vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted American Express to link my new American Express Checking Account to my American Express Business Card for payment purposes. An Amex associate assisted me in linking the account, and that same day ( XX/XX/year> ), I submitted the full payment for my business card balance. The funds were readily available in the account. 

On XX/XX/XXXX, the payment was reversed without any notification. When I followed up on XX/XX/XXXX, I was told that the checking account " could not be found '' despite the fact that it is an Amex-branded checking account, added by their own associate. 

On XX/XX/XXXX, I discovered that I had been charged two months of interest, totaling {$260.00}, as a result of this failed transaction. I immediately contacted Amex, and they refused to waive the interest charges, even though : The payment was submitted on time through Amexs platform, The account was linked by an Amex representative, The funds were in the account, The payment was prompted successfully, The account in question is their own bank product, I followed up promptly after the reversal. 

I am now being penalized with two months of interest due to Amexs internal processing or account-linking error not any action or inaction on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: AR

Complaint narrative:
I have collections opened from TekCollect and I do not know what the debt is for and I can not reach the company. The company also never reached out to me via email, call, or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I sent a written letter to XXXX XXXX XXXX XX/XX/XXXXdisputing an alleged debt and formally requesting validation of the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g. Despite my request, I have not received any response or validation of the debt from Debt. NATIONAL CREDIT SYST This failure to provide the requested information is a violation o
f the FDCPA, which requires debt collectors to cease collection activity until they provide proper validation of the debt. Additionally, in my letter, I requested that the company cease all further communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c. They have not complied with the validation requirements, and I remain concerned that they may continue collection efforts without fulfilling their legal obligations. Original Letter Sent ( XX/XX/year> ) : RE : Account Number XXXX Dear Sir/Madam, I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. I have not supplied proof under the Doctrine of Estoppel by Silence, XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter. Sincerely, XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The balance is inaccurate and the reporting dates are incorrect/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXX XXXX Experian Subject : Request for Removal of Personal Information from Credit Report Dear Experian, I am writing to request the removal of outdated or inaccurate personal information from my credit report. Upon reviewing my credit report, I noticed the following personal details that I would like to have removed : Personal Information to be Removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Employment information to be removed XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX The personal and employment information listed above is either outdated or incorrect, and I believe it is unnecessary for it to remain on my credit file. Only personal information that should appear is Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX Employer : XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this information. 
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 2025-09-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a XXXX and Citi Bank customer for a long time and every time when I made a reservation XXXX sent me a confirmation email for the reservation I made every time. I tried to make a reservation on XX/XX/XXXX to stay at the XXXX XXXX XXXX in XXXX and I never received a confirmation email from XXXX or XXXX XXXX XXXX  and I had to make another reservation on XX/XX/XXXX once I arrived at premise since I never received a confirmation email on XX/XX/XXXX. I have attached a snapshot of the confirmation email reservation that I made on XX/XX/XXXX that they sent, and I never received a confirmation email for XX/XX/XXXX. 
When I went to hotel to check-in, to my dismay I was told by the Hotel rep that I had another reservation on XX/XX/XXXX that I didnt show up. I tried to explain that I never received a confirmation email from XXXX or XXXX XXXX XXXX  and they are not willing to refund the money or issue hotel credit for a future date. 
I kindly request that Citi Bank helped me to recover money from XXXX or XXXX XXXX hotel since I stayed there only once and they charged me twice. XXXX sent me only one conformation email

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am filing a complaint against Capital One regarding deceptive practice related to their 360 yield interest " savings account. Capital One misrepresented the 360 savings account as having one of the nation 's highest interest rates, yet failed to notify account holder about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many branching the consumer financial protection act and the truth and savings Act.I seek redress for the misleading practice and failure to fulfill their advertised promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: United PanAm Financial Corp.
State: LA

Complaint narrative:
In XXXX I moved from XXXX, OK, where I purchased a vehicle with financing through United Auto Credit Corp in XXXX, to Louisiana. In later XXXX I was classified as XXXX and filed for XXXX which I started receiving in XXXX. As a result, I could no longer afford my car payment and full coverage insurance so I called to explain and voluntarily relinquish it. I spoke with the company on the phone and was told I could turn it in and they'd resell the vehicle and they would be in touch if there was money owed after, so I gave them my address to pick it up. I didn't hear anything else until XXXX when United Auto Credit 's lawyers tried to garnish my checking and savings accounts and illegally seize my Social Security XXXX check and my stimulus money. After I protested to the bank they only got part of my stimulus money and that's when I discovered they'd sued me and won a judgement ( back in early XXXX, though I didn't know that at the time ). I reached out to their main office in California by letter but received no reply so I started searching and finally recently found the court records online on the XXXX courts website. In the filing they falsely claimed they did not know where I lived despite having picked up the vehicle at my home where I still lived at the time they filed to sue. I suspect they lied to avoid me showing up in court with Social Security XXXX as my only income because then they might have had to settle the debt they were claiming I owed for less money, so instead, they claimed ignorance and published in the paper in XXXX where there would be little chance of me hearing about it and showing up for the court date since they knew I lived in Louisiana. That is failure to properly follow legal procedure and deceptive/bad business practices. This is a regular habit of theirs which is evident by the numerous complaints against them on the XXXX  website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 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 2025-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Starting in XXXX, one UMB Bank branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ) is refusing to cash my checks even though my balance in the checking account is more than the check. Or the teller claims that I have to place a hold on my check. Only one branch gives me issues about my check. The other branches cashes it without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : 4-Day Removal Request. Unauthorized Credit Inquiries & Fraudulent Accounts FTC Identity Theft Report Number : XXXX Dear Credit Bureau Representative, I am the victim of identity theft, and my personal information has been fraudulently used without my authorization. As a result, multiple unauthorized inquiries and accounts are appearing on my credit profile, damaging my creditworthiness. 
In accordance with FCRA Section 605B, I am formally requesting that you block and remove these fraudulent items within 4 business days of receiving this letter.

I have attached my FTC Identity Theft Report ( Report # XXXX ) and supporting identification, which obligates you under federal law to immediately remove this information. 
Fraudulent Credit Inquiries to be Removed : 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 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 XXXX XXXX 
Fraudulent Accounts to be Removed : - Auto Loan/Lease. XXXX. {$16000.00}- XXXX XXXX XXXX. XXXX XXXX. {$25000.00}- XXXX. XXXX XXXX. {$0.00} - Credit Card. XXXX XXXX. {$500.00} Please confirm in writing that these items have been deleted from my credit file. I am asserting my rights under the Fair Credit Reporting Act and expect immediate compliance. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX ( Enclosures : FTC Identity Theft Report # XXXX, Copy of ID, Proof of Address ) Attachment : FTC Identity Theft Report # XXXX ( Provided as supporting documentation )

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : 4-Day Removal Request. Unauthorized Credit Inquiries & Fraudulent Accounts FTC Identity Theft Report Number : XXXX Dear Credit Bureau Representative, I am the victim of identity theft, and my personal information has been fraudulently used without my authorization. As a result, multiple unauthorized inquiries and accounts are appearing on my credit profile, damaging my creditworthiness. 
In accordance with FCRA Section 605B, I am formally requesting that you block and remove these fraudulent items within 4 business days of receiving this letter.

I have attached my FTC Identity Theft Report ( Report # XXXX ) and supporting identification, which obligates you under federal law to immediately remove this information. 
Fraudulent Credit Inquiries to be Removed : 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 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 XXXX XXXX 
Fraudulent Accounts to be Removed : - Auto Loan/Lease. XXXX. {$16000.00}- XXXX XXXX XXXX. XXXX XXXX. {$25000.00}- XXXX. XXXX XXXX. {$0.00} - Credit Card. XXXX XXXX. {$500.00} Please confirm in writing that these items have been deleted from my credit file. I am asserting my rights under the Fair Credit Reporting Act and expect immediate compliance. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX ( Enclosures : FTC Identity Theft Report # XXXX, Copy of ID, Proof of Address ) Attachment : FTC Identity Theft Report # XXXX ( Provided as supporting documentation )

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi chime will not allow me to have a account and Im on XXXX  and cant get Serivce at all for direct deposit I need asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My closed XXXX and XX/XX/XXXXXX/XX/XXXX accounts ( Acct # XXXX andXX/XX/XXXX XXXX ) are reporting multiple late payments despite being paid off and having {$0.00} balances. I have disputed these entries but they remain on my credit report. 

I am requesting verification of these late payment reports and removal of any inaccurate or unverifiable derogatory information.

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