vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/year> I applied for and was approved for credit line of {$8000.00}. However, I later discovered that provider is out of network. Provider presented treatment plan only. I was not informed of the charge, and it was not authorized. After I worked directly with XXXX XXXX to resolve the issue, I contracted CareCredit customer service to address the unauthorized charge and account access concerns. Unfortunately, my experience was deeply frustrating. First the representative, XXXX hung up on me and the second representative offered no resolution and simply asked if I wanted to close my account. I stated I did not want further charges on my account and under pressure, agreed to close it. without being offered any alternatives or support. Since then, I have made multiple attempts to regain access to my account to manage any outstanding balance. I was told to call in if a bill arrives yet denied access to my account portal. This is unreasonable and obstructive. I was encouraged to reapply to open the account to regain access. my application was denied, and my credit report reflects that I closed the original account and was denied credit-despite being previously approved. This appears retaliation, as I had filed a dispute re : the unauthorized charge.

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 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and unauthorized account being reported on my XXXX  credit file. On XX/XX/2025, I submitted a formal dispute to XXXX  regarding three fraudulent account that do not belong to me, specifically with the furnishers XXXX XXXXXXXX XXXX Acct XXXX No. XXXXXXXX XXXX XXXX XXXX XXXX ). Despite my dispute, these accounts are still being reported. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable reinvestigation of disputed information within XXXX  days, or XXXX  days if additional information is provided, and pursuant to 1681i ( a ) ( 6 ) ( A ), to provide me with written results within 5 business days of completing their investigation. If XXXX  can not verify the account, they must delete them immediately. If XXXX  claims the accounts are verified, they must provide the furnishers full name, address, and telephone number, along with copies of all supporting documents relied upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AR

Complaint narrative:
My credit reports from Equifax, TransUnion, and Experian contain negative information that I believe is inaccurate, unverifiable, or beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified closed accounts that are reporting late payment notations despite having a {$0.00} balance, including accounts from XXXX and FST PREMIER. These notations may be outdated or incorrect and are continuing to damage my credit profile. Additionally, my Experian report is showing a charge-off account from XXXX XXXX ( XXXX XXXX ) and a collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX , both of which I have disputed. I have requested validation of these accounts, but to date, I have not received sufficient documentation to verify their accuracy or ownership as required under the FCRA and FDCPA. 
Furthermore, all three credit bureaus are reporting numerous hard inquiries that I did not authorize or which may be duplicative, including entries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and others. These inquiries were made without my express permission, and some appear multiple times across the same or different dates. I requested verification of these inquiries, and if they can not be confirmed as authorized, they should be removed under FCRA guidelines. 
Some of the negative items currently reported may also be more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits credit bureaus from reporting obsolete information. Despite my formal disputes regarding the age and validity of these items, the credit bureaus have continued to include them on my reports, which has negatively affected my ability to obtain credit, housing, and favorable interest rates.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year>, I was scammed by a company XXXX, telling me they were apart of XXXX, They asked me to go to XXXX and use my XXXX  XXXX card to transfer money they put into my bank account, which is connected to XXXX, I did but at.the same time I tried.to check with XXXX  XXXX  to see if they were truly associated with the XXXX, and then called my bank and ask if this was a scam, and they said Yes, but instead of stopping the transactions, they paid the scammers by covering the XXXX I tried to close account but wouldn't do it until them XXXX XXXX. Bank would not let me talk to a supervisor PLEASE HELP XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: 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 non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
b'Company Information\n\nCompany: Vanilla Gift Card / InComm Payments\nProduct: Vanilla Visa Gift Card\n\nComplaint\n\nI purchased two Vanilla Visa gift cards on XXXX XXXX XXXX XXXX XXXX XXXX for both Vanilla Visa gift cards. When I attempted to use the card, I received an authorization error. I contacted Vanilla, and they informed me that the issue is under review. They requested that I submit:\n\n\t\tFront and back images of the gift card\n\t\tPurchase receipt\n\t\tUtility bill showing my housing address\n\nDespite providing these documents on XXXX, the issue has not been resolved, and I have not received a refund or any further updates.\n\nResolution Sought\n\nI am requesting a full refund for the purchase amount of or that the authorization error be resolved immediately so the card can be used.\n\nAttachments\n\t\tGift card images (front and back)\n\t\tPurchase receipt\n\t\tUtility bill\n\nCard Numbers\XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate reporting with TransUnion regarding XXXX XXXX educational loan accounts : Account # : XXXX Account # : XXXX Account XXXX shows a XXXX late payment in XX/XX/year>, despite showing on-time payments for XXXX and XX/XX/year>, which makes a XXXX delinquency chronologically impossible. Meanwhile, Account XXXX shows consistent on-time payments, further confirming the error. 
These discrepancies violate XXXX XXXX reporting standards and 15 U.S. Code 1681e ( b ), which require maximum possible accuracy. Because this reporting is factually unsupported and materially misleading, I am requesting full deletion of both tradelines from TransUnions records. Supporting documentation is available upon request.

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 2025-09-22 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: FL

Complaint narrative:
Subject : Chase Bank Failure to Honor XXXX 12 % Cashback Offer ( Chase Sapphire Preferred ) Consumer : XXXX XXXX Account : Chase Sapphire Preferred Last 4 digits : XXXX Date of Incident : XX/XX/year> Amount in Question : {$170.00} 1. Summary of Complaint On XX/XX/year>, I activated a 12 % cashback offer at XXXX via the Chase mobile app on my Chase Sapphire Preferred card ( ending in XXXX ). I then made a purchase of {$170.00} at XXXX using that card. 

After the purchase : The offer disappeared from my Chase account. 
I did not receive any cashback credit. 
When I called Chase customer service, a representative named XXXX told me they do not see the offer in their system and refused to honor the promotion. Instead, she told me I should have taken a screenshot of the offer. 

It is unreasonable and deceptive for Chase to place the burden on consumers to screenshot offers that Chase itself advertises and manages through its own system. Chase does not provide any email confirmation of offer activation, leaving customers with no record if the offer mysteriously disappears. 



2. Timeline of Events XX/XX/year> Activated 12 % back at XXXX offer in Chase mobile app. 
XX/XX/year> Made purchase of {$170.00} at XXXX with Chase Sapphire Preferred ( last 4 digits : XXXX ). 
Immediately after purchase Offer disappeared from the Chase Offers section of my account. 
Post-purchase No cashback credit posted. 
Customer Service Call Spoke with XXXX, who said Chase has no record of the offer. She refused to escalate and instead told me to take screenshots in the future. 



3. Broader Pattern I have researched online ( including XXXX and MyFICO forums ) and found that other Chase customers report identical issues : Chase Offers vanish after activation and purchases, and Chase later denies the existence of the offers. This suggests a systemic issue that may mislead consumers into spending money under false pretenses. 



4. Consumer Harm I was financially harmed by being denied ~ {$21.00} in cashback ( 12 % of {$170.00} ).

I was deceived into making a purchase under false promises.

I lost trust in Chases rewards program, as it appears unreliable and misleading. 5. Resolution Requested I req
uest that : 1. Chase honor the 12 % cashback on my {$170.00} purchase ( credit of {$21.00} ).

2. Chase revise its practices to provide consumers with proof of offer activation ( such as email confirmation ) instead of placing the burden on consumers to take screenshots.

3. CFPB investigate whether Chase is engaging in a broader deceptive practice by removing or denying offers after activation and purchase. 



Attachments ( if available ) : Proof of {$170.00} transaction at XXXX on XX/XX/year>. 
Public forum discussions showing similar consumer complaints. 



Consumers Signature : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AR

Complaint narrative:
My credit reports from Equifax, TransUnion, and Experian contain negative information that I believe is inaccurate, unverifiable, or beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified closed accounts that are reporting late payment notations despite having a {$0.00} balance, including accounts from XXXX and FST PREMIER. These notations may be outdated or incorrect and are continuing to damage my credit profile. Additionally, my Experian report is showing a charge-off account from XXXX XXXX ( XXXX XXXX ) and a collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX , both of which I have disputed. I have requested validation of these accounts, but to date, I have not received sufficient documentation to verify their accuracy or ownership as required under the FCRA and FDCPA. 
Furthermore, all three credit bureaus are reporting numerous hard inquiries that I did not authorize or which may be duplicative, including entries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and others. These inquiries were made without my express permission, and some appear multiple times across the same or different dates. I requested verification of these inquiries, and if they can not be confirmed as authorized, they should be removed under FCRA guidelines. 
Some of the negative items currently reported may also be more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits credit bureaus from reporting obsolete information. Despite my formal disputes regarding the age and validity of these items, the credit bureaus have continued to include them on my reports, which has negatively affected my ability to obtain credit, housing, and favorable interest rates.

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 2025-09-22 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: AR

Complaint narrative:
My credit reports from Equifax, TransUnion, and Experian contain negative information that I believe is inaccurate, unverifiable, or beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified closed accounts that are reporting late payment notations despite having a {$0.00} balance, including accounts from XXXX and FST PREMIER. These notations may be outdated or incorrect and are continuing to damage my credit profile. Additionally, my Experian report is showing a charge-off account from XXXX XXXX ( XXXX XXXX ) and a collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX , both of which I have disputed. I have requested validation of these accounts, but to date, I have not received sufficient documentation to verify their accuracy or ownership as required under the FCRA and FDCPA. 
Furthermore, all three credit bureaus are reporting numerous hard inquiries that I did not authorize or which may be duplicative, including entries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, and others. These inquiries were made without my express permission, and some appear multiple times across the same or different dates. I requested verification of these inquiries, and if they can not be confirmed as authorized, they should be removed under FCRA guidelines. 
Some of the negative items currently reported may also be more than XXXX years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits credit bureaus from reporting obsolete information. Despite my formal disputes regarding the age and validity of these items, the credit bureaus have continued to include them on my reports, which has negatively affected my ability to obtain credit, housing, and favorable interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX  data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: WI

Complaint narrative:
Velocity Investments LLC is claiming that I owe them {$4200.00}. I do not have any contractual obligations with this company as I have not done business with them. I have asked for a contract and/or Debt Validation letter. I have received nothing. It looks like they are attempting to sue me in court, for a second time, yet, for a second time- I have not been served.

Company response to consumer: Closed with explanation