vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: SC

Complaint narrative:
I am submitting this follow-up complaint after conducting a thorough review of my credit profile, which has revealed multiple serious discrepancies, errors, and instances of reporting that are inconsistent with my personal financial history. What began as a routine verification of my accounts has revealed information on my credit report that is not mine, including an inaccurate address and multiple unauthorized inquiries. These discrepancies misrepresent my financial behavior and suggest that my personal information may have been misused or incorrectly associated with accounts belonging to another individual. I am formally requesting a full, documented reinvestigation of each inaccuracy described below, invoking my rights under the Fair Credit Reporting Act ( FCRA 1666, 1666a, 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 623 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ) regarding false, misleading, and unverified debt reporting. 
The first discrepancy is an inaccurate address listed in my file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX, which I have never lived at, received mail at, or conducted financial transactions associated with. The presence of this address raises concerns that accounts, inquiries, or obligations may have been erroneously or fraudulently attributed to me. This violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), as furnishers are obligated to report accurate identifying information, including addresses and dates of first delinquency. The incorrect address may have caused or contributed to other inaccuracies on my credit file, including unauthorized inquiries and misreported accounts. 
In addition, I have discovered multiple unauthorized hard inquiries associated with this address, including : XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not apply for any credit or authorize these inquiries. Reporting these inquiries without consent violates FDCPA 807, 808, and 809, and negatively impacts my credit score, misrepresents my financial behavior, and could imply obligations I have never assumed.

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 2025-12-15 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Please be advised that I am disputing this debt and formally request that you provide validation as required by the Fair Debt Collection Practices Act ( FDCPA ), I request validation of the debt, specifically proof that I am the responsible party and that a contractual obligation exists. This is a request for VALIDATION under 15 U.S.C 1692g Sec. 809 ( b ) of the FDCPA, not just verification of my address. I am requesting documented proof that I am legally obligated to pay this debt. 

Specifically, I request the following : * The name and address of the original creditor. 
* The original account number with the original creditor. 
* An itemized breakdown of the total amount claimed, including the original balance, any added interest, fees, payments, and credits since the date of the last payment. 
* A copy of the original signed contract or agreement that bears my signature, which demonstrates my legal obligation to pay. 
* Documentation that legally proves you have the right to collect this specific debt, including the bill of sale and assignment from the original creditor to your company ( not just a notice of assignment ). This documentation should show a clear chain of assignment from the original creditor to your company. 
* Information regarding whether this debt is within the statute of limitations for collection in my state, and how that was determined. 

By law you must cease all collection activity until the debt has been fully substantiated and the requested information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding Transunion for their continued reporting of inaccurate, incomplete, and unverified credit information despite multiple written disputes and formal verification demands. The accounts at issue includes XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have been disputed in writing on multiple occasions, yet the consumer reporting agencies have failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act. 

After my initial dispute, I did not receive any substantive verification demonstrating the accuracy of the information being reported. Transunion failed to provide documentation such as a complete payment history, accounting ledger, signed contract, or evidence establishing the furnishers legal right to report the alleged debts. Instead, the disputed accounts continue to be published with materially inconsistent data, including conflicting balances, credit limits, account statuses, and missing or nonexistent payment histories. These inconsistencies alone demonstrate that the information is not being reported with maximum possible accuracy. 

Despite receiving follow-up disputes and a formal notice of continuing dispute, Transunion continued to rely on automated responses and unverifiable furnisher confirmations rather than conducting an independent and reasonable investigation. This conduct violates 15 U.S.C. 1681e ( b ) for failure to maintain reasonable procedures to assure maximum possible accuracy, as well as 15 U.S.C. 1681i ( a ) for failure to perform a lawful reinvestigation once the information was disputed. Continued reporting after notice of inaccuracy constitutes negligent and potentially willful non-compliance with federal law. 

As a result of this ongoing failure, inaccurate charge-off information remains on my consumer reports, causing ongoing financial harm, reputational injury, and denial of credit opportunities. Transunion refusal to correct or delete information they can not verify places them in direct violation of their statutory obligations under the FCRA. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-15 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information being reported on my XXXX  credit report under the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) regulations. 

The account listed below is being reported as a charge-off/collection by National Debt Systems, Inc. , allegedly assigned in XX/XX/year>, with XXXX listed as the original creditor. This account remains on my credit report despite resolution, and its continued reporting is inaccurate, misleading, and not properly verified. 

Disputed Account Information Collection Agency : National Debt Systems , Inc. 
Creditor Class : Rental/Leasing Original Creditor : Havenwood Account Ending : Grounds for Dispute ( FTC / FCRA Violations ) 1. Failure to Verify Accuracy FCRA 611 ( 15 U.S.C. 1681i ) The furnisher has failed to provide proper verification of this account. Any information that can not be verified must be deleted, not merely updated. 
2. Reporting Inaccurate or Incomplete Information FCRA 623 ( a ) ( 1 ) ( A ) The continued reporting of this account as a charge-off after resolution is factually inaccurate and materially misleading. 
XXXX. Failure to Report Correct Account Status FCRA 623 ( a ) ( 2 ) Furnishers are required to correct and update information. This account is being reported in a manner that does not reflect its true legal or factual status. 
4. Unfair or Deceptive Reporting Practices FTC Act 5 Reporting an unresolved charge-off without proper documentation constitutes an unfair and deceptive act under FTC rules XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a new Chase Sapphire Reserve card under my own name, with my husband as a secondary user. We are long-time Chase customers and Chase XXXX Clients. The promotion for opening this card included : XXXX bonus points after meeting the spending requirement, and a {$500.00} Chase XXXX promotional credit after {$5000.00} in spend. 
I met the spending requirement and received both the XXXX points and an email from Chase stating : Your {$500.00} promo credit is now available on Chase XXXX ... Once youre ready to book, youll have the option to apply your promo credit at checkout. Its available for a one-time use and will expire Thu, XX/XX/2026 at XXXX pm EST. 
Based on the wording provided and my experience with other Chase travel credits, I reasonably understood this to mean the credit could be used toward multiple eligible Chase XXXX bookings until the {$500.00} was exhausted, or until the expiration date. 
There was no clear disclosure that the {$500.00} credit could only be used in a single transaction, nor that any unused portion would be forfeited. 
After applying part of the credit toward a hotel booking, I attempted to apply the remaining balance toward a second Chase XXXX reservation. I then discovered that Chase had permanently removed the remaining unused credit, which I was never warned would occur. 
The phrase available for a one-time use is unclear and misleading, especially given that other Chase Sapphire Reserve XXXX XXXX and reimbursements function differently and can be used across multiple bookings. The lack of explicit disclosure caused financial harm, as I was deprived of the remaining value of the promotional credit that I had earned. 
Had I been clearly informed that the credit required a single transaction or would be forfeited, I would have booked differently. The ambiguity resulted in the loss of a benefit that was a material factor in opening the card. 
I am requesting : XXXX reinstatement of the remaining value of the {$500.00} promotional travel credit, OR XXXX an equivalent statement credit or points adjustment I acted in good faith based on the information Chase provided XXXX writing, and I believe the terms were not clearly communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XXXX I spent {$19.00} at XXXX XXXX, a Singaporean restaurant inside of XXXX XXXX XXXX, XXXX, New York using my Cash App Card on XXXX XXXX  with an offer in the app displayed as " {$10.00} off any restaurant '' and the terms being " Min purchase {$10.00} '' and " Pay with Cash App Card '. When I saw my transaction didn't receive the offer, I initiated a conversation with Cash App Support through the in-app chat feature. I requested for details about the transaction including its merchant category code, which they told me was MCC code 5814 ( Fast Food Restaurant ), and that the offer didn't apply to the transaction because " the payment method on this purchase didn't match the offer type ''. I asked them to clarify if " Fast Food Restaurant '' qualifies as " Any Restaurant '', and they said " it should absolutely qualify as as a restaurant under an Any Restaurant offer ''. They then conversed for a bit about Cash App Pay offers but I reaffirmed to them that the offer shows as " Cash App Card '' and I had used my Cash App Card. I requested for a follow up investigation but it's been over 1.5 hours from my last live chat reply and I believe my conversation had been dropped, and given my past experience with Cash App Support being unable to resolve my issues I have decided to concurrently file a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: AZ

Complaint narrative:
I am reporting unauthorized transactions that occurred through my XXXX XXXX account. 

On XX/XX/2025, I discovered {$750.00} in unauthorized charges on my bank account consisting of five separate XXXX transactions of {$150.00} each for XXXX gift cards. These transactions were completed in person at a XXXX store located in XXXX, New Hampshire. I reside in XXXX, Arizona and was not present in New Hampshire at the time of these purchases. 

I did not authorize these transactions and did not receive any fraud alerts, notifications, or warnings from XXXX regarding suspicious activity on my XXXX XXXX account. The purchases followed a repeated and identical pattern that should reasonably trigger fraud detection safeguards.

I immediately reported the unauthorized transactions to my bank and opened a fraud investigation, which I was informed may take up to 90 days to resolve. I also contacted the XXXX store involved and was advised that there is an ongoing issue with organized fraud involving XXXX XXXX. 

I was subsequently contacted by a law enforcement officer from New Hampshire who confirmed that the transactions are part of a larger organized fraud investigation. Law enforcement has video and photographic evidence of suspects and advised me that I am a victim in this case and should file a local police report in XXXX, Arizona to pursue prosecution if suspects are identified. 

At this time, I am seeking reimbursement for the unauthorized charges and a clear explanation from XXXX regarding how my XXXX XXXX account was compromised and why no fraud alerts or protections were triggered. I am also requesting that XXXX review and address security vulnerabilities within its XXXX XXXX platform to prevent similar harm to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I received a call regarding an important personal matter from XXXX XXXX XXXX XXXX, and I started recording the phone call. I started to request information to verify credit. When requesting the information, as my right to do so to verify any " personal matters '' to get in writing, she interrupted me to state " no, I have to make sure I am speaking to the right person, No Sorry I am not doing that '' when requesting to mail documents, prior to requesting which documents, she hung up. I stayed once being hung up on requesting these documents they require to provide in writing to me : XXXX. XXXX XXXX XXXX : Name, address, and account number from the original creditor. 
XXXX. XXXX XXXX : The original contract or signed agreement showing you owe the debt. 
XXXX. XXXX XXXX : A detailed breakdown of the total amount, including principal, interest, fees, and payments, with dates. 
XXXX. Chain of Ownership : XXXX that the debt collector legally owns or has the right to collect the debt. 
XXXX. Dates : The date the debt was incurred and the date of your last payment. 
XXXX. Collector 's XXXX to Collect : XXXX that they are licensed and have the authority to pursue this debt in Missouri. 
XXXX. XXXX of Limitations : Information on if the debt is past Missouri 's statute of limitations ( XXXX years for open-ended, XXXX for written contracts ). 

I wanted this information sent to the address they have on file due to the fact I am a victim of Identify Theft. I don 't provide info over the phone due to spoofing and scams over the phone and online.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: UT

Complaint narrative:
In XXXX of 2025, I opened an account with Upgrade Inc. for a travel loan. After the loan was funded, I received an email from the lender stating a refund of {$2600.00} had been issued by the vendor. The refund was received by Upgrade and a credit of {$2600.00} was credited to my account, leaving a small balance. The balance was paid in full in XXXX of 2025. The account showed paid in full, and the account showed closed on the credit bureaus. XXXX months later, in XXXX, Upgrade added the refund amount of {$2600.00} back, and reopened the account without my knowledge. I was never notified by Upgrade and I had no idea the account was reopened. After several weeks, I finally received an email. I contacted Upgrade and the told me there was a " glitch '' with the vendor and the refund had never been received. I was told it was my issue and I had to contact the vendor. I refused and told Upgrade this was their issue with the vendor and the refund had already been received by them. I informed them that they needed to contact the vendor. They basically refused and my understanding, they haven't done anything to investigate or resolve this issue. I had reached out multiple times with no response. They have now started to report the account late with the credit bureaus. This is clearly a lender issue and Upgrade dropped the ball. I consider this an attempt of fraud on their part. This company has no integrity and potential customers should be aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
b'I am writing to formally dispute inaccurate and unauthorized personal information currently\nbeing reported on my credit file with your agency, in violation of the Fair Credit Reporting Act\n(FCRA), 15 U.S.C.  1681 et seq., and my federally protected Right to Privacy. Pursuant to 15\nU.S.C.  1681e(b), credit reporting agencies are legally required to maintain only accurate\ninformation and ensure the maximum possible accuracy of consumer data. Furthermore, the\nFCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information,\nincluding addresses and employers that are not demonstrably and directly associated with the\nconsumers credit history. Incorrect Information Reported: Name Variations  The only\nauthorized and correct name that should appear on my credit report is: XXXX XXXX XXXX Any other name variation  must be permanently removed as it is\nincorrect and misleading. Addresses  The only address that should appear on my credit file isXXXX XXXX XXXX XXXX  Michigan XXXXincluding but not\nlimited to XXXX XXXX XXXX XXXX MI XXXX XXXX  Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and\nconstitute a violation of FCRA provisions. Legal Basis for This Dispute: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA, you are obligated to: Ensure the maximum\npossible accuracy of the information in my file ( 1681e(b)) Correct or delete any information\nfound to be inaccurate or unverifiable within 30 days of this notice ( 1681i(a)) Refrain from\nviolating my Right to Privacy by publishing or reporting personal data without my consent or in\nthe absence of a permissible purpose.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: AK

Complaint narrative:
Cover Summary Mortgage Servicing Dispute This cover summary is provided to assist executive and regulatory reviewers in quickly understanding the scope, timeline, and seriousness of the mortgage servicing issues described in the attached documentation. It does not replace the full narrative or evidence and should be read together with the detailed chronological letter, payment register, and supporting exhibits. Please see all attachments. 

Core Issues at a Glance Unexplained {$1000.00} monthly payment increase on a fixed-rate mortgage with no notice Repeated misapplication of payments and concealment of overpayments Discrepancies between bank records, mortgage statements, and online portal amounts Improper use or non-disclosure of suspense/unapplied funds Rolling delinquency maintained despite consistent overpayment Failure to provide required escrow analyses and written responses No posting of documents, other than statements, despite paperless enrollment Account reported as current to credit bureaus, contradicting internal delinquency handling and statements.

Company response to consumer: Closed with explanation