vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
Subject : American Express XXXX XXXX XXXX XXXX in No Show and Loss of Refund In XX/XX/year>, I purchased airline tickets through the American Express XXXX website for travel with XXXX XXXX. Due to urgent immigration-related issues, I canceled the tickets directly through the Amex XXXX XXXX XXXX in advance of the departure date. 

Despite using Amexs own cancellation system, XXXX XXXX later marked me as a no-show, which disqualified me from any refund or credit. When I contacted XXXX XXXX, they informed me that they could not assist because the ticket was booked and supposedly canceled through a third party in this case, Amex XXXX and they never received a valid cancellation notification. 

In short, I followed all the correct steps, but the Amex XXXX platform failed to properly communicate the cancellation to XXXX XXXX. As a result, I lost the full value of my ticket. 

I contacted American Express for help, but their support has been unhelpful and dismissive. They have not accepted responsibility, issued a refund, or provided any viable resolution. There were XXXX escalations done through them, but they dismissed everything, saying they did cancel even though XXXX has confirmed that it was a NO SHOW. I will upload their email as proff. Also when I advised them to listen to the recording when i talked with AMEX reps about them saying that you will have credit they said they could not find any thing. 

What I'm Asking the CFPB to Help With : A full refund of the ticket cost, or A travel credit of equal value A formal investigation into Amex XXXX 's failure to relay cancellations, and whether this constitutes deceptive or negligent business practices. 

This situation resulted in a financial loss through no fault of my own, and I believe American Express mishandled my transaction and violated my rights under the Fair Credit Billing Act. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This is not the original debt holder ; they are the buyer and can not provide the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CCS failed to respond to my debt validation request with any meaningful documentation.

They simply marked the debt as verified with the credit bureaus specifically Equifax without providing me with any proof that the debt is mine, valid, or collectible.

No contract. No billing statements. No chain of custody. Nothing.

This is a direct violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as they are furnishing and verifying a debt without substantiation. 

Their refusal to validate but continued reporting and collection activity is : Misleading Unlawful Damaging to my credit and financial well-being

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filled numerous reports of fraudulent accounts reporting on my credit report. TransUnion has failed to take action and block or delete these accounts. I get stall tactics with no results. Constantly violating my rights and protections under FCRA.

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 2025-06-18 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 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: NC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 2025-06-18 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-06-18 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: NV

Complaint narrative:
I am formally disputing all unsubstantiated, unverifiable, and inaccurate information contained in my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and Metro 2 Compliance Reporting Standards. You are hereby placed on formal notice that the following reported information is in direct violation of federal and state law due to your failure to maintain permissible purpose, lawful accuracy, and certified Metro 2 data integrity. 

Accounts Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations Include ( but not limited to ) : FCRA 1681b ( Permissible Purpose Violations ) FCRA 1681i ( Failure to Reinvestigate ) FCRA 1681e ( b ) ( Maximum Possible Accuracy Violations ) Metro 2 2020 Credit Reporting Resource Guide Violations FDCPA 807 ( False or Misleading Representations ) Willful Noncompliance under FCRA 1681n My Demands Are As Follows : Provide tangible, physical, and verifiable evidence proving that : You possess original signed contracts bearing my signature. 

You have permissible purpose to report or obtain any information listed above.

All reported data fully complies with Metro 2 standards.

In the absence of full legally verifiable evidence, I demand you immediately DELETE all accounts, collections, inquiries, and inaccurate personal information listed above.

Provide me with a full updated copy of my corrected credit report and written confirmation of deletion via physical mail.

You have XXXX  days under FCRA 1681i ( a ) ( 1 ) ( A ) to complete your reasonable investigation and fully comply with this demand.

Failure to comply will constitute willful noncompliance under FCRA 1681n and 1681o. If your noncompliance causes financial, reputational, or credit damage to me, I will immediately pursue legal remedies. Each separate violation subjects your company to statutory damages of {$1000.00} per violation, plus punitive damages, costs, and attorneys fees. 

If your intentional negligence or continued reporting results in harm, I will not hesitate to initiate both civil and criminal actions where applicable, including but not limited to fraud, identity theft enablement, and violations of consumer protection laws. Your agencys behavior will be presented as willful, injurious, and malicious, as I reserve full legal rights to pursue maximum relief under all applicable statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I received a notice in the mail that I owe XXXX for a nelnet federal student aid loan. This is not my debt. I am XXXX XXXX XXXX and I have not had any schooling, nor have I co-signed a nelnet loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called XX/XX/XXXX to settle this problem. The person that I spoke with told me that I could not settle this because I needed to wait to receive a response from the law firm. I ask about the original debt amount, an amount of {$2600.00} was given from XXXX. This is a lie. My original debt was possibly {$1200.00}. ( I am currently trying to get the exact amount from BofA. Once I get that amount I will post it here. ) I asked what is the current amount they are trying to get from me now and the lady mentioned that it was almost {$5000.00}. I was so outraged that by this amount that I did not write down the exact amount. 

This law firm sent me a letter saying that I owe approximately {$3500.00}. This law firm is hiding behind having a judge that signs documents they are not reading and just signing. Something needs to be done about this injustice. What does this mean? Will they keep coming after me to say I owe more and more money and there will be no end. 

I asked this law firm to send me an email with what we discussed during the call and the person told me that they do not send an email with the transcripts of the call. I wanted something in writing where it says that they would not settle with me until they send out there response by mail. That was not provided.

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 2025-06-18 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: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( XXXX ) ( B ) ( i 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 non-monetary relief
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX To Whom It May Concern, I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax / TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply. 
Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted. 
I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case. 
2. What do you believe is the issue? 
Credit reporting company failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account XXXX. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signiture. If not, please delete the account as soon as possibile from my Credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: OLD NATIONAL BANCORP
State: ID

Complaint narrative:
I am filing this complaint regarding Old National Banks promotional offer for a {$650.00} checking account bonus. The promotion clearly stated that customers must : Make qualifying direct deposits totaling at least {$3500.00} per month for XXXX consecutive calendar months after account opening. [ Please see the attached promotional offer document ] I opened my account in XX/XX/year> and made the following qualifying direct deposits from my employer : XX/XX/year> {$3900.00} XX/XX/year> {$3900.00} XXXX XXXX, 2025 {$3900.00} Each deposit exceeded the $ XXXX requirement, and these deposits occurred in XXXX consecutive calendar months after opening the account XXXX, XXXX, and XXXX. 

However, Old National denied the {$650.00} bonus, stating that XXXX does not count and that the XXXX window begins in the calendar month after account opening. They claim that I needed to make deposits in XXXX, XXXX, and XXXX and because I had deposit less than {$3500.00} in XXXX, I did not qualify for {$650.00}, but only for {$300.00}. 

This restriction was not disclosed in the main promotional steps. It was hidden in the fine print, while the bold, visible instructions simply said, after account opening, which I reasonably understood to include the opening month. 

Why I believe this is deceptive : I followed the clear, visible instructions and made XXXX consecutive, high-value deposits immediately after opening my account ( XXXX, XXXX, XXXX ) The exclusion of the opening month was buried in legal fine print, not transparent to customers acting in good faith. 
I was awarded the {$300.00} bonus ( for deposits above $ XXXX ) but denied the {$650.00} bonus, despite meeting the intent of the higher-tier promotion. 

Attachments : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief