against me, threatened to evict me, and sold this debt without having the proper licensing required in XXXX jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an American Express XXXX Card that was cancelled without any notice. Later got a letter from American Express that I had a dispute that was not done in good faith, in their opinion, however I presented the police report and stated that every single dispute was a legit claim and had a corresponding police report, as I did not violate any credit card terms. I want a review on my account. I want American Express to take this complaint seriously and to review and re-open my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
Here are the 13 inquiries I called for Transunion and the 4 inquiries I called for Experian : Unauthorized without my consent XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX Experian Inquiries XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
I can not believe that the inaccurate account is still present on my credit report and has not been cleared away. I urgently need the documents I attached to be examined with full care so I can stop living in fear and finally move forward without this weight.

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 2025-09-13 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: PA

Complaint narrative:
I am extremely upset to see that the inaccurate account is still showing up on my credit report and it has not been taken off. I am begging that the documents Ive provided be reviewed carefully so I can finally have peace of mind and not live with this burden any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NM

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am disputing Experians continued reporting of a XXXX  XXXX bankruptcy filed in XXXX and XXXX in XX/XX/XXXX. 

On XX/XX/XXXX, the U.S. Bankruptcy Court for XXXX XXXX XXXX of Wisconsin issued a signed letter confirming that the Court does not furnish, verify, or report consumer information to credit bureaus. Despite this, Experian continues to report the bankruptcy as verified. 

When I requested the method of verification, Experian admitted that it relies on XXXX, a third-party data vendor, as its source. XXXX is not the original furnisher of the record and therefore can not serve as lawful verification under the Fair Credit Reporting Act ( FCRA ). 

Additionally, an Experian specialist responded to my dispute with the statement : Item already matches the dispute request. Experian also states that the record remained unchanged from our processing of your dispute in XX/XX/XXXX, proving they are recycling an old reinvestigation rather than conducting a fresh review, in direct violation of FCRA 611 ( a ). 

By refusing to reinvestigate, relying on a third-party vendor instead of the Court, and continuing to report unverifiable information, Experian is willfully violating FCRA 607 ( b ) and 611. This bankruptcy is unverifiable and inaccurate and must be deleted from my credit file 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