vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: VA

Complaint narrative:
b'*XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (FDCPA)**\n\nTo Whom It May Concern:\n\nThis letter serves as a formal notice disputing the validity of the alleged debt you claim I owe. Under the **Fair Debt Collection Practices Act (FDCPA)**, 15 U.S.C. 1692g, I am exercising my right to request full debt validation.\n\nYou are required by law to provide the following:\n\n1. **Proof that I owe this debt**, including a signed original contract or agreement.\n2. The **name and address of the original creditor**.\n3. A **complete itemized accounting** of the alleged balance, including interest, fees, and payments.\n4. **Proof of assignment or ownership** of the alleged debt.\n5. **Proof that you are legally licensed to collect debts in the Commonwealth of Virginia.**\n6. **Verification that this debt was not discharged or included in any bankruptcy proceeding**, with supporting evidence.\n\nUntil such proof is provided, you must **cease all collection efforts** including calls, letters, and credit reporting. Reporting unverifiable information to Equifax, Experian, or TransUnion will constitute a **violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2)**.\n\nFailure to comply within 30 days will result in a violation of the FDCPA and may subject your company to **civil liability, including statutory damages up to $1,000 per violation**, as well as actual damages and legal fees.\n\nPlease forward all correspondence and documentation to my address listed above. All future communications must be in writing only.\n\nSincerely,\n**XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
b'*XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (FDCPA)**\n\nTo Whom It May Concern:\n\nThis letter serves as a formal notice disputing the validity of the alleged debt you claim I owe. Under the **Fair Debt Collection Practices Act (FDCPA)**, 15 U.S.C. 1692g, I am exercising my right to request full debt validation.\n\nYou are required by law to provide the following:\n\n1. **Proof that I owe this debt**, including a signed original contract or agreement.\n2. The **name and address of the original creditor**.\n3. A **complete itemized accounting** of the alleged balance, including interest, fees, and payments.\n4. **Proof of assignment or ownership** of the alleged debt.\n5. **Proof that you are legally licensed to collect debts in the Commonwealth of Virginia.**\n6. **Verification that this debt was not discharged or included in any bankruptcy proceeding**, with supporting evidence.\n\nUntil such proof is provided, you must **cease all collection efforts** including calls, letters, and credit reporting. Reporting unverifiable information to Equifax, Experian, or TransUnion will constitute a **violation of the Fair Credit Reporting Act (15 U.S.C. 1681s-2)**.\n\nFailure to comply within 30 days will result in a violation of the FDCPA and may subject your company to **civil liability, including statutory damages up to $1,000 per violation**, as well as actual damages and legal fees.\n\nPlease forward all correspondence and documentation to my address listed above. All future communications must be in writing only.\n\nSincerely,\n**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 2025-11-02 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: AZ

Complaint narrative:
I disputed XXXX charges to XXXX XXXX  on my XXXX XXXX XXXX {$3000.00}, {$3000.00}, and XXXX XXXXXXXX the same project. I emailed XXXX a complete set of documentation covering all three disputes. XXXX approved and refunded the {$3500.00} charge using that documentation. 

However, XXXX later denied XXXX of the {$3000.00} charges, stating that too much time had passed. This is XXXX already had my evidence months earlier, and it was the same documentation used to approve the related dispute. I only realized the {$3000.00} claim hadnt been processed when the {$3500.00} refund posted. 

I re-submitted my documentation and emailed XXXX on XX/XX/year> to request escalation and clarification. XXXX did not address that they already had my original submission and simply said the claim was outside the time window. 

I am asking for XXXX to review or reopen this {$3000.00} dispute. The evidence was submitted on time and has already been accepted by XXXX and other card issuers ( XXXX and XXXX ) for the same merchant and issue.

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 monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I qualified for Cash Apps XXXX  XXXX  promotion by spending over {$540.00}, which per Cash Apps own terms made me eligible for XXXX-XXXX  benefits including {$200.00} overdraft protection, higher savings interest, and priority support. Screenshots show confirmation of this status and promotional eligibility. Despite meeting every requirement, Cash App failed to activate the advertised benefits and instead limited my overdraft coverage to {$50.00} without explanation. 

I contacted Cash App Support and requested written clarification and documentation regarding the failure to honor the XXXX XXXX program. After raising concerns that this might violate CFPB and FTC consumer-protection standards, the company abruptly restricted and then closed my account, citing suspected fraud. This occurred immediately after my complaint even though my account had no unauthorized activity or policy violations. 

The closure notice stated I could appeal, but when I contacted support, they refused to provide any documentation or specific reason for labeling my account as fraud, directing me only to contact law enforcement. I have attached screenshots confirming my account activity, XXXX XXXX achievement, XXXX XXXX eligibility, and the abrupt account closure. 

This behavior appears retaliatory and deceptive. Cash App solicited participation in its promotions and credit-related programs, failed to deliver the promised benefits, and then retaliated against me for raising a legitimate consumer complaint. 

I am requesting that Block, Inc. ( Cash App ) : Provide a written explanation and documentation of the fraud determination ; Reinstate my account and benefits or release any remaining funds ; and Be investigated for deceptive advertising and unfair business practices under the Consumer Financial Protection Act, FDUTPA, and the FTC Act 5.

Attached evidence : Screenshots showing ( 1 ) XXXX XXXX qualification, ( 2 ) XXXX  XXXX  eligibility ( {$200.00} limit ), ( 3 ) account closure notice citing fraud, and ( 4 ) prior support correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am the owner of an Experian checking account. My name is XXXX XXXX. I have been unable access to my account for more than 30 days because the one-time passcode ( OTP ) is being sent to an outdated phone number on file.

Despite numerous attempts to contact Experian through phone, email, and U.S. mail, I have received no response or assistance. I am ready and willing to provide identity verification.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express XXXX XXXX. The card includes an advertised benefit of XXXX XXXX XXXX elite status. 

I enrolled correctly and made XXXX direct XXXX reservations using my XXXX number ( XXXX XXXX XXXX, XXXX and XX/XX/XXXX, XXXX XXXX, XXXX ). The XXXX benefit did not apply to either reservation. 

XXXX, acting as the designated benefit provider for American Express, instructed me to cancel and rebook with the assurance the price would remain the same so my XXXX XXXX status would display. I relied on that instruction, and as a result, my XX/XX/XXXX rental cost increased from {$520.00} to {$1200.00} an increase of {$710.00}, causing direct financial harm. 

I have spent over 20 hours attempting to resolve this issue with American Express. I repeatedly requested escalation to the Benefits XXXX team or XXXX XXXX XXXX XXXX, and American Express agents explicitly stated they have no way to escalate the issue or accept supporting documentation. 

This is a failure to provide an advertised credit-card benefit and a provider misrepresentation that caused financial loss. American Express has refused to provide proper review or resolution. 

I am seeking : Compensation for the {$710.00} in documented financial harm Compensation for the lost XXXX benefits on XXXX rentals Proper ability to submit supporting documents I have all receipts, confirmations, and documentation and will provide them upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
Hello, I have been a customer of Discover since XXXX. Recently, my bank account changed, which resulted in a payment not occurring. I immediately updated the information on the Discover website. There was no method to verify the account with a system such as Plaid or deposits. Discover then claimed this account failed and charged a {$30.00} return check fee. Upon talking to Discover they could not provide more information other than there is an issue and refused to waive or return the fee. They told me to contact my bank, which I did, and they said they do not charge fees and looked into my account. There were no issues.

Discover has been unable to tell me if the account information was wrong and I speculate it was an issue in their system. This feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft stemming from the XXXX  Data Breach ( XXXX ). 

All accounts and inquiries listed in my TransUnion dispute, except my XXXX XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX are fraudulent. 

I have provided proof of identity, proof of address, and an FTC Identity Theft Report. 

I request immediate deletion and blocking of all fraudulent information. 

TransUnion must not reinsert deleted data without written verification from the original creditor.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Macys American Express card issued by Citibank , N.A . There is a fraudulent charge for {$28.00} on XX/XX/year> to XXXX that I did not make, nor did I give anyone authorization to make. I attempted to dispute the charge with customer service, but I keep getting a run around. I was originally told that the charge was going to be disputed, along with late fees that were placed on my account. Later I found that the late fees were removed but the charge remained. So I called again 2-3 weeks later and was told the account must be up to date first, which violates the Fair Credit Billing Act. Because of this, a late payment and late fees have been accrued and it was reported to the credit bureaus. I am requesting that the charge be removed and that the late payment be deleted from my credit reports. Ive never made a late payment, and have over an XXXX XXXX XXXX and now this has damaged my 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 monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I confirmed through the Florida Office of Financial Regulations REAL System that Jefferson Capital Systems , LLC reactivated its Consumer Collection Agency license ( No. XXXX ) on XX/XX/year>, after a lapse. This means Jefferson Capital conducted collection and reporting activity in Florida for an extended period while unlicensed, including during its lawsuit against me, which I believe violates Fla. Stat. 559.553 and 559.72 ( 9 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an unexplained drop in my Equifax credit score as reported through XXXX XXXX. As of XX/XX/2025, my Equifax score decreased by XXXX points, falling to XXXX, even though XXXX XXXX reported no changes to my Equifax credit report. 

The app itself stated, We found no changes to your Equifax credit report, yet my score still dropped significantly. This suggests either : An internal scoring recalibration by Equifax that was not properly disclosed ; or A reporting or data integrity issue within Equifaxs credit scoring systems.

This unexplained decrease could negatively affect my creditworthiness and access to credit products, despite no new accounts, late payments, or other credit events occurring on my record.

Details : Credit Bureau : Equifax Date of Score Drop : XX/XX/2025 Change Noted : XXXX points New Score : XXXX Source of Information : XXXX XXXX Notification Text : We found no changes to your Equifax credit report.

Impact : This issue may impact my financial reputation and borrowing opportunities. I request that the CFPB investigate whether Equifaxs scoring or reporting systems are inaccurately altering credit scores without clear cause or notice to consumers.

Requested Resolution : Require Equifax to provide a written explanation for the XXXX score drop despite no changes on my credit file.

Ensure correction or restoration of my credit score if the drop was due to an internal scoring error.

Request Equifax to provide better transparency on score adjustments and model recalibrations that affect consumers credit ratings.

Attachments : Screenshot from XXXX XXXX showing Equifax score drop and no changes message ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  CFPB via fax XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. 


Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Best regards, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  CFPB via fax XXXX XXXX XXXX XXXXXXXX

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