vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding discriminatory and predatory practices by American Express in connection with an abrupt periodic account review on my credit card account. 

Due to a personal and urgent life update, I was required to relocate my business and renovate a home office space within XXXX weeks. I used my American Express card to fund these legitimate and necessary expenses. 

Before I even received a billing statement and before I had a fair chance to begin repayment American Express : Demanded an immediate payment of {$2600.00} Threatened to reduce my available credit Initiated a periodic review based on alleged concerns over my ability to repay Took these actions without any missed payments or delinquencies Made assumptions based on recent activity, rather than facts or direct communication To make these demands and threats before a billing cycle even closes is not just irresponsible its predatory and discriminatory. The implication that I can not afford repayment, despite a perfect payment history and the financial means to repay, is a dangerously flawed assumption. American Express relied on a biased internal review process or algorithm that punishes legitimate, explainable spending patterns during a time of urgency with no human judgment or fairness involved. 

When I raised these concerns, American Express reaffirmed their decision without providing a clear path to resolution, further confirming the systemic disregard for responsible consumer treatment. 

I am requesting : XXXX. A full investigation into the review process used by American Express and how it impacts consumers experiencing life transitions or irregular but valid expenses. 
XXXX. Immediate reversal of all negative actions or flags applied to my account. 
XXXX. Confirmation that this incident will not impact my credit report or standing. 
XXXX. A written explanation of the justification for these actions, including internal notes and the specific triggers for the review. 

I believe American Expresss behavior constitutes unfair, discriminatory lending practices and I urge the CFPB to hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I am writin to request the removal of certain inforation from my file. The items I wuld like to see removd are outlined in the atached report. As I am a victim of identity theft, I did not approve the charge in question. Please remove these items, therefore, to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission, and I hav included copies of their Identity Theft Affidavit for your information. Please go ahead with the removal of these items at your earlist convnience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I had a wreck in a car I had financed with XXXX XXXX insured through XXXX and gap insurance with XXXX XXXX. I got the car in 2018 XXXX paid their portion as well as XXXX and they still wont remove it.

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 2025-06-21 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: NJ

Complaint narrative:
I am filing this complaint to report TransUnions violation of the Fair Credit Reporting Act ( FCRA ), specifically their failure to complete the reinvestigation of a disputed item within the required XXXX period. I submitted a formal dispute to TransUnion on XX/XX/year>, regarding inaccurate and unverifiable information on my credit report. As of XX/XX/year>, the dispute remains unresolved, with no formal reinvestigation results provided and no extension justified by a request for additional documentation. 
This is a direct violation of XXXX XXXX. XXXX, which mandates that consumer reporting agencies complete reinvestigations within XXXX  days unless proper grounds for extension exist which they do not in this case. 
Because TransUnion has failed to verify the accuracy of the information within the legally allowed timeframe, and because the account in question contains inaccurate and damaging details, I am requesting that the entire account be permanently deleted from my credit report in accordance with FCRA provisions. 
This dispute delay is not only unlawful but is also interfering with my ability to access fair credit opportunities. I urge the Consumer Financial Protection Bureau to hold TransUnion accountable and to ensure : XXXXPermanent deletion of the inaccurate and unverified account. 
XXXXA written explanation for the delay and failure to comply with the XXXX rule. 
XXXXAny appropriate penalties for TransUnion 's failure to meet its obligations under federal law. 
Please let me know if any additional documentation is needed. I have attached the dispute number and screenshot to this listing. 
XXXX XXXX XXXX Phone : XXXX Email : 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 2025-06-21 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year> I bought a cashier 's check for XXXX I signed the tellers box an left on XX/XX/year> I get a call stating my funds were never wirhdrawn due to some error on there part I was upset I balanced my books an there were correct with the withdrawal amount I have seeked legal advise asked questions almost never will a cashier check be sold with out with drawing the funds first when I signed the tellers electronic box that means funds were withdrawn an I don't understand how the tellers till balanced if the funds were not withdrawn there is a cashier 's checks reference number so that means it's in the system I feel I'm being taking for a dummy this incident has caused me stress anxiety bad I have looked on my bank statement yes the amount is not on there but neither is another amount that I have a receipt for it's not on bank statement a teller or bank personal can alter statements I feel something isn't right my acct is of returning items because they are taking all the money coming to cover their stupid error not mine errors like this don't go unnoticed for 2 months please help I don't believe them I no I paid XXXX XXXX I signed also the bank will not issue a cashier check until the funds are secured how r they gon na sell me a cc and not no if I have funds so ridiculous please help me

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
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. As I have spoken to the Bankruptcy court and they even explained they dont publicize this kind of information. So you are searching other databases without my consent to get this unauthorized or false information. Just so you know my information was in a Experian & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. Please remove this bankruptcy as Equifax already removed it

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been in contact with equifax since the first week of XXXX. My account was locked I mailed in all of the required documents twice! and Im still unable to access my online account. I call daily and they hang up in my face. They leave me on hold. And disconnect the call. Here we are in XXXX and I still have not gotten any results. I verify myself every XXXX minutes and still can not get any assistance. The staff is rude and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CL Holdings LLC
State: OH

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS XX/XX/year> {$14000.00} Please cease and desist all communication with me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-21 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: MD

Complaint narrative:
I purchased A sofa Set and a dresser at XXXX XXXX last year on XXXX. The total cost after taxes was {$2600.00}. I made A 12 month lease agreement with koalafi but the person who helped with the lease never told me that if I dont pay the full amount on XXXX XXXX which is 90 days from the purchase I was going to be charged XXXX more than the Actual price. I was just one payment away to pay the full amount of XXXX and when I called the koalafi they told me that because I didnt pay everything on XX/XX/year> .Now I have to pay a total of {$6400.00}? This is insane!!! Even if I want to return the furniture they are not willing to give a refund.A have never been robbed like this, this is insane!!! And I know this company have been doing this with a lot of people leaving them depressed and anxious like me. I contacted my lawyer and its against the law to scam people like this so I want them to resolve this issue easily before we take any step further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX to lease a vehicle. I had already been pre-approved through XXXX XXXX, and I was fully transparent about my current financial situation including that I am on long-term XXXX and only intended to finalize the lease through the pre-approval with XXXX XXXX XXXX 



Despite this, the dealership ran my credit with multiple third-party lenders without my knowledge or consent, resulting in numerous hard inquiries on my Experian credit report. I never gave written authorization for these additional pulls, and I clearly stated that my intention was to work solely through XXXX XXXX based on my pre-approval. 

Their actions were deceptive, non-transparent, and a violation of federal consumer protection laws. 

This complaint is due to multiple unauthorized hard inquiries that appeared on my Experian credit report, conducted by XXXX XXXX XXXX and other lenders without my explicit consent. I was pre-approved by XXXX XXXX, had agreed only to proceed with their in-house financing, and I made it explicitly clear that I did not want my credit shared or shopped around. Despite this, multiple inquiries were made by third-party lenders.

These actions violated : FCRA Section 604 ( a ) No permissible purpose or proper consumer authorization was given for multiple pulls.

15 U.S.C. 1681b ( c ) ( 1 ) ( A ) A consumer report may only be pulled with the consumers explicit written authorization.

15 U.S.C. 1681q It is illegal to obtain a credit report under false pretenses or misrepresentation.

Regulation Z ( 12 CFR Part 1026 ) There was deceptive conduct in how terms were represented and processed.

ECOA ( 12 CFR Part 1002 ) I was transparent about being on disability, and believe this status was improperly considered in denying me fair access to my pre-approved lease.

To make matters worse, when I contacted Experian twice on XX/XX/year> to dispute these unauthorized hard inquiries, the representative I spoke with refused to initiate the dispute, claiming I had to take it up directly with the dealership or contact each of the other lenders that appeared on my report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA, Section 611 ), which guarantees me the right to dispute inaccurate or unauthorized information and to have the CRA investigate it. 



Experians refusal to open a dispute is unacceptable and demonstrates willful noncompliance with federal law. As a consumer, I should not be forced to chase down every lender or be left without recourse when a CRA refuses to act.

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 2025-06-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
My identity was stolen and I have no history of conducted business with Jefferson Capital Systems LLC ( {$1300.00} ) This account has damaged my credit report and I have never had dealings with this company or it's affiliates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
What happened : In XXXX, I was approved for a medical deferment on my federal student loans due to ongoing XXXX XXXX  and XXXX. According to Aidvantage 's own paperwork, this deferment should last until 6 months after XXXX ends. The deferment expired without proper notification from Aidvantage, and I was unaware it had lapsed while focused on my medical treatment. 

Aidvantage only communicated through their online portal and email, which went to my spam folder. I never received notice via phone or mail that my payments were restarting, despite the severity of the situation and my medical circumstances. 

On Tuesday, XX/XX/XXXX, I discovered Aidvantage had reported my account as 90 days delinquent to all three credit bureaus, causing my credit score to drop from XXXX to XXXX - a decrease of XXXX points. This discovery came just three days before my mortgage commitment date of Friday, XX/XX/XXXX. Prior to this incident, I had maintained three years of 100 % on-time payments with all my credit accounts.

Actions taken : - I contacted Aidvantage multiple times to dispute the delinquency, explaining the medical circumstances. During these calls, an Aidvantage agent told me this was " all my own fault ''.

- Aidvantage denied my requests and directed me to submit a written dispute by mail. I have mailed my dispute to Aidvantage, but am unable to get someone to mark my dispute as urgent or get any help over the phone.

- I provided medical documentation confirming my ongoing treatment - I filed disputes directly with the credit bureaus. To date, XXXX  has accepted my dispute and agreed to remove the delinquency.

The problem : Aidvantage failed to provide adequate notification of deferment expiration through appropriate channels ( phone/mail ) and refuses to correct the erroneous credit reporting despite having documentation of my approved medical deferment. Their own documentation indicates the deferment should remain active, yet they reported me as delinquent. The timing of this discovery - just three days before my mortgage commitment- has jeopardized my home closing scheduled for XX/XX/XXXX. 

What I want : I need Aidvantage to immediately contact all three credit bureaus to request removal of the incorrect delinquency report and provide me with documentation of this action for my mortgage lender. The company should also implement better notification procedures for deferment expirations, particularly for borrowers with medical hardships, and provide proper customer service training regarding medical deferment policies. 

This servicer error during a medical crisis has caused severe financial harm and threatens my housing stability despite my perfect payment history.

Company response to consumer: Closed with explanation