vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I canceled my American Express card shortly after a {$130.00} payment attempt failed due to insufficient funds. Before the failed payment was ever resolved, Amex refunded the {$320.00} annual fee on my account and applied a {$75.00} credit. 

Despite this, I was later told I owe {$130.00}. I requested an itemized breakdown multiple times, and only after escalation to a supervisor was I told the balance includes : {$40.00} for a gym charge ( which I acknowledge ), {$75.00} as a reversal of the credit they gave me, And {$27.00} as a return payment fee for the failed payment attempt. 

This {$27.00} fee feels unfair and predatory. The payment was made in good faith before I canceled the account, but the refund issued afterward made that payment unnecessary. Penalizing me for a failed payment toward a balance that no longer existed seems unethical. 

I am requesting a formal review and that Amex waive or remove this {$27.00} return fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-07 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:
What happened : This is my second time filing a complaint with the CFPB regarding this issue. 
I am reporting Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ). I previously submitted a complaint and a written dispute regarding a charge-off account from XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and a collection account from Diversified Adjustment ( XXXX ). I included my FTC Identity Theft Report, proof of identity, and requested full verification. 
Despite that, Experian responded with a generic " verified '' status and did not provide any documentation or validation. No signed contract, billing history, or proof of debt ownership was ever provided. 
Under FCRA 1681i, the bureau is required to conduct a reasonable reinvestigation. Under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Neither requirement has been fulfilled. 
Furthermore, XXXX XXXX never issued a XXXX tax form, which is typically required for charge-offs over {$600.00}. This calls into question the legitimacy of the charge-off classification. 
This continued failure to provide legally required documentation is harming my credit and finances. I request that these unverifiable accounts be removed 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
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Balance is wrong, Ive asked the company to provide proof of my account information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr Cooper forced us to get flood insurance that was not required by first listing our property in zone XXXX  while XXXX showed us in flood zone XXXX. They finally acknowledged their mistake but then claimed it was required by their investor because we were in a XXXX. A letter from Mr Cooper dated XX/XX/year>, stated " we are temporarily suspending the flood insurance requirement, which could resume in the future ''. We had to pay {$450.00} for a flood elevation certificate just to get an insurance quote. Then we obtained insurance at the cost of {$2300.00} for flood insurance within XXXX  days to ensure we didn't have to pay {$7600.00} for them to get the policy. 
Mr Cooper should reimburse us for our total cost {$2800.00} while they resolve this with their investor. If we cancel the policy, we might not be able to get it at the same price in the future as they stated it could resume in the future. If they can send us a letter confirming this is in fact over and will not be an issue once XXXX Mortgage takes over the loan we could cancel. We should be reimbursed for out expense of {$2300.00} or prorate the insurance based on the months we have to keep the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX is erroneously reporting this NEGATIVE alleged debt on my EXPERIAN credit report in violation of FCRA 623 ( a ) ( 7 ). 
I received NO NOTICE from your FINANCIAL INSTITUTION as the Gramm-Leach -Blilley Act states that your agency is a FINANCIAL INSTITUTION .Therefore, the violation is outlined under FCRA 627 ( a ) ( 7 ) and states a financial institution such as yours MUST notify consumers ( ME ) when they furnish or have furnished NEGATIVE information such as as a ( collection ) or any other forms of default.

I demand this alleged debt that you have erroneously reported to experian and all others credit bureaus that you may have reported to be DELETED 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
Consumer complaint received 2025-06-07 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-07 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: CA

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 the Bureaus, 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 explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NC

Complaint narrative:
A SELF LENDER ACCOUNT WAS TAKEN OUT IN MY NAME. I HAVE NEVER ALLOWED THEM TO TAKE OUT MONEY FROM ANY OF MY ACCOUNTS. I HAVE NEVER OPENED UP AN ACCOUNT WITH SELF THIS IS IDENTY THIEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
Hello, I have several unauthorized accounts on my credit profile and just became aware of these accounts. I understand you will investigate to ensure these accounts are accurate. These inaccurate accounts are hurting my ability to obtain credit. Here are the accounts I'm asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Rental property claimed we owed for a new carpet on XXXX bedrooms and charged us {$1600.00}. Included a carpet change at {$1000.00} and tub resurface at {$330.00}. No photos were included in the claim of damages, we had left the home clean. The final number did not add up to the alleged damages, and now the debt was sold to another company called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. They claim a debt amount of {$1800.00} with interest accrued of {$73.00} and raised the debt total up to {$1900.00}. I sent a letter request validation of debt and provided my updated contact information.

When we contacted Genesis and asked for validation of the debt and proof of the damages owed, they stated they had already " validated it with the bureaus '' but provided no written documentation. I requested written validation and they said they " send it to the previous address '' which is outside of FDCPA compliance. I asked they send it to our updated address and they did not send it. I sent a second letter request debt validation and photos proving the damages claimed, and have not received anything. However, even without debt validation they are still reporting on my ( XXXX XXXX XXXX ) credit report and it is affecting us getting approved for a new home rental. By continuing to report on my credit without validation of debt, they are outside of the FDCPA compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/XXXX, I sent {$6000.00} using XXXX through my Regions Bank mobile app to pay for a magazine promotion service that was falsely advertised. The person I paid has not delivered any product or service, and I have received nothing as of XX/XX/XXXX. I believe this was a scam. 

The money came directly from my Regions checking account. I filed XXXX disputes with Regions Bank, but both were denied. The bank told me that XXXX transactions are non-refundable, even in this case of fraud. They have not properly investigated my complaint and continue to deny responsibility. 

I am requesting a full refund of the {$6000.00} and a proper investigation into this matter. I believe Regions Bank has failed to protect me from fraud and has not handled this dispute fairly.

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 2025-06-07 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: IN

Complaint narrative:
I have filed an FTC Identity Theft Affidavit to report the fraudulent accounts appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : Creditor Name : XXXX  XXXX, Creditor Name : 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-07 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: CL Holdings LLC
State: OH

Complaint narrative:
I requested information about XXXX XXXX a account fraudulently opened in my name and ask for information about the reinvestigation procedure under law 15 U.S.C. 6801 ( Protection of Nonpublic Personal Information ) : This section addresses the privacy and security of customer records and information held by financial institutions. 
It establishes a policy that financial institutions have an obligation to respect customer privacy and protect the security of their nonpublic personal information. 
It requires financial institutions to implement administrative, technical, and physical safeguards to ensure the security and confidentiality of customer record

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/2025, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 
I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief