vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: WA

Complaint narrative:
I am submitting this complaint regarding a loss of nearly XXXX Membership Rewards points after canceling my American Express XXXX XXXX XXXX. 

Before I went ahead with cancelling the card, I asked an Amex representative whether I would lose my points. The representative assured me that as long as I had other Amex accounts open, my points would be preserved. Based on that confirmation from the representative, I closed the card. 

However, when I recently tried to redeem my points, I discovered that they had been gone. I contacted Amex customer service again, and this time I was told that only Membership Rewards-earning cards can preserve points, not just Amex account. 

This directly contradicts what I was previously told. If I had been correctly informed that a rewards-earning card was required to retain my points, I would have transferred or used them before closing the card. Its unreasonable to assume someone would knowingly forfeit nearly XXXX points if they were aware of the consequence. 

I believe I was misinformed by Amexs own representative, and that misinformation led directly to this financial loss. I am requesting a goodwill reinstatement of my points, or any equitable resolution that reflects the fact that I relied on inaccurate guidance provided by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 has neither corrected nor 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 's inaction violates federal law and my rights as a consumer.

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 2025-05-25 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you Investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: ME

Complaint narrative:
XXXX XXXX claimed to eliminate debt and have negative items removed for good they differ do anything I could see .. the credit reporting agency continued to use debts older than 7 years and theyre on the complaint list offered to fix damages and made it worse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: NM

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 
Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see these account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-05-25 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: FL

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Deletion of Unverifiable Account To Whom It May Concern : I am writing to formally request the removal of an unverifiable and previously disputed account from my credit file maintained by your agency. The account in question is a charge-off reported by XXXX XXXX XXXX XXXX in the amount of {$9600.00}. 

This account was previously reported to my XXXX credit report. Following a formal dispute, XXXX completed its investigation on XX/XX/year>, and subsequently deleted the account from my file. According to the Fair Credit Reporting Act ( FCRA ), if a credit reporting agency is unable to verify the accuracy of a disputed item, that item must be deleted from the consumers credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ). 

The fact that XXXX has deleted this account is strong evidence that the account can not be verified and thus should not be reported by any other consumer reporting agency. Continuing to report information that has been found to be unverifiable or inaccurate by one agency violates the FCRA and constitutes an unfair and negligent reporting practice. 

I am formally demanding the immediate removal of this unverifiable XXXX XXXX XXXX XXXX account from my credit file. This demand is being made pursuant to : - FCRA 611 ( 15 U.S.C. 1681i ) : Reinforces your obligation to investigate and remove disputed information if it can not be verified.

- FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of consumer report information.

- FCRA 623 ( a ) ( 5 ) : Prevents furnishing data that is known to be inaccurate or unverifiable. 

You are required by law to complete your reinvestigation within 30 days of the receipt of this dispute. Failure to remove this unverifiable item within that timeframe will place you in violation of the FCRA, which may entitle me to seek damages, file a complaint with the Consumer Financial Protection Bureau ( CFPB ), and pursue civil legal remedies under FCRA 616 and 617 ( 15 U.S.C. 1681n, 1681o ), which allow for recovery of actual, statutory, and punitive damages, along with attorneys fees. 

Please update my credit report accordingly and provide written confirmation of the deletion. Additionally, I request a free updated copy of my credit report reflecting this change, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( ii ). 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX, as soon as possible from my report or I will be taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
I am submitting this complaint regarding my recent experience with Barclays Bank Delaware concerning the AAdvantage Aviator XXXX XXXX XXXX XXXX ( Application # XXXX ). 

I was denied the credit card with the stated reason that I had opened a high number of credit card accounts. This explanation is inaccurate. According to all three of my credit reportsXX/XX/XXXX and XX/XX/XXXXI have only applied for four credit cards in the past 24 months. I currently have a credit score above XXXX and no debt, which demonstrates strong creditworthiness. 

On XX/XX/year>2025, around XXXX XX/XX/XXXX, I contacted Barclays reconsideration line to request a manual review. The representative was extremely unprofessional. She refused to review my application and offered no path for escalation. Her tone was rude and dismissive, and the call ended with no resolution. 

This experience raises concerns that Barclays may be using the AAdvantage cards generous bonus offer as a marketing tool, rather than genuinely considering eligible applicants. The combination of an inaccurate denial reason and disrespectful customer service appears deceptive. 

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 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Friday XX/XX/year> at Truist Bank in XXXX, AL i deposited my XXXX XXXX XXXX. I am a XXXX veteran  that served in the XXXX XXXX. 

That afternoon my card declined when attempting to buy my son some food. 

I called the bank and they advised that my account was under investigation for fraud. When i went to the bank Saturday to try and get cash out they told me there was a note on my account that said not to release any funds. 

This is also Memorial Day weekend so I am without any means to buy food gas or anything for XXXX days until the fraud department opens on Tuesday. 

They could have reached out to me on Friday to get this resolved instead of freezing me out of my bank account completely for XXXX days. I was not contacted by phone or email on this matter.

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 2025-05-25 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX Subject : URGENT REQUEST FOR REMOVAL OF FRAUDULENT ACCOUNTS DUE TO IDENTITY THEFT To Whom It May Concern, I am writing to formally dispute several accounts listed on my EQUIFAX report that were fraudulently opened without my knowledge or consent. These accounts are the result of identity theft and do not belong to me. Please find below a list of the fraudulent accounts that I am requesting be immediately removed from my credit file : XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX. XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Credit XXXX Bank XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX XXXX Opened XX/XX/XXXX I am requesting that these accounts be investigated and permanently deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act. To support my claim, I have enclosed the following documents : A copy of my government-issued ID A recent utility bill or official mail to verify my current address A police report and/or FTC Identity Theft Affidavit Due to the serious nature of this fraud and the immediate harm it is causing to my credit profile and financial well-being, I respectfully request resolution within 7 days of receipt of this letter. If I do not receive a response or confirmation of removal within that time, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any other relevant authorities. Thank you for your urgent attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I would like debt validation from CAPITAL ONE for an account that was charged off. 
Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$500.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
My internet was turned off for {$150.00} by charter communications and sold to a debt collector by the name Harris and Harris without my permission. I was not given an opportunity to request a 1099 C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual I am writing to dispute fraudulent information that appears on my credit report. I have been the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file. 
Please investigate and remove the following fraudulent items from my credit report : As a victim of identity theft, I have the following rights under the FCRA : The right to have you place a fraud alert on my credit file. 
The right to have you block reporting of information resulting from identity theft. 
The right to prevent businesses from reporting information about fraudulent accounts to you. 
Please investigate this matter, remove all fraudulent information from my credit report, and send me an updated copy of my credit report reflecting these changes. If you find that any information can not be verified, please delete it promptly. 
Additionally, please notify me of the results of your investigation within 30 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. 

Reporting Act ( FCRA ) Please investigate this matter, remove all fraudulent information from my credit report, and send me an updated copy of my credit report reflecting these changes.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file.

I have been the victim of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information investigated and removed from my credit file.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have this fraudulent information be 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 2025-05-25 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 recently reviewed a copy of my credit report and found there to be fraudulent activities

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 2025-05-25 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and found there to be fraudulent activities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is report addresses on my credit report that can't be validated and won't remove them I've tried multiple times at having this inaccurate information removed. According to FCRA 1681i, the credit bureau is required to investigate and verify the accuracy of the disputed information within 15 days. If the data furnisher can not provide sufficient verification, all accounts related to this address must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
National Credit Systems. I sent documents showing XXXX balance. Item is still on credit report. Also, duplicate of charge on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
The prepaid XXXX debit card I got declines from almost every place I try to spend it at. It declines from everywhere but XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation