vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: KS

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX based on the understanding that American Express would cover up to {$75.00} of the cost. I waited until XX/XX/year> to see the reimbursement and contact American Express at which time I noticed the charge from XXXX has a different website than where I made the purchase. I attempted to address this with an American Express customer service representative but they did not help, stated they rely on information from the vendor, and stated that the transaction was not eligible because it was not purchased via XXXXXXXX even after I provided all details and offered to share screenshots of my account on XXXX 

The main XXXX websites full url is XXXX XXXX XXXX and the portion of their website I ordered from is XXXX XXXX XXXX but the website XXXX put on my credit card charge is XXXX XXXX XXXX This is not the website I purchased. The American Express team stated the subpage is not applicable for the benefit but their terms do not state this and the only way to make a purchase is through a subpage. I feel that American Express should be required to update the benefit terms to state the specific subpage of the XXXX website are and are not applicable if they are only honoring some subpages of the website and not all subpages of XXXX as their terms can be interpreted by the average person now. Their language should be more specific than only saying XXXX 


Benefit says : Enrollment through American Express is required to receive the benefit. Only the Basic Card Member or Authorized Account Manager ( s ) on a U.S. Consumer Platinum Card Account can enroll in the benefits section of their americanexpress.com account or by calling the number on the back of their Card. Enrolled Basic Card Members can receive up to {$75.00} in statement credits each quarter on eligible purchases charged to the Card Account for a total of up to {$300.00} each calendar year in statement credits. Eligible purchases are purchases made directly with XXXX  at XXXX XXXX ( excluding XXXX XXXX, outlet locations, warehouse, event locations, showroom and wholesale transactions ) in the U.S., online at U.S. website XXXX or through the XXXX  XXXX. Not valid on purchases shipped outside the U.S. or gift card purchases. Purchases by both the enrolled Basic Card Member and Additional Card Members on the eligible Card Account are eligible for statement credits. However, statement credits will be provided for only up to {$75.00} in statement credits each quarter for a total of up to {$300.00} per calendar in statement credits per Card Account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains several inaccurate and unverified accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is wrongly showing late payments, which I never made. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reported as charge-offs, but I have no knowledge of these accounts. XXXX XXXX XXXX XXXX XXXX  shows false late payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are collection accounts I do not recognize or authorize. Additionally, XXXX XXXX inquiry XXXX XX/XX/year> was not approved by me. These errors are damaging my credit, and I request the CFPB to investigate and ensure TransUnion deletes or corrects all unverified and unauthorized items as required under 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 2025-10-30 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX, XXXX, and the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) continue to report my XXXX XXXX as active, delinquent, or in default even though these debts were discharged through my bankruptcy case. Despite providing the credit reporting agencies and the lenders with documentation of my bankruptcy discharge, they have refused to update or remove the inaccurate information. 
Details of the Complaint : Bankruptcy Case Number : XXXX Adversary Proceeding Number : XXXX Court : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX Type of Bankruptcy : XXXX XXXX Status : XXXX XXXX discharged The following accounts were included in my bankruptcy and discharged, but are still being reported inaccurately on my credit reports : XXXX. XXXX XXXX showing as open and delinquent, with an unpaid balance XXXX. XXXX showing as charged off or in collections XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) showing as active and in default This reporting is false, misleading, and damaging to my credit profile. I have repeatedly provided proof of discharge to TransUnion, Equifax, Experian, and each loan servicer. The agencies responded that the accounts were verified, but no corrections were made, and no supporting documentation was provided to validate their claim. 



Violation Summary : These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by continuing to report and/or collect on debts that are legally unenforceable following a bankruptcy discharge. Additionally, the continued reporting of these loans as active or delinquent undermines the purpose of the bankruptcy discharge and constitutes post-discharge collection activity prohibited under federal bankruptcy law ( 11 U.S.C. 524 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$770.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$760.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX Balance {$540.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX  Date XXXX XX/XX/XXXX Balance {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$420.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$450.00} * * Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I sent a secure message through my online account+I especially called in to request what's promised, but was not helped.

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been billed monthly through PayPal by a company called XXXX XXXX XXXX for a course that they do not own and for which they have never delivered any product or service. 

The course was created and delivered by XXXX XXXX, who has not received any of these funds. XXXXXXXX XXXX XXXXXXXX has continued to collect payments through their PayPal account despite having no ownership or involvement with this course. 

I can provide PayPal transaction records showing that payments were made to XXXXXXXX XXXX XXXXXXXX, but the company can not provide any proof of delivery because they have

never provided any product or service in exchange for these payments. PayPals standard dispute process does not include a category for this type of issue, and attempts to contact support only lead to automated responses. I am requesting that PayPals compliance department inves
tigate XXXXXXXX XXXX XXXXXXXX use of PayPal to collect payments for a product they do not own, and recover those funds so they can be properly redirected to the rightful owner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint concerns inaccurate and inconsistent credit reporting by CBNA in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ). Despite the account being paid and closed, CBNA continues to report multiple conflicting dispute remarks across the credit bureaus. The remarks misrepresent the current status of the account and create a misleading impression that a dispute remains unresolved. 

The consumer, through his authorized representative XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, submitted a formal Direct Dispute to CBNA on XX/XX/year>, requesting a full reinvestigation and correction of these inaccuracies. As required under FCRA 623 ( a ) ( 8 ), furnishers must ensure the maximum possible accuracy of reported information and correct or delete unverifiable data. Continuing to furnish inconsistent and inaccurate information violates the FCRA and harms the consumers credit standing. CBNA 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 2025-10-30 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: MI

Complaint narrative:
An FCRA violation occurs when the Fair Credit Reporting Act is breached by failing to report completely accurate information. Ive been negatively impacted by these violations and am seeking resolution through the deletion of the inaccurate accounts listed in my attached letter. I request their prompt 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 non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This correspondence serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate and permanent deletion of several unauthorized and unverified credit inquiries currently appearing on my consumer credit file. 
This is not a request for correction or update it is a demand for deletion under federal law, as these inquiries were made without authorization, without a permissible purpose, and without verification. 
The inquiries in question are as follows : 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 I have never granted authorization, initiated an application, or given written consent to any of these entities to access my consumer report. Therefore, each of these inquiries is unverified, unauthorized, and unlawful under multiple provisions of the Fair Credit Reporting Act. 
Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report to an entity with a legitimate permissible purpose, such as a transaction initiated by the consumer. These inquiries were not made in connection with any such transaction or consent, making their appearance unlawful.

Further, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) declares that it is unlawful for any person to obtain a consumer report without a permissible purpose. Each of these inquiries therefore represents an unauthorized access to my private consumer information. 
Additionally, FCRA 619 15 U.S.C. 1681q establishes that any person who knowingly and willfully obtains information under false pretenses shall be subject to criminal penalties. Any party that accessed my file without authorization may have violated this statute.

Under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to block and permanently remove any information resulting from identity theft or unauthorized access. Because these inquiries were not initiated or approved by me, they must be blocked and deleted permanently from my consumer report. 
Moreover, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in all information they report. Any unverified or unauthorized inquiry violates this accuracy standard. 
Finally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation when a consumer disputes any portion of their file. If the disputed information can not be verified, FCRA 611 ( a ) ( 5 ) ( A ) compels the credit bureau to delete it permanently and forbids reinsertion unless certified as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This correspondence serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) for the immediate and permanent deletion of several unauthorized and unverified credit inquiries currently appearing on my consumer credit file. 
This is not a request for correction or update it is a demand for deletion under federal law, as these inquiries were made without authorization, without a permissible purpose, and without verification. 
The inquiries in question are as follows : 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 I have never granted authorization, initiated an application, or given written consent to any of these entities to access my consumer report. Therefore, each of these inquiries is unverified, unauthorized, and unlawful under multiple provisions of the Fair Credit Reporting Act. 
Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report to an entity with a legitimate permissible purpose, such as a transaction initiated by the consumer. These inquiries were not made in connection with any such transaction or consent, making their appearance unlawful.

Further, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) declares that it is unlawful for any person to obtain a consumer report without a permissible purpose. Each of these inquiries therefore represents an unauthorized access to my private consumer information. 
Additionally, FCRA 619 15 U.S.C. 1681q establishes that any person who knowingly and willfully obtains information under false pretenses shall be subject to criminal penalties. Any party that accessed my file without authorization may have violated this statute.

Under FCRA 605B / 15 U.S.C. 1681c-2, I have the right to block and permanently remove any information resulting from identity theft or unauthorized access. Because these inquiries were not initiated or approved by me, they must be blocked and deleted permanently from my consumer report. 
Moreover, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies maintain maximum possible accuracy in all information they report. Any unverified or unauthorized inquiry violates this accuracy standard. 
Finally, FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation when a consumer disputes any portion of their file. If the disputed information can not be verified, FCRA 611 ( a ) ( 5 ) ( A ) compels the credit bureau to delete it permanently and forbids reinsertion unless certified as accurate.

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these late payment entries be reviewed for verification, and if they can not be confirmed, they should be corrected or deleted.

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 2025-10-30 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: IN

Complaint narrative:
I am disputing all negative or derogatory account information appearing on my credit report that is inaccurate, incomplete, or can not be verified. I have submitted formal dispute letters to Experian, Equifax, and TransUnion under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

The items in question have not been properly verified, yet they continue to appear on my report and negatively impact my credit profile. I am requesting that a full reinvestigation be conducted, and that all unverifiable, inaccurate, or outdated information be deleted or corrected immediately. 

I have attached copies of my identification, proof of address, and supporting dispute letters. I appreciate the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am disputing all negative or derogatory account information appearing on my credit report that is inaccurate, incomplete, or can not be verified. I have submitted formal dispute letters to Experian, Equifax, and TransUnion under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

The items in question have not been properly verified, yet they continue to appear on my report and negatively impact my credit profile. I am requesting that a full reinvestigation be conducted, and that all unverifiable, inaccurate, or outdated information be deleted or corrected immediately. 

I have attached copies of my identification, proof of address, and supporting dispute letters. I appreciate the CFPBs assistance in ensuring compliance with the Fair Credit Reporting Act and protecting my consumer rights.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I disputed a transaction with cash app they then gave me the money that was owed to me but then they took it back saying that I was denied and then I tried to appeal it and they still denied it without looking at it.

Company response to consumer: Closed with explanation