vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX INQUIRIES XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX  Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
1. I find a flight fhrough American Express rewards partner ( XXXX ) On XXXX XXXX XXXX page I saw Business Class 2seats for XXXX points. 

My Aeroplan balance was 0points at that time.

Screenshot1 ( attached ) captures the exact display.

2. I Transfer Membership Rewards points ( XXXX XX/XX/year> ) I transferred XXXX American Express XXXX Rewards points to Aeroplan.


Screenshot2 is the transferconfirmation email from American Express.

3. Flight now disappears ( XXXX XX/XX/year> ) Rerunning the identical search showed No flights available. 

Aeroplan balance now reflected XXXX points. 

Screenshot3 documents this moment.

4. flight reappears and the Price doubles ( XXXX XX/XX/year> ) The same flight reappeared, but now read Select seatsfromXXXX pointsprice became per passenger instead of total.

Screenshot4 shows the revised display.

5. Contacts and case handling Aeroplan : Supervisor noted my account that I transferred points based on the original 2seats forXXXX display and made no booking. They advised only AmericanExpress can reverse the transfer. 

AmericanExpress : Case XXXX XXXXXXXX opened ; after review Amex declined to reinstate the points, asserting transfers are final and this was not an Amex error.

This is a system error who takes accountability doesn't matter to me. It's not consumer error or some sort of buyers remorse. 

The fare box explicitly stated 2seats forXXXX specific representation overriding the generic page header that fares are per person. 

The pricing changed within minutes, confirming the initial display was incorrect. 

I acted in good faith, transferring the exact amount shown, yet received no flight and no value. These points will not be used in Aeroplan. They are simply stuck there. 

Harm XXXX Membership Rewards points ( XXXX value ) are now stranded in Aeroplan with no practical use.

Both programs acknowledge the facts but neither will correct the loss. Aeroplan claims they can not do anything, Amex claims they can not do anything as it was not their error.

Attachments : four timestamped screenshots ( Screenshots14 ) Red arrows have been added to highlight exactly what was seen and described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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 XXXXXXXX XXXX XXXX 
I submitted proof that these accounts are not mine and not validated. These companies have yet to Removed them. Im requesting a full investigation into this matter. I also cited law that was ignored.

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 2025-07-21 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: NY

Complaint narrative:
I previously notified the credit bureaus that I am a victim of identity theft. The bureaus removed the fraudulent names and addresses but put the fraudulent accounts back on my 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 2025-07-21 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that appear to be fraudulent. I am requesting that this account be removed from my credit report, as it is negatively impacting my ability to obtain credit.

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 2025-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.l am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. reported the the of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: NY

Complaint narrative:
I went to XXXX XXXX company with my XXXX XXXX I spend XXXX weeks XXXX  with them and I dont like over XXXX XXXX and I quit their send me a credit bill in my collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
After reviewing my chexsystems report I noticed inquiries that are not familier to me I am requesting the inquiries to be removed from my chexsystems 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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Hanson Capital LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a recent experience I had with XXXX XXXX and Hanson Capital in connection with financing for a fix-and-flip property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX 

I initially applied for a loan through XXXX XXXX and was in communication with their representative, XXXX XXXX. During our discussions, I was provided with loan terms that included a stated monthly mortgage payment of {$580.00}. I noticed an error in one of the documents, where the monthly payment was incorrectly listed as {$5000.00}. When I brought this to XXXX XXXX attention, he acknowledged it was a typo and reassured me that the correct payment would be {$580.00}. 

XXXX XXXX also explained that the rehab draw process would be simple and quick, and that the loan could be closed rapidly due to the approaching closing date. However, I was never provided with documentation or a clear explanation of the draw process prior to closing. 

On XX/XX/year>, a mobile notary arrived at my location to conduct the loan signing. While reviewing the loan documents, I discovered that the lender was actually Hanson Capital, not XXXX XXXX as I was originally led to believe. Furthermore, the documents reflected a monthly mortgage payment of {$1200.00}, which was {$690.00} more than what I was originally told. Additionally, I found that the draw process was significantly more involved than previously described and required a {$290.00} fee per draw, none of which had been disclosed to me in advance. 

I immediately contacted XXXX XXXX and had him on speakerphone with the notary present. He acknowledged the discrepancies and admitted to the error regarding the quoted monthly payment. He also conferred with another representative, a woman named XXXX ( whose last name I do not have ), who confirmed this information. However, they did not offer to correct the documents or amend the terms. Instead, they told me this was how it will be and encouraged me to proceed with the signing and they are there for any questions for reassurance. Reassurance isnt what I needed when the loan terms were different than what was provided. 

Given these material discrepancies and the lack of transparency throughout the process, I chose to cancel the signing. I felt extremely uncomfortable and misled. This experience has caused undue stress and concern, and I believe it may constitute a violation of the Truth in Lending Act ( TILA ), which is intended to protect consumers from deceptive lending practices and ensure clear disclosure of loan terms. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter further. I am happy to provide copies of the documents and any communications upon request. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Collection Management LLC
State: AZ

Complaint narrative:
I defaulted on a loan with XXXX XXXX XXXX ( XXXX ), which assigned the debt to a collection agency, CCMR3. Around XX/XX/year>, a lien was placed on my XXXXXXXX XXXX  account. Given XXXX  prior garnishment efforts, I assumed the lien was from them. 

I called CCMR3 and spoke with XXXX, who stated the lien could be lifted if I submitted a proposal for repayment. I asked directly what was required to remove the lien, and she repeated that a satisfactory proposal would be sent to outside counsel for review. I submitted the proposal and the lien was lifted shortly after. 

However, when I called the XXXX XXXX XXXX XXXX Department to verify, I learned that the lien was from the Arizona Department of Revenue, not XXXX  or CCMR3. XXXX either knew or should have known this. Her statements misrepresented the origin of the lien, which I believe was a deceptive practice under the FDCPA.

I have a recording of the call and I am requesting an investigation into this deceptive conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
XXXX'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the reporting of a XXXX XXXX  bankruptcy currently listed on my credit file. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( 4 ), consumer reporting agencies must operate with fairness, impartiality, and respect for privacy in handling consumer data.

Upon review, I believe this bankruptcy entry is either : Inaccurately reported, Outdated or unverifiable, Or being disclosed in a manner inconsistent with federal reporting standards.

I hereby request that you : Provide detailed documentation proving the accuracy and completeness of this bankruptcy record ; Identify the original source of this information and confirm whether it was obtained directly from the court ( as courts do not furnish data to credit bureaus ) ; Investigate the legality and compliance of this entry under the FCRA, including whether it meets the requirements for verified, permissible purpose-based reporting.

If you can not fully verify the record 's accuracy within the legally required timeframe, the information must be deleted immediately in compliance with 15 U.S.C. 1681i.

Please provide me with a written response of your findings and a revised copy of my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PA

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-21 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: PA

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am a victim of XXXX XXXXXXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-21 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-22 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed an account that appears to be fraudulent. I am requesting that this account be removed from my credit report, it is hurting my ability to obtain credit.

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