vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Recently, I found myself in a predicament where I learned XXXX XXXX  determines whether to support overdraft protections or not for my checking and savings accounts. Due to this, I learned that my Amex bill auto-pay failed. As soon as I learned it failed on XX/XX/XXXX, I went right into XXXX  account - moved funds and went to my AMEX account and manually paid the bill. 

I then learned a few days later that AMEX auto-debited my XXXX  account AGAIN even though I had completed the manual payment several days prior. 

This process threw my XXXX  accounts into negative balances ( ~ $ XXXX payments ) and affected my ability to pay both the AMEX and my XXXX credit card bills. 

Amex never communicated that they would auto-debit even though a manual payment had satisfied the open statement balance, and I found myself in limbo between XXXX, AMEX and now XXXX as I was trying to move funds and await returned payments to my XXXX  to cover payments. I was ultimately assessed interest throughout this process and had no way of fixing the issue quicker as the ACH and wire process can take days between transactions to post! 

Finally, AMEX never communicated that I could resolve these types of issues in the past by shifting my payment date to earlier in the case of any XXXX  coming from my bank. Furthermore - I have submitted a complaint about XXXX XXXX because of their inconsistent grace period and overdraft support model that leaves me as a consumer completely UNPROTECTED and paying hundreds of interest over the past several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid for a service through CASH APP, I never received the service I paid for. So when i attempted to file a dispute through CASH APP they denied me stating that my device was used to initiate the transactionwhich didnt make sense because I was not stating anything about my device being compromised.I then submitted a scam dispute and the still denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be included. I am requesting verification of these entries, and if they can not be confirmed, they must be corrected or removed.

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 2025-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
I have received a prepaid amex virtual gift card for {$100.00}. I can not spend it anywhere. I've tried using it in person at two stores and I've tried several online stores. I have had the same experience with previous amex virtual gift cards and the company is NEVER of any help. 

They only tell me to keep trying the card numbers in store or at various online retailers until I find someone who will take it. 
This solution is ridiculous as it means I can not use the money as money where I need or want to spend it. 

The other issue is that retailers often put a small hold on the amount which means I don't have the full funds available to use, even if they did take the card. 
This process makes it very difficult to actually use the amount the money that is mine. 

Historically the only way I have been able to actually use the funds is to file a CFPB complaint and get a check to replace the virtual gift card. I am going that route directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I opened a Citi Bank Visa card through XXXX in XX/XX/year>. I made purchases with this card, and when I went to make my first payment ( {$580.00} ) I accidentally sent the payment to the wrong address ( customer services vs. payment center ). The payment went through, the money was taken out of my account, the check was cashed, however the payment was not applied to my account. Realizing my error- I called to let them know that the payment was made, the payment was applied somewhere within the CitiBank system, however it was not applied to my account. 

I received a letter asking me to send in printed copies of the cashed check, my bank statements showing that the money was taken out- which I did. I later received another letter that they didn't hear from me- and that this disput was closed. 

I called back letting them know I had done what they asked, and they asked me to fax them the same documentation PLUS a copy of my credit card. I didn't feel this was a safe or secure method of communication- but I did so anyway in early XXXX. I didn't hear anything back so I called again- and they said they never received my fax. 

So - now they said, EMAIL the information- which I did! I have not heard anything from CitiBank so I am getting ready to call them again but no one there seems to want to help track down my money. 

So - my money is somewhere within the CitiBank system- it is most definitely out of my bank account and they do not seem interested in helping 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 2025-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this dispute regarding an invalid medical debt that has been reported and/or pursued for collection. The alleged account relates to XXXX, which ceased operations almost immediately after I signed on. I was never seen by any medical professional, never began treatment, and never received retainers or replacements as promised under the contract. 

While the XXXX tracking shows delivered, I was never in possession of the package. It was shipped to my parents address in XXXX, NY while I was attending school in XXXX. The package was likely stolen or removed from the residence. Shortly thereafter, XXXX ceased operations, leaving me with no recourse to obtain a replacement, initiate treatment, or utilize the XXXX return option. 

Despite this, a collection account has been placed against me for services and products that were never provided. While a copy of the XXXX contract was sent to me, that contract was never fulfilled by the company. No XXXX XXXX were rendered, no retainers were received, and no treatment plan was carried out. 

As this is an invalid medical debt, I dispute its accuracy and validity. I request that the CFPB investigate this matter, require the furnisher/collector to provide documented validation of services actually rendered, and direct the removal of this debt from all reporting if validation can not be provided. I further request that all collection activity cease while this dispute is pending

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
The bank SoFi offers a {$10.00} bonus for referrals to their credit score monitoring. They are supposed to give XXXX points ( {$10.00} ) for every referral. I have XXXX people I referred on XX/XX/XXXX and XXXX. I had conversations with several customer service representatives and got a different answer each time. I showed them proof I had not received any points for those referrals and the ended the conversation. I still have not received the points.They send tax statements with the amount of money youve supposedly earned from their referrals and they refused to correct my info and either give me the amount they claimed to have given me or correct the amount to what I have actually earned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 recently discovered an unauthorized hard inquiry on my credit report. I did not apply for credit or give permission for this inquiry. 

Details of the fraudulent activity : Creditor / Company : XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of Inquiry : XX/XX/year> Credit Bureau ( s ) Reporting : Equifax I did not authorize this inquiry, nor did I initiate any credit application with this creditor. This is fraudulent and a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I asked Chime to review some aunauthorized transactions to my account. They opened a dispute for all of the transactions but swiftly denied the disputes. 

I have asked them multiple times to provide the documentation they used to make a determination and they have failed to provide it. I have also been in contact with the merchant that made the transactions, they confirmed that CHIME did not initiate an investigation with them. This violates REG E. I would like a proper investigation be conducted and an immediate provisional credit added to my account since its been well beyond the allotted XXXX days stated by REG E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TN

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit 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 non-monetary relief
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have several student loans that are not mine and I keep disputing them and they keep saying accurate. Ive only been to one college in my whole entire life. & this is stopping me from doing all the things I need to do. I am asking for you guys to take it off and find the correct people that did this

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 2025-09-19 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: CA

Complaint narrative:
I have several student loans that are not mine and I keep disputing them and they keep saying accurate. Ive only been to one college in my whole entire life. & this is stopping me from doing all the things I need to do. I am asking for you guys to take it off and find the correct people that did this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I believe the late payment entries on my credit report are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for furnishing my consumer reports to entities that did not have a permissible purpose or legitimate business reason to access them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

On multiple dates between XXXX and XXXX, my consumer reports were furnished to companies without my authorization or a permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Examples include inquiries and reports furnished to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. These companies did not have a certified permissible purpose under FCRA 604 ( f ), and the consumer reporting agencies failed to ensure compliance before releasing my information. 

This unlawful furnishing of my reports has violated my right to privacy and exposed my personal information without justification. I requested certification of the permissible purpose or business reason for these inquiries, but none has been provided. The CFPB itself has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) reminding agencies that permissible purposes are consumer-specific and that disclaimers do not cure a violation.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for furnishing my consumer reports to entities that did not have a permissible purpose or legitimate business reason to access them. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

On multiple dates between XXXX and XXXX, my consumer reports were furnished to companies without my authorization or a permissible purpose as defined under FCRA 604 ( a ) ( 3 ). Examples include inquiries and reports furnished to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and others. These companies did not have a certified permissible purpose under FCRA 604 ( f ), and the consumer reporting agencies failed to ensure compliance before releasing my information. 

This unlawful furnishing of my reports has violated my right to privacy and exposed my personal information without justification. I requested certification of the permissible purpose or business reason for these inquiries, but none has been provided. The CFPB itself has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) reminding agencies that permissible purposes are consumer-specific and that disclaimers do not cure a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-19 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: NJ

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. 

CREDENCE RESOURCE XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$23000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$330.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$78.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$490.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$670.00} XXXX  # XXXX XX/XX/XXXX -- {$1200.00} XXXX  # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} INQUIRIES : XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
The vehicle was total the insurance company paid most of the loan. They also got the extended warranty money and gap. And they are stating I have a balance of {$1800.00} I ask why when gap why they didnt pay the remaining balance and the stated the balance should be {$0.00}. But not XXXX XXXX XXXX. And no one knows why according to them. And they ruin my credit.

Company response to consumer: Closed with non-monetary relief