vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
On XX/XX/year>, I prepaid {$360.00} for a 4-day XXXX rental ( reservation # XXXX, rental agreement # XXXX ) in XXXX XXXX XXXX The car broke down mid-rental, forcing me to replace it at the XXXX XXXX return location and rent another XXXX car for {$87.00} just to get home. 

Instead of helping, XXXX added an additional {$930.00} charge to my account, plus duplicate {$87.00} charges ( only one refunded ) and a {$560.00} charge that was later reversed without explanation. When I log into my XXXX account, this rental does not appear in my history and I can not look it up by confirmation or rental agreement number. XXXX has stopped responding to my emails, and multiple promised manager call-backs and refunds never happened. 

I disputed the charges with American Express. While Amex refunded the prepaid {$360.00} and one {$87.00} charge, they continue to side with XXXX on the {$930.00} despite clear evidence of mechanical failure. Worse, Amex has repeatedly closed the dispute prematurely under the wrong reason, forcing me to reopen it multiple times. 

Amex also repeatedly asked me to follow up with XXXX directly, even though I had already made multiple unsuccessful calls where XXXX gave no resolution and then stopped responding entirely. I reached out to Amex because XXXX was unresponsive, yet Amex still insisted that I continue chasing XXXX myself rather than conducting a proper investigation. 
In addition, Amex failed to prevent further random charges by XXXX. XXXX continued billing my card until I specifically requested Amex block XXXX as a merchant. Only after my request did the repeated billing stop. 

Amexs handling of this dispute has been inadequate : they have dismissed evidence ( photos, call transcripts, missing rental record ), relied vaguely on terms and conditions without citing what terms apply, asked me to do their follow-up work with the merchant, and allowed XXXX to keep billing me without oversight. 

I am seeking resolution of the {$930.00} charge and a proper investigation into XXXX dispute handling and merchant monitoring failures.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Debt Validation & Representation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX-2025 Credence Resource Management RE : Formal Dispute and Request for Validation acount # XXXX To Whom It May Concern : I am contacting you regarding the above-referenced account This is a formal notice that I am dispute the validity of this alleged debt and that I demand proper validation as provided under the Fair Debt collection Practices act ( FDCPA ) ,14 U.S.C.1692g Additionally, I am aware of violation of U.S.C.1692e regarding false , deceptive, or misleading representations in your collection attempt Specifically : -You have represented information about this debt in a manner that is inaccurate and misleading -You have failed to provide clear and complete documentation substantiating your legal right to collect Accordingly, I require the following 1.Proof of the debt -a complete accounting of alleged balance.

2.Original signed contract or agreement showing that i have a legal obligation to pay 3.Proof of assignment/ownership -including chain of title if this account was sold or transferred.

4.Verification of Licensing and authority proof that XXXX & XXXX is authorized to collect debts in my state ( Florida ) 5.Copies of all communications and records regarding this account Until you provide the above, you must immediately cease all collection activities, including but not limited to : Reporting this debt to any credit bureau.

Contacting me by phone or mail pursuing any legal action If you have already reported this debt to the credit reporting agencies, you are required under 15 U.S.C. 1692E ( 8 ) and Fair Credit Reporting Actt ( FCRA ) to mark the account as " in dispute '' failure to comply will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) the Federal Trade Commission ( FTC ), and the Florida Attorney General 's Office for your Violations of federal law.

I expect a written response within 30 days of your receipt of this. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from Imprint Payments reporting a balance of {$1200.00} on my credit report. 

On XX/XX/XXXX, I submitted a written dispute to the credit bureau under the Fair Credit Reporting Act ( FCRA ) requesting verification of the accounts accuracy, completeness, and legal right to be reported. 

The credit bureau acknowledged receipt of my dispute on XX/XX/XXXX, but no documentation from XXXX XXXXXXXX was provided verifying the accounts validity. Despite this, the account continues to be reported as accurate without proper verification. 

I am requesting assistance to ensure the company either provides full documentation proving the accounts accuracy or removes the account if it can not be verified as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: PA

Complaint narrative:
On XX/XX/XXXX, I discovered an account from Imprint Payments reporting a balance of {$1200.00} on my credit report. 

On XX/XX/XXXX, I submitted a written dispute to the credit bureau under the Fair Credit Reporting Act ( FCRA ) requesting verification of the accounts accuracy, completeness, and legal right to be reported. 

The credit bureau acknowledged receipt of my dispute on XX/XX/XXXX, but no documentation from XXXX XXXXXXXX was provided verifying the accounts validity. Despite this, the account continues to be reported as accurate without proper verification. 

I am requesting assistance to ensure the company either provides full documentation proving the accounts accuracy or removes the account if it can not be verified as required by 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 explanation
Consumer complaint received 2025-08-31 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:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-31 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 explanation
Consumer complaint received 2025-08-31 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: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I filed transaction disputes towards XXXX XXXX XXXX on my SoFi Credit Card. These disputes were filed as I was paying for services provided by XXXX XXXX XXXX, who states in their contract and website that they will pay their customers as an independent contractor for profits made using their services. They refused to send payouts, violating the agreed upon contract when I purchased their services. Therefore I am trying to get my money back, given the fact that they did not fulfill their service and went against the agreed upon contract that I signed as an independent contractor. SoFi responded to my previous CFPB case and claimed that I have no chargeback rights for these transactions. SoFi Stated, Per XXXX Guidelines, SoFi has no chargeback rights for gambling transactions, as the services were rendered as described if the funds were deposited successfully as requested. This information is simply false as the services purchased is NOT related to gambling and it says specifically on the XXXX XXXX XXXX Website that this is NOT an investment opportunity. My purchases towards this merchant were not related to investing or gambling and are eligible for chargeback rights. The merchant failed to fulfill their service as they violated the contract and failed to pay me as the independent contractor using their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App randomly closed my account 2 years ago for " fraudulent activity '' even though I only used it to send money to ppl I know. Like my spouse or family. I have appealed this decision with them many times to no avail. They are still refusing to open my account, allow me to have a business account ( which is as safe as it gets with accounts ), and still accusing me of fraudulent activity with no valid reason. This is a very common complaint about cash app and they have now closed thousands of accounts with no direct reason to the consumers. They wrote back last time with nor real information. This time if they write back with bland information, I will press forward as far as I need to to get answers and resolutions as I feel discriminated against for being XXXX, a woman, and my age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person. 
I been receiving emails, phone calls & text messages for over couple years & noticed some accounts on my credit report that i have not opened. I am a victim of FRAUD and its damaging my financial lifestyle.

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 2025-08-31 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: TN

Complaint narrative:
On XX/XX/year>, I disputed a collection account with TransUnion that had already been removed from my XXXX report. I provided documentation of the removal. On XX/XX/year>, TransUnion sent me an investigation results letter stating the account was verified as accurate, but they did not provide the actual method of verification, the records reviewed, or the individual contacted. This is a violation of the Fair Credit Reporting Act ( 611 ( a ) ( 1 ), 611 ( a ) ( 7 ), and 607 ( b ) ).

I request that the CFPB require TransUnion to provide the complete method of verification with supporting documentation, or remove the account if proper verification can not be produced. I have attached my ID, the XXXX deletion documentation, and TransUnions XX/XX/year> results letter.

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 2025-08-31 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized inaccurate inquiries 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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
To Whom It May Concern, I am writing to dispute the collection account reported by LVNV FUNDING LLC, opened on XX/XX/year>, in the amount of {$160.00}. 

I do not recognize this debt, and I request validation of the account. Please provide documentation verifying the original creditor, the full account history, and proof that this account belongs to me. 

If you can not provide such documentation, this account must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery associates call me with a debt that is 6 years or older threaten to sue me did not send information within 5 days of initial contact by phone that I requested this is in XXXX  I paid one debt to them which I agree with but will not pay no more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year> XXXX phone was left on charger at a friends house, there were a few people there. Noticed my phone was missing around XXXX. 

Didnt find my phone until I left that next morning around XXXX XXXX XXXX sent himself {$70.00} at XXXX Requested refund next day and he declined XXXX XXXX sent himself another {$60.00} at XXXX XXXX  for food At XXXX he sent himself another {$30.00} for dinner Finally at XXXX he sent himself another {$30.00}. 

For a total of {$190.00} I did not send this person money nor do I know this person. I have requested refunds for all payments all of which have been declined

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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:
Sent 3 letters to the credit bureau requesting XXXX XXXX. Of inaccurate unverifiable information- received stall letters or nothing at all

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 2025-08-31 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: FL

Complaint narrative:
Sent 3 letters to the credit bureau requesting XXXX XXXX. Of inaccurate unverifiable information- received stall letters or nothing at all

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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Re : Cease and Desist / Dispute of Unauthorized Collection Account To Whom It May Concern, I am writing to formally notify you that I dispute the validity of the collection account, which was allegedly opened with your agency, under my name and reported to the credit bureaus. I had no knowledge of, nor did I consent to, this debt, and I believe it to be inaccurate or placed in error.

This letter serves as both a Cease and Desist and a formal demand for removal of this account from my credit reports with XXXX XXXX and XXXX. As of today 's date, XX/XX/scrub> 2025, I request the immediate deletion of this account from all consumer reporting agencies where you may have furnished this data.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : I demand that you cease all collection efforts related to this alleged debt, including phone calls, letters, or electronic communication.

I request that you provide full validation of this debt including : The original creditors name and address The signed agreement or lease showing I am responsible for this debt A detailed itemized breakdown of the amount claimed If you can not fully validate this debt, you are legally required to delete it from all credit reporting agencies.

Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I expect a written response within 30 days from the date of this letter. If you can not provide adequate proof that I owe this debt, you are required to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I received an email to wire closing cost funds to an attorney 's office. ( XXXX, XXXX, XXXX XXXX XXXX, XXXX ) I requested the funds to be wired from my account at my bank ( M & T Bank ) to the attorney on XX/XX/year>. I received a confirmation from my bank that the funds were transferred. Unfortunately, when I went to settlement on XX/XX/year>, the attorney had not received the funds. It was discovered that the information sent to me was fraudulent. I contacted my bank on XX/XX/year>, from the attorney 's office, and was told that I would not be able to be refunded the {$12000.00} funds that were transferred to the fraudulent bank account and I should contact the receiving bank. ( XXXX XXXX, XXXX. ) Attempts were made to contact the bank that the funds were sent to, but no one would take action. I am now out the amount of the wire transfer and now can not settle on the property I was wanting to purchase.

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