vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express promises trip interruption and cancellation service through its Platinum card. However, what they don't tell is that it is provided by a third party, i.e. XXXX XXXX  and this insurance company will deny your claim no matter what document you provide. 

In my example, the trip was cancelled by the XXXX XXXX XXXX XXXX  on XXXX XX/XX/year>, and I had to book another Bus service called XXXX  ( Cost {$290.00} ) to catch my flight. XXXX XXXX  did the same when I returned on XXXX XX/XX/year> and I again booked XXXX to return to XXXX ( Cost {$290.00} ). I opened a claim with XXXX XXXX  and provided all the detailed information, including the email from XXXX XXXX mentioning they had cancelled the bus service due to unforeseen circumstances. XXXX insurance denied my claim, saying the Bus service needs to specify further. When they did, XXXX XXXX  again asked that it needs to be under 7 of their categories to approve the claim. 

Afterwards, I reached Amex because I felt the insurance company was being unreasonable, but Amex doubled down and said it is not their problem and they can not do anything about it. A service that is tied to their card, and they said it is not their problem. It's false advertising to consumers with their card benefits, nothing else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I XXXX  my friend {$750.00} from my TD Bank checking account. Ever since then my accounts have been frozen due to possible fraud. I do not have access to online banking, debit card or XXXX. We had to answer many security questions in order for the transaction to go through. 

On XX/XX/XXXX I called TD and was on the phone for 30 minutes answering security questions. They assured me that the freeze would be lifted within 48 hours. 

On XX/XX/XXXX I again called TD and was on the phone answering more security questions. They assured me that the freeze would be lifted soon. 

On XX/XX/XXXX I personally went into TD and identified myself. The woman told me that she submitted a request to fraud to have the freeze lifted. It would be done within 1-2 business days. 

On XX/XX/XXXX I called TD again to complain. I spoke with a Supervisor. She said that it could take up to 5 business days for Fraud to look at the request. ( 1 hour and 15 minutes on the phone. ) On XX/XX/XXXX I called my TD branch and spoke with XXXX to complain. ( Each phone call takes me at least 30 minutes. ) Its been 10 days and I have not had access to my accounts! Outrageous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **Date** : XX/XX/XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, Subject : Credit Dispute Civil Liability for Negligence and Noncompliance I am writing to formally dispute certain items on my credit report under the Fair Credit Reporting Act ( FCRA ), particularly in reference to Section 1681.0, which outlines civil liability for negligence and noncompliance when reporting information to consumer reporting agencies. I have recently received a copy of my credit report from Experian, and I am concerned about the accuracy of certain entries. Notably, XXXX has already removed all derogatory and collection items from my credit file, which I believe should also apply to my Experian report, especially in light of the fact that these items may have been reported negligently or without proper verification. Under the FCRA, reporting agencies such as Experian are obligated to ensure the accuracy and completeness of information reported. Section 1681 holds these agencies accountable for negligence and noncompliance in maintaining accurate credit files. Therefore, I am requesting that you conduct a thorough review and investigation into the items that have not yet been removed from my report. Specifically, I request that you : Review all derogatory and collection items reported on my credit file to ensure they are accurate and comply with the provisions of the FCRA. Remove any outdated, inaccurate, or unverifiable information, as these accounts have already been removed from my XXXX report. Provide a copy of the documentation or records used to substantiate the continued reporting of these derogatory or collection items. I ask that you respond to this dispute within the 30-day time frame required by the FCRA. If the investigation reveals that the information reported is inaccurate or unverifiable, I request the immediate removal of these items from my credit report. Please treat this matter with the urgency it deserves. If I do not receive a timely and satisfactory response, I will take the necessary steps to protect my rights as a consumer, including escalating the issue to regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response and a corrected version of my credit report. Sincerely, XXXX XXXX XX/XX/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 2025-03-26 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-26 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: NE

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach Please be informed that I have been impacted by a data breach, and I request the removal and blocking of unauthorized accounts and inquiries from my credit file, pursuant to 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ). 
Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX , Balance : {$0.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} UNAUTHORIZED COLLECTION - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} Inquiries XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX  - G Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX + {$12000.00} Closed XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$21000.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$3500.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX These company are report twice on my credit report when it should be one only this is improper used of credit report and it violation the Fcra, definitely a lawsuit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-03-27 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: NV

Complaint narrative:
I am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : Credit Reporting Agencies Involved : [ Equifax, XXXX, XXXX ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, 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 2025-03-27 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally request your assistance in correcting inaccurate information that is being improperly reported on my credit report. Despite my efforts to resolve this issue with the credit reporting agencies and the original furnisher of the information, the inaccuracies remain and are negatively impacting my credit profile. Details of the Dispute : Credit Reporting Agencies Involved : [ Equifax, XXXX, XXXX ] Incorrect Information Being Reported Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are required to report accurate data. The failure of [ credit bureau/furnishers name ] to correct this information constitutes a violation of federal law. Requested Resolution : I kindly request that the CFPB : 1. Investigate this matter and ensure that the credit bureaus and/or furnisher comply with federal laws. 2. Require the removal or correction of the inaccurate information. 3. Ensure that I receive an updated copy of my corrected credit report. I have attached supporting documents, including my dispute letters, responses from credit bureaus, and any relevant account statements. I appreciate your prompt attention to this matter, as these inaccuracies are affecting my financial stability. Sincerely, 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 2025-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm writing with regards to a complaint against Capital One for restricting my XXXX XXXX account following an attempted purchase at the XXXX XXXX. The card was declined and I called immediately to let them know I was trying to make a purchase. They said the card will be restricted and can not be used until I provide 3 months of bank statements. They could not clarify why or tell me what is going on with regards to the account I own. Now my account is frozen and I'm unable to use my primary card. This appears to be a common thing with Capital One, as there are tons of online articles and chat forums with people experiencing similar issues, especially with this card. I believe Capital One needs to be investigated for these practices. I've always paid my cards in full, never late, and have sufficient funds with my bank account. I recently received a miles bonus through them too, which they froze and I can not use now. I'm unhappy that as an account holder, I'm left in the dark with what is going on with my credit card and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit management showing on my credit report saying I owe {$360.00} and $ XXXX asked for validation of debt they cant verify any accurate information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX, I submitted XXXX payments through the payment gate, XXXX. 

The amount of the purchase was {$240.00}. I completed {$230.00} and {$15.00} transactions for this purchase. 

I paid a seller on the platform XXXX  for virtual video game keys. When the seller failed to deliver the purchased goods, I filed a dispute within 24 hours with Wells Fargo.

I was given zero provisional credit and by the end of the investigation ( XX/XX/XXXX ), I was denied the claims. 

Lastly, when I went to appeal this dispute I was told that Wells Fargo doesnt have dispute rights to a third party. Which doesnt make sense to me. Thus, I was given zero options as I already contacted both XXXX and Wells Fargo.

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 2025-03-26 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: LA

Complaint narrative:
I have requested removal of accounts that do not belong to me. I have sent the credit reporting agency a copy of my driver 's license, social security card, entire police report and address. The accounts in question are, XXXX  XXXX bankruptcy filed XX/XX/XXXX, XXXX XXXX XXXX  Credit Card opened XXXX, XXXX XXXX, XXXX XXXX credit card opened XXXX, XXXX XXXX, XXXX XXXX Credit Card opened XXXX, XXXX XXXX, XXXX line of credit opened XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card opened XXXX, XXXX XXXX, XXXX XXXX XXXX credit card opened XX/XX/XXXX, XXXX XXXX XXXX opened XXXX, XXXX XXXX, XXXX XXXX XXXX opened XXXX, XXXX, XXXXXXXX XXXX opened XXXX, XXXX XXXX, XXXX XXXX credit card opened XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Auto Lease opened XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX  unsecured opened XXXX, XXXX, XXXX XXXX, XXXX VA XXXX XXXX opened XX/XX/XXXX XXXX All the accounts listed were opened by identity fraud. 

Inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX I have sent certified mail all documents including list, proof of identity, identity theft report from the FTC and police report that was signed for at the company. However, the credit, bureau has not removed the incorrect information related to the identity thest that has occured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX  - G Inquiry : XX/XX/XXXX + Personal Loans Cos. 
( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX + {$12000.00} Closed XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$21000.00} In good standing XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$3500.00} In good standing XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Reported XXXX XXXX XXXX, XXXX These company are report twice on my credit report when it should be one only this is improper used of credit report and it violation the Fcra, definitely a lawsuit

Company response to consumer: Closed with explanation