vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I purchased a bike from XXXX ( XXXX XXXX XXXX ) that arrived damaged right out of the box. I immediately took photos and sent them to XXXX, they said the bike was fine and they were just some scratches. When I started riding the bike I could tell it was not fine, it was making a squeaking noise. We got another new bike from them as well that doesn't have these issues. 

I asked XXXX to refund or replace the damaged bike. They agreed but said that I would have to package it for return. The box was damaged in the delivery/removal of the damaged bike, so I could not use it to re-package the bike. XXXX refused to send return packaging and said it would be my responsibility. 

I filed a dispute with both paypal and then amex, who both deferred to XXXX. I have a screen shot of Amex saying they have no control and they have to abide by merchant terms. But the merchant broke the agreement when they sent me a broken product. 

I placed my order with XXXX XX/XX/XXXX, the bike arrived XX/XX/XXXX and I emailed photos to XXXX as soon as I took it out of the box. The email was sent at XX/XX/XXXX at XXXXXXXX XXXX 

I suggested to XXXX they send me a replacement and I use the box from the replacement to ship back the defective one with a prepaid label they provide could then provide me with. 

When I could not resolve this with XXXX directly, I filed a dispute with XXXX, as I paid with my american express card through XXXX. XXXX treated it like a simple return/exchange and denied my dispute. 

American Express is refusing to stand behind me as a customer or follow the protections guaranteed under the Fair Credit Billing Act ( 15 U.S.C. 1666i ). I bought a product that arrived defective and not as described. The seller refused to provide any return packaging, the original box was destroyed when it was delivered, and sending it back would cost me hundreds of dollars out of pocket, which is completely unreasonable. 

AmEx originally opened a dispute but then closed it, saying, The merchant denied our dispute request. We suggest you reach out to them. We have exhausted our capability to assist you. That tells me AmEx is simply accepting whatever the merchant says instead of doing an independent investigation or applying the consumer protections required by law. 

The FCBA gives me the right to withhold payment when a product is defective, regardless of what the sellers policies say. AmExs refusal to act on that, even with clear evidence, is a violation of those protections and of my rights as a cardholder. 

I've been reasonable and willing to resolve this in several ways, but instead I'm being forced to either pay for return packaging materials, or pay for damaged goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company 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 2025-09-25 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: NY

Complaint narrative:
My personal information was stolen and someone opened an account fraudulently with XXXX XXXX and 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 2025-09-25 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: OH

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Experian, a nationwide consumer reporting agency, for their failure to properly investigate and resolve disputes as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( FCBA ).

Despite my repeated disputes, Experian continues to report inaccurate and incomplete account information. Below are specific accounts that remain unresolved : XXXX XXXX XXXX ( Collection Account ) Marked UNDER DISPUTE but remains unresolved with no meaningful investigation. 

XXXXXXXX XXXX XXXX Disputed , yet Experian reports NO STATUS and fails to provide a valid verification. 

XXXX XXXX XXXX Disputed, yet the account remains with no correction. 

XXXX XXXX XXXXXXXX Updated after dispute but still inaccurately reported as charged off despite ongoing investigation. 

XXXX XXXX XXXX XXXX Remains in dispute status without resolution. 

These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. Specifically, Experian has failed to : Conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) Provide a description of the reinvestigation procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Delete unverifiable or inaccurate information as required by 15 U.S.C. 1681i ( c ) Notify me of the results of the reinvestigation within five business days as required under 15 U.S.C. 1681i ( a ) ( 3 ) Additionally, Experian has placed a security freeze on my file citing FEDERAL LEGISLATION, which has not been adequately explained, further restricting my access to fair and accurate credit reporting.

I request that the CFPB : Investigate Experians dispute handling practices Ensure Experian completes a proper reinvestigation of all disputed items Remove any information that can not be verified Provide me with written results of the reinvestigation and a free updated credit report I have attached supporting documentation, including my Experian credit report.

Please contact me if you need additional information. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Experian, a nationwide consumer reporting agency, for their failure to properly investigate and resolve disputes as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( FCBA ).

Despite my repeated disputes, Experian continues to report inaccurate and incomplete account information. Below are specific accounts that remain unresolved : XXXX XXXX XXXX ( Collection Account ) Marked UNDER DISPUTE but remains unresolved with no meaningful investigation. 

XXXXXXXX XXXX XXXX Disputed , yet Experian reports NO STATUS and fails to provide a valid verification. 

XXXX XXXX XXXX Disputed, yet the account remains with no correction. 

XXXX XXXX XXXXXXXX Updated after dispute but still inaccurately reported as charged off despite ongoing investigation. 

XXXX XXXX XXXX XXXX Remains in dispute status without resolution. 

These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. Specifically, Experian has failed to : Conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) Provide a description of the reinvestigation procedure under 15 U.S.C. 1681i ( a ) ( 7 ) Delete unverifiable or inaccurate information as required by 15 U.S.C. 1681i ( c ) Notify me of the results of the reinvestigation within five business days as required under 15 U.S.C. 1681i ( a ) ( 3 ) Additionally, Experian has placed a security freeze on my file citing FEDERAL LEGISLATION, which has not been adequately explained, further restricting my access to fair and accurate credit reporting.

I request that the CFPB : Investigate Experians dispute handling practices Ensure Experian completes a proper reinvestigation of all disputed items Remove any information that can not be verified Provide me with written results of the reinvestigation and a free updated credit report I have attached supporting documentation, including my Experian credit report.

Please contact me if you need additional information. Thank you for your assistance.

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 2025-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I sent a letter on XX/XX/year> to my rocket mortgage, regarding a recent notice from their office about a new wind insurance requirement on the above-referenced property and mortgage account. I was concerned about this sudden change, especially since no such requirement was mentioned at the time of closing. At the time of closing, I provided complete insurance documentation for the financed property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as the office requested. That insurance has remained active and in good standing, with no coverage gaps. During the closing process or at any point in the past XXXX months, I was never informed that additional wind insurance would be necessary. This new demand, raised only now, seems to contradict the terms and disclosures presented at closing. Most notably, I received a voicemail from their office on XX/XX/XXXX at XXXX pm CT, in which it was clearly stated that the failure to disclose the wind insurance requirement was an error. Based on that information, I formally raised the following concerns : If wind insurance were genuinely necessary, then not disclosing this at closing counts as an error or oversight by your company. This omission could be classified as lender negligence, as I was not adequately informed about the true scope of required insurance coverage. Depending on the relevant consumer protection and lending laws in this jurisdiction, retroactive enforcement of an undisclosed condition might also be considered an unfair business practice. Therefore, I respectfully requested a written explanation addressing the following : Confirmation that wind insurance was not disclosed at closing. A statement acknowledging the voicemail message and your companys admission of error. Clarification on whether the omission was due to an internal oversight and what steps will be taken to correct it. Your plan to resolve this issue without penalizing me for failing to meet a requirement I was never informed of. Please note that I am maintaining detailed records of all communications regarding this matter and will escalate to the appropriate regulatory bodies or seek legal recourse if necessary. They never responded but they did send a second notice stating that I had a lack of coverage I went ahead and purchased the wind insurance. Now I received a bill for a gap in coverage I called to dispute the charge they informed me that the insurance I provided at time of closing showed I had wind and fire which is not the case because Ive had the same insurance I have now. I argued the fact that I was not told of the wind insurance until XXXX. I dont understand why I need to pay for something that I was not aware of or covered by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
I am writing 6th follow up on my previous complaint regarding fraudulent items that remain on my credit file. While I acknowledge that some items have already been removed, there are still accounts and inquiries being reported that were opened without my knowledge or authorization.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file that does not include fraudulent or unauthorized information. Continued reporting of these items, despite my dispute, is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires that disputed informationremoved if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 writing 6th follow up on my previous complaint regarding fraudulent items that remain on my credit file. While I acknowledge that some items have already been removed, there are still accounts and inquiries being reported that were opened without my knowledge or authorization.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit file that does not include fraudulent or unauthorized information. Continued reporting of these items, despite my dispute, is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires that disputed informationremoved if it can not be verified.

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 2025-09-25 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Zendable, Inc.
State: TX

Complaint narrative:
This item is not mine and I have no knowledge of it

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting to formally dispute the reporting of several hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and may have been made without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). Under FCRA, hard inquiries may only be reported and maintained on a credit file if they are initiated by the consumer or made with proper authorization. I did not initiate or provide consent for many of the inquiries listed below, and as such, I am requesting that you investigate and permanently remove them from my credit report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting to formally dispute the reporting of several hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and may have been made without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ). Under FCRA, hard inquiries may only be reported and maintained on a credit file if they are initiated by the consumer or made with proper authorization. I did not initiate or provide consent for many of the inquiries listed below, and as such, I am requesting that you investigate and permanently remove them from my credit report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
regarding an alleged debt. I am formally requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A detailed statement of the account showing charges, payments, and interest ; Proof that you are authorized to collect this debt on behalf of the creditor ; A copy of any judgment ( if applicable ) ; A copy of the original signed contract or agreement that created this debt.

Until this debt is validated, I request that all collection activity cease, including reporting to credit bureaus. If you do not provide this validation within 30 days, or if you continue to report this account without proper verification, it may be considered a violation of the FDCPA. 

Please respond in writing. I also request that you do not contact me by phone regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

It is also a violation of 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers have access to complete and accurate disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Portfolio recovery associates I dispute this debt and request validation of the debt under the Fair Debt Collection Practices Act. Please provide documentation showing you have the legal right to collect this debt, including the original creditor name, an itemized statement, and proof of assignment. Until you provide verification, cease collection activities and mark any credit reporting as " in dispute. '' Do not contact me by phone. Send verification in writing to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief