vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I am a long-time American Express XXXX XXXX and I am extremely frustrated with the ongoing issues I've experienced with my account, which have made it nearly impossible to use my card effectively. Despite my consistent spending of approximately {$15000.00} per month on legitimate business and personal expenses, my credit limit remains stuck at a mere {$2600.00}. This low limit forces me to make payments multiple times a day just to free up available credit, turning what should be a convenient financial tool into a constant hassle. 
Every single day, I have to call American Express to verify payments or check my available balance because the online system and app do not update in real-time or provide clear information. This lack of transparency means I never truly know my available credit, leading to frequent card declines and blocks even when I should have sufficient funds after payments. For instance, just today ( XX/XX/year> ), I spent XXXX minutes on the phone with customer service simply trying to unblock my card after a routine paymenttime that I could have used productively elsewhere. These calls are not isolated incidents ; they happen daily, often involving long hold times, repetitive verifications, and unhelpful resolutions that don't address the root problems. 
I've attempted to resolve these issues directly with American Express multiple times, including requests for a credit limit increase based on my high spending and payment history, but my concerns have been dismissed or inadequately handled. The low limit and constant need for manual interventions make the card unusable for my needs, defeating the purpose of having it. This poor service has caused me significant stress, wasted time, and potential business losses due to interrupted transactions. 
For the desired resolution, I am seeking : An immediate increase in my credit limit to at least {$20000.00} to align with my monthly spending patterns and eliminate the need for daily payments. 
Improvements to the account management system, such as real-time balance updates and automated verifications, to prevent future blocks and calls. 
Compensation for the time and inconvenience, such as a statement credit or waiver of any fees incurred during these issues. 

I have supporting documentation, including call logs and transaction history, which I can provide upon request. I expect a prompt and fair resolution to restore my confidence in American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: Paypal Holdings, Inc
State: WV

Complaint narrative:
I was unexpectedly blocked from my account on XX/XX/XXXX. I reached out to figure the reason as I had been limited before due to issues with the PayPal app and not of my own fault, and so I tried to contact. They refused to provide any information on why the account was permanently limited. My funds are being held. My account is not usable. They said they don't have to provide a reason and that they determined one way or another that my account is high risk or that I violated terms, they will give no reason or what led to that conclusion. They gave me no insight and said my funds will be held 120 days. I have had an account for a long time and they banned me without any ability to know why and are holding funds they may or may not transfer to me in 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: OK

Complaint narrative:
I am submitting this dispute because there are unauthorized and inaccurate accounts appearing on my credit report. I did not open, authorize, or approve these accounts, and I was never notified about their addition. The information being reported is inconsistent across all three credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy of reported information.

This situation also breaches 15 U.S.C. 1681i, which states that any disputed information must be investigated and either corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which gives consumers the right to receive a complete and accurate disclosure of their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX -- -- Opened : 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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a lot of credit open over 7 years and I dont remember or can say I approved these credit checks. If there is over 7 years shouldnt they be dropped? I dont have the strength or ability since I am XXXX to dispute these bogus credit searches or open accounts. If they are over 7 years, shouldnt they be dropped and stop affecting my credit score? Again, I can not dispute the fraud against me because I am XXXX to. Please remove from my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
In XXXX of XXXX My ex-husband and I signed a successor in interest assumption form from Carrington mortgage and drawn up by their company because we were divorced and according to the divorce decree, I had to formally take over the mortgage. The property is in my name solely on the deed found in the XXXX XXXX register of deeds office. Once we returned the copies signed to Carrington Mortgage, I was told over the phone by their company that it would be taken care of within several months ' time. When I heard nothing afterwards, I contacted them several months later. They then told me that there was no successor in interest assumption paperwork on file even though they had confirmed in XXXX of XXXX that they did have it in their possession. I sent it to them many times. Each time they said they received it and would take care of it. Every time I contacted them afterwards, they told me that my loan was not able to have a successor in interest assumption. Because I am low income and disabled, I could not afford an attorney but then finally in XXXX, was told to contact legal aid by a friend of the family because my ex-husband was threatening me with lawsuit so I would get the mortgage in my name even though we had already taken care of this but Carrington refuses to acknowledge this to this very day. Legal aid tried to work with me and referred me to several lawyers but none of them would help without a significant fee. My ex-husband has now remarried and is requesting again for me to get this situation take care of. All I ask is that Carrington accept the fact that I am the legal successor in interest and the assumption was legal and notarized as so. I require documentation from Carrington Mortgage that acknowledges me as the sole successor in interest of this mortgage in a timely matter and to have my ex-husband 's name withdrawn from all bills or paperwork furthermore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-27 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY - XXXX  XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MA

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been severely affecting my life and credit score, preventing me from achieving financial freedom and stability. Its been an ongoing source of stress, and I need this issue addressed properly once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( GLBA ). Upon review of my credit file dated XX/XX/2025, I discovered several accounts that are inaccurate, incomplete, and unlawfully reported. 
Please investigate and remove the following negative accounts that are reported in violation of FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), as well as Metro-2 Format Compliance : XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Reported as open and in collection with inconsistent status and payment history across bureaus. 
Violates 607 ( b ) for failure to maintain maximum possible accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing incomplete information. 
XXXX. XXXX XXXX XXXX balance and payment history. No permissible purpose under 604 ; fails to validate debt under 609 ( a ) ( 1 ). Data reporting after charge-off constitutes a willful violation under 623 ( a ) ( 2 ). 
XXXX. XXXX XXXX XXXX XXXX XXXX Auto Loan ) Late payments ( XXXX, XXXX, XXXX  days ) are inconsistent across bureaus. Reporting both as agreed and negative simultaneously violates 607 ( b ) and Metro-2 guidelines for uniform reporting. 
XXXX. XXXX XXXX XXXX Charged-off account with paid as agreed remarks on other bureaus. Fails to meet FCRA 607 ( b ) and Metro-2 compliance standards. 
XXXX. XXXX XXXX XXXX Conflicting account status ( closed and open ) and disputed history not properly noted. Violates 623 ( a ) ( 1 ) ( A ) for inaccurate reporting and 611 for failure to conduct a reasonable reinvestigation. 
XXXX. XXXX XXXX Account shows late payment after XXXX balance and closure, violating 607 ( b ) accuracy standards and 623 ( a ) ( 2 ) duty to correct. 
Additionally, there are inquiries not tied to any valid permissible purpose under FCRA 604 ( a ) ( 3 ). Please verify and delete any inquiries that lack written consumer authorization.

These reporting errors are serious violations of federal law and may indicate unauthorized third-party data exposure, constituting a data breach under GLBA 501 ( b ). I request full documentation of all entities who have accessed or furnished my information.

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 2025-10-27 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:
Please check the enclosed information ; the inquiries were made without prior communication and might not be approved.

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 2025-10-27 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the XXXX period required by law. This lack of response constitutes a clear and direct violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the reinsertion and continued inaccurate reporting of an XXXX XXXX XXXX  account on my Equifax credit file.

The account was previously deleted or blocked after a valid FTC Identity-Theft Report # XXXX was filed. Equifax later re-reported it without providing the required 5-day reinsertion notice under FCRA 611 ( a ) ( 5 ) ( B ).

The tradeline shows conflicting information and has been re-verified multiple times without any supporting documentation from XXXX XXXX XXXX. Despite certified-mail evidence, Equifax has not provided the verification records, contract, or 1099-C forms I requested.

These actions violate FCRA 607 ( b ), 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) and 623 ( a ) ( 3 ), as well as the consumer-protection obligations imposed on Equifax after its 2017 data-breach consent order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT 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

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-27 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: AL

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) against Experian, and XXXX XXXX XXXX for continuing to report and verify inaccurate, misclassified, and unverifiable information after a formal dispute and reinvestigation request. 

Facts : The account XXXX XXXX XXXX Acct # XXXX is being reported as a Charge Card with multiple XXXX day late payments through early XXXX, yet is also marked Paid, Closed ( XX/XX/year> ). This is factually impossible under Metro 2 and violates FCRA 1681e ( b ) ( duty of maximum possible accuracy ). 
XXXX own published terms prove that its product is a revolving, closed-loop credit-builder line, not a charge card under Regulation Z ( 12 C.F.R. 1026.2 ( a ) ( 15 ) ( ii ) ). Classifying it as a charge card materially misrepresents my credit mix and utilization. 
After I submitted a detailed dispute with evidence, all three bureaus returned the item verified without addressing any of the factual contradictions or misclassification. That is an unreasonable reinvestigation in violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 4 ). 
XXXX has never provided proof of any purchases, billing statements, or missed payments supporting the reported delinquencies. Continuing to furnish unverifiable data violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ).

Violations : Failure to ensure maximum possible accuracy FCRA 1681e ( b ) Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 1 ) ( A ), ( a ) ( 4 ) Furnishing and verifying unverifiable information FCRA 1681s-2 ( a ) ( 1 ) ( A ), ( b ) Misclassification of credit product Reg Z 12 C.F.R. 1026.2 ( a ) ( 15 ) ( ii )

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation