vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Transworld System Inc. 
XXXX XXXX XXXX XXXX, DE XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF FDCPA & FCRA ACCOUNT # XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance. 

1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in the State of Texas ; 5. Surety bond information. 

A billing summary is not proof a debt ownership or legal authority to collect. Continued reporting of this unverified debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes furnishing of inaccurate and incomplete information. 

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : - 15 U.S.C. 1692e - 15 U.S.C. 1692f - 15 U.S.C. 1692g If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency un 15 U.S.C. 1681n and 1692k., including but not limited to statutory damages, punitive damages, legal fees, and costs. 

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: OH

Complaint narrative:
I sent a letter to TransUnion to remove any names or addresses that didnt belong to me. I believe I sent them middle of XXXX beginning of XXXX and they are all still on there. Ive been in XXXX XXXX my whole life and XXXX address is out of town.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
Subject : American Express Violating FCBA - Misapplying 60-Day Rule & Falsely Closing Dispute Sequence of Events & Company Errors : XX/XX/XXXX : I submitted disputes for two charges from XXXX XXXX for a single failed XXXX procedure : {$1400.00} ( XX/XX/XXXX ) and {$480.00} ( XX/XX/XXXX ). 

Amex 's Initial Errors : Amex incorrectly labeled the {$1400.00} dispute as a " tort '' ( medical malpractice ) case and denied the {$480.00} dispute for being " over 60 days '' from the charge date. They ignored that my dispute was for defective services, where the 60-day period starts from defect discovery or merchant refusal, not the charge date. 

My Response : I repeatedly contacted Amex, explained this was a defective XXXX service completed on XX/XX/XXXX, with the defect discovered in XXXX and the merchant refusing repair on XX/XX/XXXX. I requested they apply the correct Fair Credit Billing Act ( FCBA ) rule. 

Amex 's Final Errors ( XX/XX/XXXX ) : Amex closed both disputes, reiterating the wrong XXXX reason. Crucially, they closed the {$1400.00} dispute with a note stating " you requested we cancel the claim, '' which is FALSE. I never requested cancellation ; I requested escalation and correction. 

Legal Violation : American Express is violating the Fair Credit Billing Act ( FCBA ), Section 161 ( a ) ( 3 ). For disputes regarding " services not delivered as agreed '' ( defective services ), the 60-day period to notify the bank begins when the defect is discovered or when the merchant refuses to fix itnot from the original charge date. My dispute is within 60 days of XX/XX/XXXX ( the date XXXX XXXX refused repair ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: OH

Complaint narrative:
I have been contacted on my job and on my cell phone with vague information stating that they need to talk to me regarding a personal business matter. I have repeatedly ask for them to send me something in the mail ; I have asked them to please tell me what this is regarding which they say I need to verify my ss #, dob, and verify that I am the person they are calling. I refuse to give that information out. Of which they start trying to intimidate me by stating we have it anyway and this has been approved by the client to take further action if they can't get this resolved, that my name and ss # has been flagged. I have repeatedly ask them to quit calling my job. I have not done business with these people. I need for them to quit contacting my employer. I need for them to quit calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: OH

Complaint narrative:
XX/XX/year> AMOUNT {$1500.00} THIS ACCOUNT ISNOT MY ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts currently being reported on my credit file. These accounts are the result of identity theft, and I have never authorized or opened them.

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 2025-12-18 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Company being complained about : midland credit management Product or Service : Debt Collection / Credit Reporting What happened : I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 
This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 
The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/ or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: RELIANCE FIRST CAPITAL LLC
State: TX

Complaint narrative:
I completed an online application through XXXX specifically seeking a HELOC ( Home Equity Line of Credit ). I was clear that I was only interested in a HELOC and did not want a home equity loan or any other product. 

XXXX referred me to Reliance First Capital ( New York ), where I was contacted by XXXX XXXX, a loan representative. Despite my explicit request for a HELOC only, XXXX XXXX used my personal information to initiate a credit inquiry that resulted in an online home equity loan application, a product I did not request or authorize. 

After discovering this, I attempted to contact XXXX XXXX but was unable to reach him. When I contacted XXXX to report the issue, I was told that XXXX XXXX was allowed to pull my credit without verifying my eligibility for a HELOC, which I believe is misleading and improper. 

This resulted in an unauthorized credit inquiry, misrepresentation of loan products, and potential harm to my credit. I believe I was misled and that my information was used for a loan product I clearly declined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
Relay Financial advertised a promotion offering a {$300.00} bonus when a customer deposits {$10000.00} into a Relay account and maintains that balance for 90 days. I enrolled in this promotion and complied fully with all the stated requirements. 

Specifically : I deposited at least {$10000.00} into my Relay Financial account on or about XX/XX/year> I maintained a qualifying balance of {$10000.00} or more continuously for the full XXXX holding period, through XX/XX/year> ( 103 days ). 

My account remained open, active, and in good standing throughout the promotional period. 

I did not violate any published exclusions or limitations associated with the promotion. 

Despite meeting these terms, Relay Financial did not credit the {$300.00} promotional bonus to my account within the timeframe stated in the promotion, nor within a reasonable period thereafter. 

I contacted Relay Financial customer support on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inquire about the missing bonus. Although I provided documentation and transaction history showing that I satisfied the promotional requirements, Relay Financial has failed to resolve the issue or issue the promised payment. Responses have been delayed, unclear, or non-responsive, and no definitive explanation has been provided for the denial or delay of the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 XXXXXXXX XXXX XXXXXX/XX/2025

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 2025-12-18 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, and Jefferson Capital system, LLC Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: ME

Complaint narrative:
I have been contacting Cashapp for months now trying to get funds from my old cashapp account transferred to my new cashapp account and I lost the debit card from my old account and I am not able to reset the password for the old account as I can not get access to the email associated to the account. I have verified my identity numerous times with cashapp and have done everything they asked for verification of myself. They are unwilling to send a debit card or a check with the amount on the old account to me even though I have proved it is me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was alerted by a friend that a Chime card came to her house in my name but it was my maiden name. I had informed her that I did not open an account with Chime. I had called Chime who said they would investigate the fraudulent account and asked how I know the account was open. I proceeded to tell them. They had correct social, but wrong address, wrong last name. I had asked how I would find out the account was closed and investigation is complete and was told I needed to put my information in and open app and upload my driver 's license. I informed the woman I was not comfortable doing this, and that they should send me the information via mail, any other bank sends people paper so we have proof in hand. She proceeded to tell me she could not do that. If I needed to report fraud on my credit report from this I would need to send proof that I reported this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing a formal complaint regarding American Expresss handling of a welcome offer on my XXXX Gold Card. 

I applied for the American Express XXXX Gold Card on XX/XX/XXXX and was approved with a welcome offer of XXXX Membership Rewards points after spending {$15000.00} within the first XXXX months. At no point during the application process was I informed that this welcome offer was declined, restricted, or unavailable. There was also no disclosure and no option to accept the card without the welcome offer. 

Relying on the approved welcome offer, I completed the required {$15000.00} spending within the first XXXX months. However, the XXXX Membership Rewards points were never credited to my account. 

I never received any notification, by email, letter, or account message, that the welcome offer had been denied or removed. I only discovered this after contacting American Express customer service. Over a period of three days, I made repeated attempts to reach a supervisor, but no one was able to provide assistance or resolve the issue. 

American Expresss failure to disclose the denial of a high-value welcome offer during the application process, combined with the lack of any notification after approval, induced me to meet significant spending requirements under false pretenses. This constitutes a misrepresentation of material terms and appears to be an unfair and deceptive practice. 

I am requesting that American Express : 1. Honor the originally approved welcome offer and credit the XXXX Membership Rewards points, or 2. Provide written documentation proving that the welcome offer was clearly disclosed as unavailable at the time of application. 

I am requesting a written response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-18 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: TX

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Company keeps calling me after debt has fallen off. There is no reason for the company to call me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My claim was cancelled without my consent or withdrawal and without written determination. Accounts were later closed, and the refund was not issued.

Company response to consumer: Closed with monetary relief