vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a verified survivor of XXXX XXXX  and submitted my required documentation to Equifax under Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Equifax to block all adverse credit information resulting from XXXX within 4 business days of receiving proper documentation. 
Despite providing my Self-Attestation form and supporting materials multiple times, Equifax continues to mishandle my submission by treating it as a basic dispute and stating it will take 25 to 30 days to investigate. This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulation, yet Equifax continues to mishandle my case. 

Equifaxs failure to properly process my XXXX-related claim has caused ongoing harm to my credit and violates my rights under FCRA 605C .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I do not recognize any of these accounts that is on my credit report. 

XXXX. XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
My personal information was exposed in XXXX XXXX XXXX Breach and my Identity was stolen resulting in fraudulent collections and credit card accounts being added to my report thru Equifax and Experian. 

Account XXXX. XXXX XXXX XXXX - {$820.00} Account XXXX. XXXX XXXX XXXX - {$1200.00} Account XXXX. XXXX XXXX XXXX - {$870.00} Account XXXX. XXXX  COLLECTIONS- {$220.00} Account XXXX. XXXX BANK - {$2100.00} Account XXXX. XXXX XXXX- {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: LEXISNEXIS
State: GA

Complaint narrative:
My personal information was exposed in Nexis Lexis Data Breach and my Identity was stolen resulting in fraudulent collections and credit card accounts being added to my report thru XXXX  and XXXX. 

Account XXXX. XXXX XXXX XXXX - {$820.00} Account XXXX. XXXX XXXX XXXX - {$1200.00} Account XXXX. XXXX XXXX XXXX - {$870.00} Account XXXX. XXXX XXXX- {$220.00} Account XXXX. XXXX XXXX  - {$2100.00} Account XXXX. XXXX XXXX- {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I received a debt collection notice from Radius Global Solutions LLC regarding a XXXX XXXX account for services dated XX/XX/year>. The original balance was {$700.00}. Since then, I have already paid or have been credited {$510.00}. The current remaining balance is {$180.00}. 

I am willing to pay this remaining balance in full, but I would like to reach a pay-for-delete agreement, meaning I want to resolve the debt while requesting that Radius Global Solutions delete this collection from all credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

This debt has a medical origin, and as a consumer I should have the opportunity to resolve it without long-term damage to my credit profile. 

I am submitting this complaint through the CFPB to formally request this resolution opportunity. I am not disputing the validity of the balance, but requesting a fair and cooperative solution.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
b'please see supporting documentation pertaining to XXXX  data breach.'

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 2025-07-06 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I was a paying passenger aboard XXXX XXXX XXXX  XXXX from XXXX to XXXX, traveling under my AAdvantage XXXX XXXX  account. During the flight, I was denied use of the forward lavatory in violation of the carriers stated policy that allows all passengers to use first-class bathrooms unless otherwise restricted for safety. The situation escalated based on false and exaggerated allegations by crew members, yet no law enforcement was ever summoned, and I passed a breathalyzer administered upon landing. 

Following this incident, I was effectively blacklisted without formal notice or due process. My AAdvantage account was internally flagged, and I was quietly barred from access to Loyalty Points benefits and XXXX XXXX privileges that I had earned in good faith, despite being neither criminally charged nor subjected to a no-fly list. No clear reason or written explanation has been provided by XXXX XXXX for this adverse action. 

I contacted XXXX XXXX and the FAA repeatedly, including via FOIA and formal complaint channels, and I was later forced to defend myself pro se in a federal civil penalty action initiated by the FAA ( Docket No. XXXX ), which arose solely from the airlines unsubstantiated report. That action resulted in a reduced fine and substantial credibility findings in my favorparticularly against key XXXX XXXX flight attendants who were found to exaggerate and contradict the evidence. 

Despite this, XXXX XXXX continues to suppress the status and value of my AAdvantage account without transparency or accountability. This has affected my ability to book flights, receive earned benefits, and enjoy the privileges associated with my tier level. I believe this constitutes unfair, deceptive, and retaliatory conduct in violation of the AAdvantage terms and conditions as well as basic consumer protection principles. 

I am requesting full reinstatement of my account status, restoration of Loyalty Points and XXXXXXXX XXXX privileges, and written clarification from XXXX XXXX regarding the basis and duration of any restrictions placed on my AAdvantage account.

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX sent two checks totalling {$5000.00} to my address. XXXX XXXX XXXX XXXX, CA XXXX on around XX/XX/year>. Check no. XXXX {$260.00} and check no. XXXX {$4700.00}. XXXX XXXX stole my mail, forged my signature, and deposited into Bank of America bank account. Police Report # XXXX XXXX XXXX # XXXX stated BoA would not cooperate with the investigation by refusing to give information. BoA violated California Code Commercial Code 3405 & 3420. My name is the only name on the check and I do not have a account with BoA. I did not give anyone permission to sign or cash the checks. The checks were sent to pay my mortgage insurance. BoA refused to cooperate with XXXX and the XXXX Sheriff Dept

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 2025-07-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been getting hacked on various bank accounts. To the point where my funds are being taken from the account and have had my accounts overdraft, On one account I had someone overdraft is by almost XXXX. 

Ive had things other things like loan or anything else opened under my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for the Chase Sapphire Reserve card through a public link that clearly included a welcome bonus offer ( XXXX points after meeting the minimum spend {$5000.00} ). I have NEVER received any previous welcome bonus from any Sapphire product. 

During my application, there was NO message stating I was ineligible for the bonus. I completed the application based on the understanding that I would receive the sign-up offer, as advertised. 

Because I believed I would receive the Chase bonus, I closed my XXXX XXXX card that still had an active welcome bonus offer. I made this financial decision in good faith based on Chases promotion. 

After receiving and activating the card, I was told I was not eligible for the bonus without any proof that such a message was displayed during the application process. I repeatedly contacted Chase and asked them to verify whether any ineligibility warning was shown. They have refused to provide proof and continue to claim I " accepted '' applying without a bonus, which is untrue. 

In the days following approval, I have already spent nearly {$2000.00} on this card, including airfare and diningcategories that would have earned me valuable points on other cards. I used the Sapphire Reserve card based on the belief that I would receive the welcome bonus. Had I known there was no bonus, I would have used a different card for all those purchases. 

I feel misled by Chases lack of transparency, and their refusal to provide proof that I was ever shown an ineligibility message is deeply concerning. I am requesting that Chase either : 1. Provide clear evidence that such a warning was shown during my application, OR 2. Honor the original sign-up bonus, OR 3. Offer a fair resolution to make up for the misleading process and financial loss. 

This lack of transparency and misleading process has resulted in financial harm, including the loss of another cards bonus. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MO

Complaint narrative:
In XXXX, Discover sent me an email regarding the terms and conditions of my credit card. I was working in XXXX XXXX at the time and received hundreds of emails daily. Although I may have opened the email, I never signed or accepted the terms. As a result, Discover revoked and closed my account without giving me an opportunity to sign the document or keep the account open despite my willingness to do so. 

Since that time, I have continued to make consistent monthly payments on the closed account. I was initially not being charged interest, so I assumed my payments were reducing the balance. However, on XX/XX/XXXX, after reviewing my credit report and statements, I discovered that interest began accruing in XX/XX/XXXX despite the account being closed and no new terms ever being accepted. To date, I have paid a total of {$2600.00} in interest charges on a closed account, which I had no legal agreement to be charged on Ive called Discover twice requesting documentation specifically, the terms and conditions on my closed account. One representative acknowledged that the document was emailed to me and also confirmed it was never signed. Ive attempted to speak with someone in billing or closed accounts and have been passed around to different departments. Each time Im transferred, no one is available, and no resolution has been offered. 

What Discover is doing is not only predatory, it is legally questionable. I am being charged recurring interest on an account that has been closed due to my lack of agreement to terms which I never signed and I have no access to the account, credit line, or card benefits. This is essentially interest on non-existent credit. 

I am requesting that Discover immediately : Halt all future interest charges on the closed account. 
Apply the {$2600.00} in interest already paid to the principal balance. 

Alternatively, if they are unwilling to do so, I request a full refund of the {$2600.00} paid in interest charges. 

This practice is misleading, damaging to consumers, and should be investigated thoroughly. No consumer should be penalized with nearly {$3000.00} in interest on an account they cant access, never agreed to new terms on, and have diligently tried to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
While going over my TransUnion report I saw an account I never opened. 

XXXX. XXXX XXXX XXXX XX/XX/year> 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 2025-07-06 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 several fraudulent accounts. Please delete these immediately as its making it difficult for me to obtain new credit and is impacting the quality of my life.

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 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed a Transunion account XXXX XXXX XXXX XXXX through XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, and the dispute still is marked " in review " dispute number XXXX Under the Fair Credit Reporting Act FCRA, the credit bureau must complete an investigation in 30 days or 45 with additional information. they missed the deadline by over 4 months. 

I am requesting that the disputed item be removed immediately for failure to comply with the FCRA timeline

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I purchased a physical item through the XXXX website and paid using PayPal. The seller provided a fake tracking number that links to a suspicious, non-official tracking website. This site shows shipping updates that do not match any real carrier ( such as USPS ), and USPS still shows the status as Label Created meaning the item was never shipped. 

The seller kept insisting the item was in transit and provided updates through that fake website. However, the tracking information appeared to be manually entered or copied and pasted, and the seller even made mistakes in the timeline such as using the wrong year and repeating old updates. 

I submitted this evidence to PayPal, but they denied my claim without clearly explaining why. I asked PayPal for a specific reason the transaction was not covered under Purchase Protection ( for example, if it was considered a digital good, custom item, etc. ), but they have not answered. 

I believe this is a scam, and I trusted PayPal for buyer protection. I am requesting a refund for the item that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: United PanAm Financial Corp.
State: PA

Complaint narrative:
Upon thorough review, I have identified multiple inaccuracies and legal violations in how this account is being reported. I respectfully request that you conduct a full reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ) and take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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