vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I previously held an American Express Gold Card but upgraded to the American Express XXXX XXXX card in XXXX. This upgrade occurred after I began serving on Title 10 active duty orders with the U.S. Army National Guard in XX/XX/XXXX. 

Following the upgrade, I submitted multiple requests for relief under both the Military Lending Act ( MLA ) and the Servicemembers Civil Relief Act ( SCRA ). American Express denied both protections, stating that the account was ineligible under the MLA and that SCRA did not apply because the account was opened while I was already on active duty. 

Between XX/XX/XXXX and XX/XX/XXXX, I submitted three separate MLA-related requests ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and my records confirm that all of these submissions were based on active Title XXXX service. In addition, I submitted two SCRA requests one on XX/XX/XXXX, and another on XX/XX/XXXX both of which were denied on the same basis. 

Under XXXX XXXX XXXX, credit issuers are required to determine MLA eligibility at the time of account opening or significant product changes ( such as upgrades ), using the Department of Defenses MLA database or a qualifying consumer report. I have asked American Express to provide evidence of this verification and a clear explanation for the repeated denial of MLA protections, but I have not received a substantive response.

Because the Sapphire Reserve card was obtained during active duty service, and because multiple MLA requests were filed with accurate service documentation, I believe I should qualify for MLA protections. If American Express failed to conduct proper verification at the time of upgrade, or denied protections without cause, this may constitute a violation of the Military Lending Act. I request that the CFPB investigate this matter, compel American Express to apply MLA protections retroactively, and refund any interest, fees, or penalties improperly charged

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sezzle Inc.
State: TX

Complaint narrative:
To : Sezzle Inc . 

RE : Formal Demand for Deletion Due to Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute and demand the immediate deletion of the Sezzle account ( Account XXXX : ending in XXXX ) from all three credit bureaus due to violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable Texas state laws. 

The reporting across XXXX XXXX XXXX XXXX contains multiple inconsistencies and violations : - XXXX  shows a charge-off with {$0.00} balance and high credit of {$660.00}. 
XXXX XXXX XXXXeports a high credit of {$0.00}, {$0.00} balance, but notes 'unpaid balance reported as a loss. ' - XXXX lists a {$0.00} balance, {$260.00} high credit, and classifies the account as 'Derogatory ' as of XX/XX/XXXX, despite being paid in full in XXXX. 

These inconsistencies violate FCRA Section 1681s-2 ( b ), which requires furnishers of information to investigate disputes and report accurate and consistent data. The conflicting data between the bureaus is materially misleading and is causing continued damage to my credit profile. Further, continued derogatory reporting of a {$0.00} balance, fully paid account constitutes unfair and deceptive reporting.

Additionally, if Sezzle has transferred or closed the account, it should not continue to report it as a charge-off, which could violate Texas Finance Code 392.304 ( a ) ( 8 ) ( misrepresenting the character or amount of a debt ), and the FDCPA 1692e ( false representation of the character, amount, or legal status of any debt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year>

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
these accounts were involved in XXXX XXXX BANK XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$310.00} XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX VILLAGE, XXXX None provided XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX FIRST XXXX BANK Account # XXXX Opened XXXX XXXX, XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$2800.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX, XXXX ( XXXX ) XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2800.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$4400.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX IN. 
Account # XXXX Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance {$7700.00} 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I reviewed my credit report and noticed several hard inquiries that I do not recall authorizing. Specifically, inquiries from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX were made without my direct consent or without a clear permissible purpose.

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 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 TransUnion XXXX XXXX  XX/XX/XXXX ( presumably for monitoring or update ) 32. Experian XX/XX/XXXX ( presumably for monitoring or update ) These inquiries may have been submitted in error or without proper authorization, which would be a violation of the Fair Credit Reporting Act ( FCRA ). I did not initiate applications with these creditors around the dates shown, and I am concerned about the potential misuse of my information.

I am requesting that these inquiries be investigated, and if proper authorization can not be verified, they should be permanently removed from my credit file.

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 2025-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my credit report and noticed several hard inquiries that I do not recall authorizing. Specifically, inquiries from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX were made without my direct consent or without a clear permissible purpose.

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 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 TransUnion XXXX XXXX  XX/XX/XXXX ( presumably for monitoring or update ) 32. Experian XX/XX/XXXX ( presumably for monitoring or update ) These inquiries may have been submitted in error or without proper authorization, which would be a violation of the Fair Credit Reporting Act ( FCRA ). I did not initiate applications with these creditors around the dates shown, and I am concerned about the potential misuse of my information.

I am requesting that these inquiries be investigated, and if proper authorization can not be verified, they should be permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Chargeoff * * Law Issue : FCRA 609 ( a ) ( 1 ) ( A ) grants me the right to full documentation of this account Story : I have no documents or agreements related to this account. I believe this account may be outdated, fraudulent, or incorrectly linked to me XXXX XX/XX/XXXX Inquiry Law Issue : This entity violated FCRA 604 by accessing my credit report without permission Story : I do not recognize this company. No account or inquiry was initiated, and this appears fraudulent or in error I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX LL XX/XX/year> Balance : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request or " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to th bove-named Title and Section. I respectfully request your offices provide me with compete evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for the suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receip references to the account must be deleted and completely removed from my credit file and a copy such deletion request shall be sent to me immediately.

CEASE AND DESIST I would also like to request, in writing, that no further telephone contact be made by your offices. If your offices continue to attempt telephone communication with me, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am force to take legal action.

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 2025-07-21 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: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unlawful information being reported by CONTRACT CALLERS INC to the credit reporting agencies. I previously submitted a request for an investigation regarding the account you have reported. However, my most recent credit report still reflects incorrect and inconsistent informationincluding the date opened, date of last activity, payment history, account balance, and account statusdespite your claim that the information has been verified.

These ongoing inaccuracies raise serious concerns about the reliability of the information you're furnishing and the adequacy of your investigation process. As a data furnisher, you are legally obligated under federal law to report only information that is accurate, complete, and verifiable.

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2, furnishers such as CONTRACT CALLERS INC are required to conduct a reasonable investigation of disputed information and correct or delete any data that is found to be inaccurate or can not be verified. Additionally, I invoke my right to privacy and accuracy under 15 U.S.C. 1681 602 ( a ). Further, under 15 U.S.C. 1681b 604 ( a ) ( 2 ), no account information may be furnished to a consumer reporting agency without my explicit written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00}

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I RECEIVED 2 PHONE CALLS FROM A LADY CALLED XXXX ON BEHALF OF AMEX AND SHE MADE A PROPOSAL TO ME TO EXCHANGE THE POINTS FOR STORE CREDIT CARD, WHICH I ACCEPTED. 
I ASKED SOME TIME TO CHOOSE ONE CARD ON THE LIST SHE SENT ME, and SHE SAID THAT SHE WAS GOING TO GO AHEAD AND REINSTATE THE POINTS THAT HAD BEEN CANCELLED, AND WAIT FOR MY DECISION. 
I DECIDED FOR THE XXXX GIFT CARDS, BUT THEN SHE SAID SHE HAD TO WAIT FOR SOMEONES DECISION AND I HAD TO WAIT FOR THIS DECISION TO BE ABLE TO MAKE MY DECISION. 
As It was made on a conversation on the phone I felt insecure, and sent her a email asking to have further communications on writing, by email!

And Im still waiting for a afirmative answer as to the reinstatement of my points!

Sorry I cant consider my complaint closed Many thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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