vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
My name is XXXX XXXX. In XX/XX/XXXX, I applied for an American Express XXXX Gold credit card through the American Express webpage, which advertised a XXXX promotional offer after meeting a specific spending requirement within the first XXXX months. The card carries an annual fee of {$370.00}. I paid this fee and fulfilled the spending requirement on time, yet American Express has refused to award the XXXX points as promised. 

First Call ( XX/XX/XXXX ) : When I contacted American Express, the first agent confirmed that I qualified for the XXXX promotion and stated that the points would arrive in XX/XX/XXXX. 

Second Call ( XX/XX/XXXX ) : Since the points never arrived, I called American Express again. This time, a different agent claimed my promotional offer was declined without providing any specific reason. I have not held this card previously, nor do I have any negative account history with American Express. 

Unfortunately, all attempts to resolve this issue directly with American Express have failed. Consequently, I am filing a complaint with the CFPB to recover the XXXX points promised under the original promotional offer. 

The same situation occurred with my husband, XXXX XXXX, who also applied for the American Express XXXX Gold credit card under the same XXXX promotional offer. Like me, he paid the {$370.00} annual fee, met the spending requirement, and was later informedwithout explanationthat the promised points would not be awarded. 

We are jointly requesting that American Express honor the full XXXX points ( XXXX points each ) as stated in their advertised promotion. The specific card details are as follows : XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX Card Number : XXXX XXXX XXXX Since our direct communications with American Express have not resulted in a fair resolution, we look to the Consumer Financial Protection Bureau ( CFPB ) to assist us in obtaining the XXXX points ( XXXX for each account ) that were promised at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX  XXXX {$400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4800.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX  Balance {$750.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance {$190.00} Open Date XXXX XXXX, XXXX XXXX  XXXX XXXX Balance {$52.00} Open Date XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
My residence was damaged on XX/XX/year> and am still awaiting the final payout of the remaining funds from my Mortgagee company NewRez Shellpoint Mortgage. Below I completed the complaint in a timeline : XXXX : XXXX damage occurred to residence due to a storm. 
XXXX : XXXX XXXX received complaint. 
XXXX : Claim was assigned to XXXX XXXX team member. 
XXXX : XXXX completed. 
XXXX : XXXX received from XXXX. 
XXXX : Claim was assigned to a claims representative XXXX XXXX. 
XXXX : Claim was assigned to a claims representative XXXX XXXX. 
XXXX : Received Service Agreement from XXXX XXXX XXXX XXXX and XXXX. 
XXXX : Claim check for {$30000.00} was received by NewRez. 
XXXX : NewRez Received Estimate and all required documents. 
XXXX to XXXX : After waiting for quite sometime I contacted NewRez who explained the check had not been issued and they were now issuing it. 
XXXX : I XXXX deposited a check for {$20000.00} deposit for work. 
XXXX : The work was completed with a final {$5400.00} bill. 
XXXX to XXXX I contacted NewRez to ask why the final check hadn't been issued and they claimed they were waiting for the inspection. 
XXXX : NewRez received a final inspection regarding the work. 
XXXX to XXXX : I contacted NewRez numerous times asking why the check hadn't been issued and was told the original completed inspection had the wrong address and they would have to contact the inspection company to get it changed. 
XXXX : NewRez received another inspection report with the correct address. 
XXXX to XXXX : NewRez was contacted several times regarding the issuance of the check and on numerous occasions they said it was being issued. Numerous time we had to speak to supervisors who said mistakes were made and they personally had to make sure the check was issued. 

As of XXXX we have yet to receive the final check which is needed to pay our XXXX the remaining balance, as well as ; completing small area 's of damage which remain to the residence. Throughout this process it has been extremely stressful and there shouldn't be a need for my wife and I to follow-up with the mortgage company to complete their tasks. This process was stressful and I feel as if I have to babysit this mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MI

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 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 2025-03-29 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: MI

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: IL

Complaint narrative:
I called Compulink Corporation & HUD, based out of XXXX, OK, at least 5 times during XXXXXXXX XXXX XXXX XXXX XXXX Each time I called the XXXX Department, I spoke with a representative who took my request for loan payoff details. I've been informed that it can take up to 5 days for them to respond to all inquiries. However, after several months, I have not received any information! No one has made contact with me. I am 84 years young, and I would like the opportunity to cancel the reverse mortgage on my house.

I hope they are not prolonging the process in hopes that I may die in waiting.

Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: PA

Complaint narrative:
I have a cash app card and I was accused of fraudulent activity which I didn't commit. my card was charged multiple times and the company did not believe me and I never received a refund. I can't use my card because they locked it indefinitely and won't let me order a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: NJ

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : account number XXXX, : XXXX XXXX : account number XXXX, : XXXX XXXX XXXX XXXX : account number XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency it 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 2025-03-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$170.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$210.00} Open Date XX/XX/XXXX XXXX XXXX XXXX {$71.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX {$820.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$380.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$300.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$180.00} Open Date 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 2025-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: FL

Complaint narrative:
I dont have the exact dates but in multiple occasions since XXXX of last year I have been trying to fight this and get my money back. If cash app knew these people were scammers and didnt let me send the money thru I would have never been scammed the money. I have all my messages and all the paperwork between me and the scammer And I have asked for a refund and tried to do everything I can with no final results from them one message stated I could get my Money back no problem. Then when I keep trying I get told that there is nothing they can do. And I know in fact there is they can deduct the money out of the account and send it back to me but they wouldnt do it. So now I am sitting here stuck missing out on my XXXX and still no results a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXX/XX/XXXXXXXX XXXX {$400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$4800.00} Open Date XXXX XXXX,XX/XX/XXXX Balance {$750.00} Open Date XX/XX/XXXXXX/XX/XXXX Balance {$52.00} Open Date XX/XX/XXXX 2024

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 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I did not authorize the release of my personal account information to any third-party agency, and I would like to understand the basis on which this information was shared.

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 2025-03-29 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: FL

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 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 2025-03-29 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: GA

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.

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 2025-03-29 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-29 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: GREENSKY OPERATIONS, LLC
State: FL

Complaint narrative:
Original Complaint : XXXX XXXX Complaint : XXXX Inaccurate pay out - Greensky only provided a transaction log that is still not accurate, money is still owed. 

Delinquencies/Negative remarks- I asked why Greensky deliberately chose to continuously report negatively to XXXX, the response I received was " I dont know '' which in no way satisfies or corrects the impact their actions have effected me. The initial complaint/dispute was submitted in XXXX of 2022, based on the contractual agreement signed by both parties, NO reporting, especially negative remarks, should not have been done. 

I am entitled to all legal & monetary compensation for the derogatory & hurtful impact the intentional & erroneous reporting done by Greensky & will continue to submit complaints until Greensky is properly held accountable & I have rightfully been compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this compliant regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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