vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
I upgraded my Delta SkyMiles American Express card from XXXX  to XXXX  on XX/XX/XXXX. The XXXX card comes with a {$350.00} annual fee, which I accepted under the clear understanding that I would receive all included benefits within the membership yearspecifically the XXXX XXXX, which is heavily promoted as a core benefit of the XXXX card. 

However, after paying the upgraded annual fee, I was later told by Amex that I would not receive the XXXX XXXX until after a full year had passed and only after renewal in XX/XX/XXXX. This delay was never disclosed in the upgrade confirmation documents or terms provided to me. I have carefully reviewed the paperwork and can confirm there was no written statement or notice that the XXXX XXXX would be withheld for over a year. 

I contacted Amex customer service multiple times, requesting immediate issuance of the XXXX XXXX. 

Upon my initial request on XX/XX/XXXXXXXX  I was informed I would receive it in 7 to 10 days. Today was 13 days so I contacted them again and after talking to two representatives and one supervisor I was informed no certificate would be coming after all. This has now delayed my booking of a flight that I have for an upcoming wedding in early XX/XX/XXXX. 

Despite being a loyal Amex customer since XXXX  and always paying my account on time, I was repeatedly denied resolution. I believe this is a clear case of deceptive or unfair business practices, as the company charged me for a premium product while knowingly withholding a major benefit without adequate disclosure. 



Requested resolution : Immediate issuance of the XXXX XXXX Ive included all the paperwork that I have now gone through many times that came with the card and nowhere do I see that the benefit comes a full calendar year after receiving the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DE

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to SPRING OAKS CAPITAL LLC regarding Account Number : XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$740.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. 
Despite this request, SPRING OAKS CAPITAL LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. 
By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This unauthorized account has shown up on my credit report after being deleted due to my personal and credit information was exposed in the Equifax data breach! Please remove this item again and BLOCK according to FCRA 605B. I would like to resolve this issue before moving forward with my attorney

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 2025-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are 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
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 2025-07-30 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: VA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I disputed the account shown in collection in Experian. They refuse to remove it from my report. The debt was included in my XXXX  totaling {$490.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal information that does not belong to me. Specifically, the report includes : [ List the incorrect information, e.g., wrong name, address, date of birth, or Social Security number. ] I have already contacted the credit reporting agency and provided proper documentation to support my identity, including [ list what you sent, such as a copy of my government-issued ID and a utility bill ], but the information has not been corrected. 

This inaccurate information is affecting my credit profile and could potentially result in further issues, including misidentification and denial of credit or services. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate or incomplete information corrected or removed. 

I am requesting the CFPB to review this matter and assist in ensuring that the credit bureau takes appropriate action to correct the personal information in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CA

Complaint narrative:
I DESPUTED THIS ACCOUNT AAS FRAUD AND PROVIDED THEM LETTERS FROM THE BANK THEM SELF AND MY IDENTITY THEFT REPORT AND MANY MORE DOCUMENTS FOR MOLATPLE MONTHS NOW, EVER TIME I GIVE THEM A CALL TO SEE WHY ITS TAKING SO LONG FOR THIS ACCOUNT TO BE REMOVED FROM MY NAME EVER SINGLE TIME THEY ARE MAKING A BULSHIT EXUCSE AND NOC CAREING ABOUT ME 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 2025-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XXXX XXXX, XXXX, ( Subject : Urgent Request for Removal of Fraudulent Accounts Within 7 Days To Whom It May Concern, I am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my XXXX credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft. The following accounts are fraudulent and must be removed from my credit report immediately : ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX  XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX XXXX OPEN DATE XX/XX/XXXX ACCOUNT NAME XXXX OPEN DATE XX/XX/XXXX I am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security. I have enclosed copies of the following documents to support my claim : A copy of my government-issued identification Proof of my current address A copy of the police report and/or identity theft affidavit Any relevant documentation proving the accounts are fraudulent Please confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Thank you for your prompt attention to this urgent matter. ) Thank you. 
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 2025-07-30 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: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
In XX/XX/2025, I was traveling in XXXX, XXXX to reunite with and return my family from XXXX due to the recent XXXX conflict XXXX I am a practicing physician in the XXXX  XXXX area and was navigating a very stressful and unfamiliar situation abroad. 

A taxi driver took us to a seafood restaurant near XXXX XXXX, where the staff were already waiting suggesting a coordinated setup. The menu listed seafood by the kilogram, but no weights, totals, or pricing explanations were offered. We ordered a meal for XXXX adults and XXXX children. 

At the end of the meal, I was charged XXXX XXXX XXXX ( about {$2300.00} USD ). Due to the language barrier and confusion with currency conversion, I did not realize the actual amount at the time. I signed the receipt without understanding I had been severely overcharged. A neighboring restaurant later confirmed that a similar meal should have cost no more than {$250.00} USD. 

I disputed the charge with Chase Bank and submitted both the itemized receipt and supporting information, but my claim was denied because the transaction occurred face-to-face with a signed receipt. However, I strongly believe this was merchant misrepresentation the signature was obtained under deceptive and misleading conditions. 

I also contacted multiple Turkish authorities, including the tourist police, and was told that I would have to return in person to pursue the matter, which is not realistic. 

This was not a normal transaction it was a predatory scam targeting a foreign tourist during a time of personal and international crisis. Im requesting that the CFPB help have this charge reviewed under fraud or misrepresentation, and that Chase be encouraged to reconsider this clearly unethical transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: TX

Complaint narrative:
To Whom It May Concern : I recently discovered a collection account on my XXXX  credit report from your company, allegedly related to Possible Financial Inc. with the amount of {$15.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request full validation of this alleged debt. 

Please provide the following : Proof that I am legally obligated to pay the debt The name and address of the original creditor Itemized breakdown of the amount owed A copy of the original signed agreement Proof that your agency is licensed to collect in my state Until I receive full validation, please cease all collection efforts, including reporting to credit bureaus. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts have been reinserted to my credit report after removal due to my information being exposed in the Equifax data breach, these accounts are unauthorized. I would like for these accounts to be removed and blocked from my profile immediately per FCRA 605B. I want to resolve this issue before taking legal action.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to MIDLAND CREDIT MANAGEMENT INC regarding Account Number : XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$460.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. 
Despite this request, MIDLAND CREDIT MANAGEMENT INC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. 
By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation