vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express offered me a XXXX XXXX and charged me a {$320.00} annual fee. After I paid the fee, American Express removed my entire credit line without warning and left the account with zero available credit. This made the card completely unusable despite having just collected the annual fee.

I was able to reach a representative once, and they told me I had missed the refund window by one day, but they could not provide any explanation for why my credit line was removed or why the card was unusable immediately after I paid the annual fee. No adverse-action notice was provided, and no clear reason was given for disabling the account. 

Since then, I have been unable to contact customer service because the Amex phone system requires an active card number. American Express instructed me to cancel and destroy my cards, and after doing so I no longer have any way to reach a representative. This has effectively blocked me from resolving the issue or disputing the charge. 

I paid for a card product and benefits that I was immediately prevented from using, and the company kept the full annual fee. This has caused financial harm and appears to be an unfair and deceptive practice.

I am requesting : 1. A full refund of the {$320.00} annual fee.

2. A written explanation for the credit line removal.

3. Correction of any negative credit reporting related to this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
My bank XXXX XXXX XXXX, send a check for {$1000.00}, on XX/XX/year>, to Affirm Inc. to pay off outstanding loans I had with Affirm. Affirm endorsed and cashed the check on XX/XX/year>. However they did not pay off the loans with this check. I have contacted affirm multiple times about this issue. Affirm continues to tell me they are sending it to The specialist team. I have sent pictures of correspondence with my bank about this issue and pictures of the check endorsed by affirm that was cashed. Nothing has been resolved at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am disputing the accuracy of the following accounts and inquiries appearing on my credit report provided by Experian. The details are as follows : CHARGED OFF Accounts : XXXX Account Number : XX/XX/XXXXXX/XX/XXXXXX/XX/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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-04 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: GA

Complaint narrative:
I am filing this complaint because several entries on my credit reports appear to be inaccurate, incomplete, outdated, or reported inconsistently between the three credit bureaus. I am requesting the CFPBs assistance to ensure each bureau completes a proper investigation and verifies all information they are reporting about me.

Charged-Off Accounts These charged-off accounts appear inaccurate, inconsistent with other bureaus, or reported with incorrect balances/dates. I dispute each of them : XXXX XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX  XXXX {$1800.00} XXXX  XXXX {$0.00} I request full verification for each account or removal if accurate documentation can not be provided.

Inquiries I dispute this inquiry, which I do not recognize : XXXX XXXX XXXXXX/XX/year> I am requesting verification of permissible purpose or removal. 

Late Payments These late-payment entries appear inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX ( two entries ) XXXX  XXXX I request documentation proving these late payments. If unverifiable, they should be corrected or deleted.

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 2025-12-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern : This correspondence serves as a formal billing dispute under the Fair Credit Billing Act ( 15 U.S.C.

1666 ( b ) ). I am disputing the accuracy and validity of the above-referenced account, which your company has reported and/or billed in my name.

I have never authorized or signed for any charges related to this account, and I have not received any valid documentation establishing my liability. Therefore, I am exercising my rights under federal law to dispute the completeness, accuracy, and legitimacy of this information.

Under 15 U.S.C. 1666 ( b ), you are required to investigate this matter, acknowledge receipt of this dispute within 30 days, and either correct or verify the account in writing within 90 days of receiving this notice.

If your office can not provide written documentation bearing my signature proving the validity of this account, I request that you immediately remove or correct any and all reporting associated with it from all consumer reporting agencies pursuant to 15 U.S.C. 1666 ( b ).

Please respond in writing to the address listed above. Any continued attempts to report inaccurate or unverified information will be treated as willful noncompliance under federal law.

Thank you for your prompt attention. 
Sincerely, /s/ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-04 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/year> - Tried purchasing an item on Academy.com and transaction of {$12.00} was deigned. Contacted American Express gift card customer service and the recording says transaction was declined due to the company not having a section to enter the cards " security code ''. However, the CCV code ( which XXXX requests ) on the front of the card will not suffice to process payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: ID

Complaint narrative:
I got unfairly treated at loan max of postfalls and after falling be hind 40 days and being denied a restructuring of loan request to lower payments to more affordable monthly payment I had already almost payed the the amount of the loan which was XXXX butof coarse still had XXXX interest to pay. The truck was reported 10 months ago and sold roughly 8 months ago leaving a surplus of funds which I am entitles to by law. Numerous attempts calling XXXX  number based in XXXX trying to get resolution .e.i but got th same old song and dance stating this perso. Would no get.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccuracies in my credit report. Below are the accounts in question that I believe have errors. Please review and investigate these issues, and take appropriate action. 

Inquiries XXXX XXXX XXXX, XX/XX/XXXX XXXX BANK XXXX, XX/XX/XXXX Late Payments XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
I received a bill from Montgomery Wards claiming that I owe {$360.00} for an order from their company around XX/XX/year>. I have never opened a credit account with Montgomery Wards and I have never received goods or services from Montgomery Wards. I filed a dispute with Equifax and the FTC and the account was removed from my credit report. I also used the account number on the bill to create a web account with Montgomery Wards and I discovered that the person who opened the credit account listed my actual address as the billing address and the products they ordered were sent to an address in Washington. I have never lived in Washington state and I do not know anyone who resides at this address. I recently received a notice of collections from XXXX XXXX, acting on behalf of Montgomery Wards to collect this debt. I have filed a police report with the XXXX XXXX XXXX Department with report # : XXXX. I did not open this account nor have I received goods or services from Montgomery Wards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Debt collection company continues to contact me, texts me frequently daily. It feels like harassment. 
I called them and told them to hold so I could connect with the bank to clarify this since I am sure it was already paid. They hung up. 
They had my social information and sounded foreign. When I called them I asked if they can tell me what year the account was opened and they were able to tell me the year and said they received the debt in XXXX however the bank ( legitimate business ) says they have their own internal collection company and do not outsource. 
They attempted to collect XXXX. 
They would have a payment plan for cheaper at XXXX. 
XXXX  bank is the holder of the XXXX  XXXX accounts prior to XXXX and the bank that was contacted for confirm ir verify information. 
And the debt collection agency is listed as LVNV funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
It communicates an inaccurate reflection of my financial stance.

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 2025-12-04 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXXXXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/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 2025-12-04 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: CA

Complaint narrative:
Legally, disputed accounts must be evaluated and removed in a timely manner.

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