vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am filing this complaint against American Express ( AmEx ) due to misleading and non-transparent reporting of eligible spending for the XXXX XXXX American Express Surpass Cards free night award, which has caused me financial harm and undermined my trust in the company. 

According to the terms of the Hilton Honors Surpass Card, cardholders who spend {$15000.00} on eligible purchases within a calendar year are awarded a free night certificate. To track my 2024 progress toward this threshold, I relied on the spending information provided on the official American Express website, which is the primary and most reasonable source for monitoring my account activity. The AmEx website clearly indicated that my total spending for the year 2024 was {$15000.00}, comfortably exceeding the {$15000.00} requirement. Based on this information, I was confident I had met the criteria to earn the free night award. 
However, I never received the free night certificate. When I contacted American Express to inquire, I was informed that over {$1000.00} of my spending was deemed ineligible, and my actual eligible spending totaled only {$14000.00}, falling just short of the {$15000.00} threshold. I was shocked and frustrated to learn this, as the AmEx website did not indicate that any of my purchases were ineligible or provide any breakdown distinguishing eligible from ineligible spending. Had I been aware that certain transactions did not count toward the {$15000.00} goal, I would have adjusted my spending accordingly to ensure I met the requirement. 

This lack of transparency is unfair and deceptive. American Express failed to clearly communicate which purchases were ineligible on their website, the very platform I relied upon to make informed financial decisions. As a loyal cardholder, I diligently tracked my spending to meet the {$15000.00} threshold, only to be penalized due to information that was not disclosed in a clear or accessible manner. The free night award represents significant value, and I was deprived of this benefit due to AmExs inadequate reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

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 2025-05-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MI

Complaint narrative:
After receiving calls from a debt collector about a debt I had no clue about I was urged to check my credit report. Upon checking my credit report I found several fraudulent accounts being reported that I did not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
After receiving calls from a debt collector about a debt I had no clue about I was urged to check my credit report. Upon checking my credit report I found several fraudulent accounts being reported that I did not open.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being submitted to formally request, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), that XXXX block all information on my consumer credit report that is the result of identity theft. You are required by law to complete this block within four business days of receiving this request.

The fraudulent, inaccurate, and unauthorized information includes : A personal credit card account opened with WFBNA CARD on XX/XX/XXXX under account number XXXXXXXXXXXX XXXX XXXX XXXX XXXX   An auto loan account opened with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal credit card opened with XXXX XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX A personal loan account opened with XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX  A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX  A personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts have led to multiple false collections and hard inquiries showing up on my consumer FICO credit report. I do not recognize any of these accounts or related collections. They were not opened, authorized, or initiated by me in any way. 

I am the victim of identity theft, and all of the accounts and collections listed above are directly tied to that fraud. As supporting evidence, I have attached a copy of FTC Identity Theft Complaint number XXXX and FTC Identity Theft Complaint number XXXX filed with the United States Federal Trade Commission. 

I am requesting the immediate blocking and removal of these items from my credit report, and that no further collection activity related to them be pursued.

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 2025-05-16 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being submitted to formally request, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), that XX/XX/XXXX block all information on my consumer credit report that is the result of identity theft. You are required by law to complete this block within four business days of receiving this request.

The fraudulent, inaccurate, and unauthorized information includes : A personal credit card account opened with XXXXXX/XX/XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXXAn auto loan account opened withXX/XX/XXXX XX/XX/XXXX XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXXA personal credit card opened with XX/XX/XXXX XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXX A personal loan account opened with XX/XX/XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXXA personal loan account opened withXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX under account number XXXXXX/XX/XXXXA personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXXA personal loan account opened with XXXX XXXX XXXX on XX/XX/XXXX under account number XXXXXX/XX/XXXX These fraudulent accounts have led to multiple false collections and hard inquiries showing up on my consumer FICO credit report. I do not recognize any of these accounts or related collections. They were not opened, authorized, or initiated by me in any way.

I am the victim of identity theft, and all of the accounts and collections listed above are directly tied to that fraud. As supporting evidence, I have attached a copy of FTC Identity Theft Complaint number XXXX and FTC Identity Theft Complaint number XXXX filed with the United States Federal Trade Commission. 

I am requesting the immediate blocking and removal of these items from my credit report, and that no further collection activity related to them be pursued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I am being contacted multiple times for a debt I have disputed many times, and yet the collection company keeps hassling me. Furthermore I have been disputing the debt due to infecting/dangerous action taken by the hospital when I was at the ER. I needed XXXX XXXX and the doctor gave me a XXXX which game me a terrible reaction as I never take XXXX  or other types of drugs meant to help with pain. The amount is XXXX XXXX 
I have tried to negotiate with XXXX XXXX XXXX a lesser amount, including some sort of monthly payment. The hospital has refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
MY CREDIT REPORT HAVE MULTIPLE INCORRECT NAME VARIETIES, ALSO ADDRESSES, AND PHONE NUMBERS DUE TO FRADULENT ACTIVITIES. 

MY FULL AND CORRECT LEGAL NAME IS XXXX XXXX. THE FRADUELENT VARETIES ARE XXXX XXXX XXXX, XXXX, XXXX. 

MY CURRENT AND VALID ADDRESS IS : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FRADUELENT ADDRESSES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

INCORRECT EMPLOYER NAMES : XXXX XXXX, XXXXXXXX XXXX XXXX  MY CURRENT AND ONLY PHONE NUMBER IS 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY CREDIT REPORT HAVE MULTIPLE INCORRECT NAME VARIETIES, ALSO ADDRESSES, AND PHONE NUMBERS DUE TO FRADULENT ACTIVITIES. 

MY FULL AND CORRECT LEGAL NAME IS XXXX XXXX. THE FRADUELENT VARETIES ARE XXXX XXXX XXXX, XXXX, XXXX. 

MY CURRENT AND VALID ADDRESS IS : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FRADUELENT ADDRESSES ARE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

INCORRECT EMPLOYER NAMES : XXXX XXXX, XXXXXXXX XXXX XXXX  MY CURRENT AND ONLY PHONE NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My mother passed away XXXX XXXX XXXXXXXX is aware and have seen check deposits from XXXX insurance companys. Those deposits were made last year with out an issue totaling to $ XXXX. My aunt had mail that was sent to my house and wasnt able to give it to her until a couple of months ago. She had decided to endorse a check from IRA ( for my moms policy ), totaling to about {$7400.00}, over to me. Which I deposited around XX/XX/XXXX. A week later I recieved an email stating my account would be restricted and will close if I dont give them a call. I got in touch with XXXX and discussed the situation, the gentleman on the phone said since my aunt is back XXXX XXXX and he can clearly see I had recieved checks from my moms life insurance policy and other accounts, all I have to do is call back when the check clears so they can lift the restriction. I would have to ask for a supervisor, and tell them that he said I could ask for an exemption due to the situation. When the check did clear, I got the run around and the agent on the phone said they needed to verify that my aunt endorsed the check by calling her with a XXXX number. When I asked to speak to a supervisor he proceeded to pretend he was one. All I remember is them saying him saying something about a check being written out for the fund in that account. But its been XXXX weeks with no follow up email and no check in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable. Credit reporting agencies and creditors are required to investigate and correct or delete such information within 30 days. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that debts not properly verified or reported with errors be removed or no longer reported. I am requesting a review and removal of the negative accounts that are in violation of these laws. 

Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This credit bureau is allowing this creditor to report false information which is illegal under the fair reporting acts. They are reporting a balance on a paid off loan with XXXX XXXX  this loan was paid in full and they just reported a balance on it. After it says you paid off this loan now it shows a balance. This is illegal!! Remove this before I 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 non-monetary relief
Consumer complaint received 2025-05-16 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: Bread Financial Holdings, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$17000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
I received an email from XXXX that I was approved for a new credit card on XX/XX/XXXX. I have lived outside the United States for a long time. I have been living and teaching in XXXX since XX/XX/XXXX. Before I lived and worked in XXXX between XX/XX/XXXX and XX/XX/XXXX, I had visited the United States during a month-long visit in XX/XX/XXXX. 

I have not applied for a credit card and have not been near the United States since XX/XX/XXXX. I called Equifax to dispute the items and place a credit freeze on my account. The representative claimed I could not verify all my information. 

I wrote XXXX letters to Equifax, XXXX for the dispute items in my credit report and the other for the credit freeze. They mailed a letter and claimed my identification was not legible. Thus, they refused to investigate my claim. 

I attached their letter claiming my identification is not legible. I also attached the XXXX  file for my dispute letter and identification. The XXXX file does not have a signature because I print the letters and sign with a pen. I also attached my XXXX Equifax Credit Report as proof, even though my Nevada driver 's license is Real ID. I also checked the XXXX XXXX and my license is still active and current. I thought Equifax had driver 's license information from the states. My information is easy to verify, but Equifax is making the dispute process and credit freeze difficult. 

I have no open credit. I am using information from XXXX  for my dispute since I did not receive my credit history from Equifax. I would like the credit card information for XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX removed from my credit history. Furthermore, I have never lived in XXXX XXXX XXXX XXXX XXXX. I would like the following addresses and phone numbers removed from my credit file. These addresses are from my XXXX  report. 

Fraudulent addresses that were added to my credit history XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never lived in XXXX, XXXX XXXX XXXX XXXX I have never had these telephone numbers, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief