vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I am filing this complaint regarding my American Express XXXX XXXX, which Ive held since XXXX. 

On a recent call with American Express customer service, I inquired about possibly closing my account. I expressed interest in doing so, but the call dropped before I gave final verbal confirmation or received formal acknowledgment that the account would be closed. Despite this, the account was closed without any further communication or confirmation from me. 

I later spoke with an Amex representative who told me they reviewed the call recording and confirmed that the call had dropped. However, they stated the account was still closed based on my initial comments, even though the process was incomplete and the final confirmation was not obtained. 

This closure occurred even though I had several months remaining on the annual fee I had already paid, meaning I am now being charged for services I can not access. I am not requesting a refund I simply want to continue using my card and the services I paid for. 

Additionally, I have an upcoming international trip on XX/XX/XXXX, which I booked through Amex XXXX using this card. I rely on the benefits and protections that come with my XXXX XXXX, and being forced to replace it at short notice places unnecessary stress and cost on me as a paying customer. 

I contacted American Express to request reinstatement of the account, but they refused, citing a policy that treats all voluntary closures as final regardless of context. In this case, I do not believe the closure was validly confirmed, and I feel I was denied the opportunity to retain access to services I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont agree with the account below which still appears on my credit report, even after your investigation. I would like this account to be immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit, Reporting Act, Public law, 915 06, Title VI, Section 611, Subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
Starting in XX/XX/year>, Barclays placed a restriction on my consumer credit card due to me trying to by a purchase that was made that was more expensive. I have been in communication with Barclays security services every week from that time frame and have had no consistent communication between them about them A. Receiving the required documents that were needed to verify my identity and B. If they had been processed/reviewed. I have had previous cases with the executive office and their official outcome was that everything had been reviewed and confirmed and all that was needed was an outbound call to my number to lift the hold on my account. You can also reference when I called customer security Services on XX/XX/XXXX and about XXXX XXXX XXXX  were the agent confirmed the issue was also resolved say she removed the hold and placed a temporary one on the account due to her issuing me a new card which I have received. I need this to be rectified as if there is no consistent communication within the company this is a neglect to their clients and their finances. I am asking that this be resolved in a timely manner

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 2025-07-21 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 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. 

The following inquiries are not authorized. Please remove it from my credit report immediately. XXXXXXXX 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 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 

Please correct and update the late payments on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I entered into a financing agreement with Mosaic for a solar energy system installation through their partner XXXX XXXX. 

Despite the contract stating that Mosaic would confirm installation prior to fund disbursement, Mosaic disbursed the full loan amount without confirming that the solar system was ever installed. 

The system was never delivered or installed, and I notified Mosaic of this and formally requested cancellation on XX/XX/XXXX via phone. A case was opened at that time ( case XXXX XXXX XXXX XXXXXXXX ). 

Since then, I have made multiple follow-up calls to Mosaic. I offered to provide documentation showing that XXXX XXXX failed to perform, including emails and written communications. 

On XX/XX/XXXX, Mosaic informed me they could no longer cancel the loan due to their bankruptcy proceedings ( XXXX XXXX. XXXX, Solar Mosaic , Inc. ) .

Mosaic has failed to take corrective action, continues to hold me liable for a loan on undelivered services, and has refused to accept or act upon proof of vendor non-performance.

I am attaching supporting materials with bookmarks to state that I never received the service to ongoing delays with the installer and Mosaic failed to enforce or confirm delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
nothing happened as well as no response from XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Sc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
XXXXXXXX XXXX has been unsuccessful at reactivating my XXXX account after some fraudulent activity. Ive had all restrictions removed from XXXX end as well as TD banks end. Still I am unable to access my XXXX and am being told that Fiserv has still not removed the restrictions. This has been ongoing since XX/XX/25.

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 2025-07-21 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:
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. 

Account name : XXXXXXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXXXXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXAccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 seven 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I am being harassed by these crooks for unverified debt ; Blitt and Gaines , PC, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, IL XXXX XXXX, and XXXX XXXX XXXX both are trying to sue me for a debt that was never verified by me and is not mine, nor does it show my signature on it. They have been sued by the FTC, IL AG, and CFPB many times before for the same and have not learned their lesson. This is the second small claims lawsuit this bunch of crooks has filed against me in the last two years, and I have NEVER had anyone file a lawsuit against me in my life because I pay my bills, and I am XXXX XXXX XXXX, and I don't even use credit cards. I have student loans only, and my car payment, and no credit cards. I have been hacked 13 times since XXXX  after my PII was compromised during the XXXX breach, IRS breach, and numerous others I worked for or did business with. They tried to sue me for another account within the last year, and I had to get my attorney, XXXX XXXX of XXXX, XXXX and XXXX, XXXX IL XXXX involved and requested to file bankruptcy which I have been approved to do, but I still need a few more months to come up with the money to do so as I have no savings or help of any kind financially, twice widowed. I was pulled off work by my MD after working XXXX years for the XXXX XXXXXXXX XXXX XXXXXXXX on medical leave and lost my job, and I had no income for two years, then I started my widow 's pension a year ago, and that is my only income, which barely covers my basic rent, utilities and food and I have no assets. This account or any other they make up will never be collectable, as I am not returning to work and my income is untouchable. They are intentionally targeting and harassing older people, assuming they will have money they can take, but they are wasting their time. I want the government to sue them for even trying to do this, which is fraud. I never received notice of this debt, nor did I receive or provide verification of this debt, they are lying in the court documents claiming they provided this, they did not. They are also causing me rebound health issues, as I was taken off work for " XXXX XXXX XXXX  with XXXX symptoms ''. I want this complaint shared with the IL Attorney General. I now have two fraudulent lawsuits that have been filed against me by them at the XXXX XXXX Courthouse, where I used to work years ago. I am not paying any of these debts, and they are uncollectable. I should not have to file for bankruptcy and waste my money and time on this fraud!!! I am a prior government employee, and they are ruining my business reputation, serving legal documents on me at my home and trying to sue me at the courthouse in my hometown, which is slander, libel, and defamation of character, and I can sue them for that too as I have already spoken with a lawyer about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
I was scammed and I tried to make a complaint with cash app but they denied that it was a scam even though I provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that  has unlawfully accessed and disseminate 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 has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that  has unlawfully accessed and disseminate 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 has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have XXXX hard inquires on my account that were not to my knowledge. All dated XXXX XXXX. The finance institutions names are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is labeled as Auto, XXXX XXXX is labeled as Bank and the rest are labeled as finance. From what I could find out, all of these inquiries were said to be consented to from online access, but it was never disclosed to from who, where & why as I was not the one to agree to this hard inquiry. I believe my info was being used against my discretion for an auto loan. When trying to dispute it through these lenders I was given the run around. They are all partnered with auto/loan companies. I never went in person to have my credit pulled by auto loaners and neither did I give permission to have this accessed online. I am still trying to figure out what source could have given out this info which wasnt per my discretion.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am disputing late payments reported on my federal student loan account with Ed Financial. Due to shifting Federal policies and poor communication from the servicer, I was not informed when payments were to start. I have since brought my account current and requested a goodwill adjustment, but have not received a resolution. I believe this negative mark is unfair given the unique circumstances and servicer transitions. Under the FCRA furnishers can remove such entries in good faith. I am asking CFPB to help facilitate removal of these late payments from my credit report.

Company response to consumer: Closed with explanation