vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am submitting a formal complaint under the Fair Credit Billing Act ( FCBA ) against American Express National Bank ( Amex ). On XX/XX/2025, XXXX unauthorized transactions {$3500.00} and $ XXXX to my Amex account from XXXX XXXX XXXX I did not make these purchases, have never given my card information to anyone, and do not hold any type of vendor or commercial account with XXXX XXXX. Despite my explicit statement that the charges are fraudulent, Amex denied my dispute and claimed I must have provided my card details to the merchant, yet offered no evidence to support that conclusion. Amexs decision leaves me responsible for the full {$7100.00}. I respectfully request that the Bureau require Amex to credit both transactions in full, remove any related fees or interest, and comply with its obligations under the FCBA. Please advise if further information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
CFPB Complaint Summary - Dispute of Inaccurate Accounts and Identity Compromise Summary : I am requesting an immediate review and assistance from the Consumer Financial Protection Bureau regarding multiple inaccurate and unverifiable accounts currently appearing on my credit reports with Equifax, Experian, and TransUnion. 
These accounts are causing significant harm to my credit score and financial well-being. Despite initiating disputes with the credit bureaus, the items have not been removed. Given the widespread nature of data breaches ( XXXX Equifax, XXXXXXXX XXXX XXXX and the presence of irregular reporting, I also believe these items may be connected to identity compromise. 

Accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues Identified : - Inaccurate late payments and charge-offs - No documentation provided despite my dispute request - Reporting errors on accounts paid in full or closed - Potential fraudulent or unauthorized data reporting Requested Relief : - Immediate deletion of the disputed accounts due to lack of verification - Full reinvestigation of all negative entries related to the above creditors - Confirmation that the bureaus have followed all requirements under : - FCRA 1681e ( b ) - Accuracy of information - FCRA 1681i - Timely reinvestigation - FCRA 1681c-2 - Blocking of information resulting from identity theft Attached : - Formal dispute letter submitted to the credit bureaus - Deletion request citing data breach and identity theft protections- Supporting payment and credit report history I respectfully request the CFPB to ensure compliance and expedite correction or removal of these entries to restore my credit profile as soon as possible. 


Sincerely, 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CFPB Complaint Summary - Dispute of Inaccurate Accounts and Identity Compromise Summary : I am requesting an immediate review and assistance from the Consumer Financial Protection Bureau regarding multiple inaccurate and unverifiable accounts currently appearing on my credit reports with Equifax, Experian, and TransUnion. 
These accounts are causing significant harm to my credit score and financial well-being. Despite initiating disputes with the credit bureaus, the items have not been removed. Given the widespread nature of data breaches ( XXXX Equifax, XXXXXXXX XXXX XXXX and the presence of irregular reporting, I also believe these items may be connected to identity compromise. 

Accounts in question include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issues Identified : - Inaccurate late payments and charge-offs - No documentation provided despite my dispute request - Reporting errors on accounts paid in full or closed - Potential fraudulent or unauthorized data reporting Requested Relief : - Immediate deletion of the disputed accounts due to lack of verification - Full reinvestigation of all negative entries related to the above creditors - Confirmation that the bureaus have followed all requirements under : - FCRA 1681e ( b ) - Accuracy of information - FCRA 1681i - Timely reinvestigation - FCRA 1681c-2 - Blocking of information resulting from identity theft Attached : - Formal dispute letter submitted to the credit bureaus - Deletion request citing data breach and identity theft protections- Supporting payment and credit report history I respectfully request the CFPB to ensure compliance and expedite correction or removal of these entries to restore my credit profile as soon as possible. 


Sincerely, 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 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I sent XXXX to my mom for our electric bill cashapp allowed it to go through then refunded it and locked my cashapp I spoke with them stating it was me who made the transaction still was told to wait 24/48 hrs for if to be unlocked after 48 hours I was told that might it would be unlocked after that same ol story my electricity will be off because of this matter my mom also had money on my card to get bk and fourth to her new job and because of this she couldnt attend her first day

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One Savor card opened without my knowledge or consent. Connected to my ssn and email, but different phone number, address, and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
From XXXX XXXX XXXX to XX/XX/XXXX {$11000.00}. Not my debt. Try to take it out of my credit but they didn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is refusing to give me my money back, and at that they have closed my account for no reason! and im not the only one who this has happened to!! capital one should be sue, if they refuse to give me my {$790.00} i will get lawyers to get involved, i have bills to pay and theyre taking to long, i have spoken with the company plenty of times and they said yes the bank is authorized to give me my money back because i didnt go on the trip i was hospitalized!!! This isnt fair, i demand all my money checked since they are closing my account! As you can see my trip to a different country was never there and those are my past XXXX  trips

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CT

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these as accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian

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 2025-06-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My ex applied for XXXX card he obtained furniture had a contract with furniture company which I don't never signed contract and guess he didn't pay so now it was placed on my credit report even though I don't have the contract even contacted XXXX was told they could not pull me up to send records of me purchasing anything yet it's XXXX in collection on my credit report like this has made my report be in negative collections are big deal if I want to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I applied for an Avant credit card through XXXX XXXX, which XXXX XXXX guaranteed I would be approved for the Avant credit card. My application was denied by Avant for the Avant credit card, even though, I meet and qualify for credit based on my credit profile and Avants standards for credit. Avant is in violation of the Equal Credit Opportunity Act ( ECOA ) 15, U.S.C. 1691 under federal law for refusing to grant me credit, even though, I meet and qualify for credit based on Avants standards for credit. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Self Financial Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Goodwill Adjustment Dear Credit Bureau, I hope this letter finds you well. I am writing to request a goodwill adjustment regarding my account with [ Creditor 's Name ], which has been closed and shows no negative remarks on my credit report. 

Account Number : XXXX Date Opened : XX/XX/year> Date Closed : XX/XX/year> I have consistently made all payments on time and have strived to maintain a positive credit history. Given that this account is now closed and has no negative marks, I kindly request that you consider removing it from my credit report. 

I appreciate your attention to this matter and your continued support in helping me maintain a healthy credit profile. Thank you for considering my request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest is reporting incorrect information on my credit report according to my transunion report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting incorrect information on my credit report according to my transunion report

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
This letter serves as a formal demand for the immediate deletion of a falsely reported charged-off account that is currently listed on my credit report. You are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of any item of information.

15 U.S.C. 1681g, which entitles me to a full file disclosure, including the sources and supporting documentation of any reported account.

The account in question has been marked as charged off, yet you ( or the original creditor/debt collector ) have failed to provide a 1099-C cancellation of debt form, which is legally required for tax purposes if the debt was truly forgiven or discharged. I specifically requested this form, and you confirmed that you do not have itwhich is clear evidence that this debt has not been charged off, or the charge-off is not properly documented. 

Therefore, you are reporting inaccurate and unverifiable information, which is a direct violation of the FCRA. This is not only misleading, but it is materially harming my credit profile, my ability to consolidate my debts, and my overall financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
Reporting late payments I never missed I am filing this complaint because XXXX XXXX XXXX XXXX XXXX is incorrectly reporting late payments on my mortgage ( loan XXXX XXXXXXXX ) between XX/XX/XXXX and XX/XX/XXXX, damaging my credit. 
On XX/XX/XXXX, I formally notified the bank via email ( to XXXX ) that my mortgage account was under review by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) regarding a property tax exemption case. I provided documentation supporting the exemption request and clearly requested resolution of the matter. 
Despite this notification and pending investigation, the bank reported my account as late during that period. I have never missed a payment, and the negative reporting is inaccurate and unfair. 
Furthermore, the payment that bank did under an amnesty must be voluntary by the tax payer owner or an authorized representative. If a payment is made under an amnesty, it is not allowed any payment invoice revision. It is known that the payment was not authorized and voluntarily neither. This is the main controversy here with XXXX XXXX XXXX XXXX XXXX. In addition, bank paid on XX/XX/XXXX while a claim was open in the XXXX XXXX XXXX at XXXX. The bank organized the payment on XX/XX/XXXX with me after bank paid on XX/XX/XXXX without knowing it. 
The previous paragraph is according to XXXX XXXX XXXX XXXX XXXX Terms and Conditions, subsections XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
Reporting late payments I never missed I am filing this complaint because XXXX XXXX XXXX XXXX XXXX is incorrectly reporting late payments on my mortgage ( loan XXXX XXXXXXXX ) between XX/XX/XXXX and XX/XX/XXXX, damaging my credit. 
On XX/XX/XXXX, I formally notified the bank via email ( to XXXX ) that my mortgage account was under review by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) regarding a property tax exemption case. I provided documentation supporting the exemption request and clearly requested resolution of the matter. 
Despite this notification and pending investigation, the bank reported my account as late during that period. I have never missed a payment, and the negative reporting is inaccurate and unfair. 
Furthermore, the payment that bank did under an amnesty must be voluntary by the tax payer owner or an authorized representative. If a payment is made under an amnesty, it is not allowed any payment invoice revision. It is known that the payment was not authorized and voluntarily neither. This is the main controversy here with XXXX XXXX XXXX XXXX XXXX. In addition, bank paid on XX/XX/XXXX while a claim was open in the XXXX XXXX XXXX at XXXX. The bank organized the payment on XX/XX/XXXX with me after bank paid on XX/XX/XXXX without knowing it. 
The previous paragraph is according to XXXX XXXX XXXX XXXX XXXX Terms and Conditions, subsections 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