vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Harassment, mishandled dispute, and retaliatory collection actions American Express has mishandled a billing dispute regarding a veterinary charge that was paid upfront and is not owed. Instead of properly investigating, they misclassified my dispute as a tort claim and repeatedly recycled denial letters. 

While the dispute remained active with regulators ( NY Attorney General and NY Department of Financial Services ), Amex reduced my credit limit, later restored it after I filed with CFPB on XX/XX/XXXX, and then suddenly closed my account, retroactively reporting it as closed since early XXXX, even though I did not receive the closure notice until later. And it wasnt reported as closed until XXXX.. It was all done behind the behind the curtains. 

American Express also deleted a previously reported late payment and most recently reported me as 90 days late on XX/XX/XXXX, raising serious concerns about inconsistent reporting and retaliation. Their responses cite only vague policies and procedures, without citing factual or regulatory justification, and they falsely claim no knowledge of my ongoing AG complaint in recent communications. 

While this dispute remains unresolved, American Express has now engaged XXXX XXXX XXXX XXXX to contact me for collection. XXXX is not a new debt purchaser but is acting as Amexs agent. They are calling and leaving messages regarding a disputed balance that has never been properly validated, without sending the debt validation letter required under the Fair Debt Collection Practices Act. 

This harassment is causing me serious stress and aggravating existing medical conditions, including ongoing evaluatiXXXX XXXX XXXX XXXX XXXX concerns. I am currently too ill to handle multiple creditor calls, yet Amex and its agents are proceeding as though I am liable for a fraudulent or mishandled charge. 

Amex is improperly using XXXX to pursue collection rather than fulfilling their obligation to investigate the dispute fully. This behavior is unlawful and retaliatory, and it is directly damaging my credit and my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding the reporting of late mortgage payments by my servicer.

Under the Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z, creditors and servicers are required to provide borrowers with statements at least 21 days before a payment due date before any late fees or derogatory reporting occur. See : 15 U.S.C. 163 ( a ) 12 C.F.R. 1026.5 ( b ) ( 2 ) ( ii ) I was not provided my billing statements in a timely manner before the alleged late payments were reported. Because of this failure, any negative reporting tied to those billing cycles is inaccurate and in violation of federal law.

Additionally, under the Fair Credit Reporting Act, furnishers must report only accurate and complete information : 15 U.S.C. 1681s-2 ( a ) I am disputing the late payment entries as inaccurate and improperly reported. I am requesting that the CFPB investigate the servicers failure to meet the 21-day advance notice requirement and their inaccurate furnishing of late payments to the credit bureaus.

I also request that the servicer provide verifiable documentation showing : 1. When billing statements were sent, and 2. That I received them at least 21 days before the payment due date.

In the absence of such proof, the late payments should be removed from my credit reports as unlawful and inaccurately furnished.

If you need a shorter version or want to add your account info or dates, just tell me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year> ordered merchandise on XXXX which was not received and on XX/XX/year> got refunded. On XX/XX/year> got charged again and as of XX/XX/year> never received my order. The charges are {$64.00} and {$27.00}. They were disputed and my credit card ( citi ) says on the app that it was already refunded. Somehow it is being omitted that there were XXXX charges and only XXXX refund. The merchant was contacted numerous times with not satisfactory result. When citi credit card was contacted I was informed that it is over XXXX months and they can't help me. It would be nice to get this resolved. I just did some research about this company and it now clearly looks like total scamm web site. Not sure how it is even allowed and surely citi must know that this place is shady. Please help if you can. I can provide any information needed. Thank you.

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 2025-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MD

Complaint narrative:
I received a random email of a new login attempt to an account I never setup. The email was quickly followed by a direct deposit form. The company is Chime based out of XXXX XXXX. From their website : " Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXX XXXX XXXXXXXX. or XXXX XXXX XXXX ; Members FDIC. '' They can be reached at XXXX. 

The direct deposit form Chime attached in their email had an address I have never heard of and my digital signature that I did not consent to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Even though the balance was cleared, it still shows late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: FL

Complaint narrative:
I did not have any contracts with these company trying to collect debt. The first company is BLACKWELL RECOVERY. They harass me. the second company is XXXX XXXX. Dads fall between Between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AR

Complaint narrative:
Someone used my information to obtain services. I did not consent to an account being opened with the service provider and it is result of identity theft. I have been investigating and adding in any in every way that XXXX needs to have this account removed. I need this account removed from my credit report and I need the debt canceled. I have not authorize anyone to use my information or open an account with this provider.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IA

Complaint narrative:
I am having an issue getting my XXXX XXXX XXXX, Lexis Nexis and Clarity annual consumer report. I want XXXX XXXX XXXX, Lexis Nexis and Clarity to mail me a complete copy of my annual consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am having an issue getting my XXXX XXXX XXXX XXXX XXXX and XXXX annual consumer report. I want XXXX XXXX XXXX, XXXX XXXX and XXXX to mail me a complete copy of my annual consumer 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 2025-10-16 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 sending to formally dispute inaccurate information that appears on my credit report. The following items do not accurately reflect my financial history, and I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Amount {$0.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Amount {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX  Condition Derogatory Responsibility Individual Current Balance {$1500.00} Original Balance {$1500.00} Limit Monthly Payment Last Payment Status Collection / Charge-Off Loan Term Loan Type Opened XX/XX/year> Reported XX/XX/year> Remarks Placed for collection Creditor Information TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I deposited my winnings from that rivers into my Venmo account. I ended with about {$990.00}. I woke up the next morning with over five {$600.00} missing then Venmo pointed out that on XXXX XXXX that the transaction occurred for a few XXXX dollars that I did not authorize at XXXX AM. Have the transaction scripts doesnt show up on my bet XXXX account them wouldnt let me deposit money to be rivers but all of a sudden they allowed it after a prime video charge and they ran it up for over {$600.00} and now no bike could tell me where my money went and on my dispute Ive been denied but they gave me the dispute that started everything Before the charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am sending to formally dispute several accounts that are appearing on my credit report which I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation of each account under my rights granted by the Fair Credit Reporting Act ( FCRA ). Please review the following statements for each account currently in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Re : Follow-Up and Escalation Request Complaint No. XXXX and Complaint No. XXXX Consumer : XXXX XXXX XXXX Account XXXX XXXX. : XXXX I am submitting this formal follow-up and escalation request regarding my complaint ( No. XXXX and Complaint No. XXXX ) against Portfolio Recovery Associates , LLC ( PRA ) and its attorneys, The XXXX XXXX XXXX XXXX XXXX XXXX reference to alleged debt collection activity tied to Account No. XXXX. 

On XX/XX/year>, the company XXXX XXXX XXXX ) responded to my complaint indicating that there " may be potential fraud involved '' and that I " may have been a victim of fraud. '' This response inherently acknowledges that the debt in question may not be legitimately connected to me, which directly conflicts with the legal actions and communications I have received from XXXX XXXX on behalf of PRA. 

Given that the company has now raised the possibility of fraud, I respectfully request that the CFPB : 1. Require PRA and XXXX XXXX to immediately cease all collection and legal activity associated with this account. 
2. Confirm and document that this matter is classified as potential fraud. 
3. Ensure the permanent removal of the related account from all credit reporting agencies under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ). 
4. Provide written confirmation of enforcement or supervisory review findings for my records. 
5. Provide to me via mail that all legal activity associated with this account has ceased. As XXXX XXXX has tried to collect and sent a judgment to the XXXX XXXX on XX/XX/year> and XX/XX/year>. And that they do not try to circumvent with legal jargon, judgments, or settlement offers that circumvent my legal rights. 

Please note that PRAs prior statement claiming to have ceased all communications unless required by law was proven false by subsequent certified mailings threatening legal action. These contradictions highlight the need for federal enforcement review to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ) ) and the FCRA. 


Thank you for your continued attention to this matter. Please forward any updates.

Company response to consumer: Closed with non-monetary relief