vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: MS

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 explanation
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-28 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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 requesting the deletion of inaccurate and outdated personal identifiers that XXXX  is currently reporting. These items do not reflect my current information and must be removed under the FCRAs accuracy requirements. 
REMOVE THE FOLLOWING INCORRECT / OLD ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA Old variations of XXXX XXXX XXXX, XXXX XXXX, NJ REMOVE THE FOLLOWING INCORRECT / OLD EMPLOYERS : XXXX XXXX XXXX KEEP ONLY MY CURRENT INFORMATION : Current Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Please process this request and send me an updated copy of my XXXX  credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I am submitting this dispute for multiple accounts that have been inaccurately reported on my credit report. These accounts are being disputed for incorrect information regarding their charge-off status, inquiries, and late payments. Below are the accounts that require correction, separated by each credit bureau : Charged Off Accounts 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

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 2025-11-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ 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 2025-11-28 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:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
Urgent Complaint FCRA, FDCPA, Regulation F, and Florida Law Violations by XXXX Card Services To Whom It May Concern : I am submitting a formal complaint regarding the account XXXX XXXX XXXXXXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

TransUnion reports this account as XXXX XXXX XXXX  {$0.00} balance, sold/charged-off, closed XX/XX/year>. 

Experian reports this account as XXXX XXXX XXXX, {$430.00} charge-off, contradictory payment history, closed XX/XX/year>. 

These irreconcilable discrepancies constitute a willful violation of federal and Florida credit reporting laws. The account is being reported under multiple inconsistent identifiers, with contradictory balances, charge-off amounts, and payment histories, creating a false impression of multiple delinquencies and obscuring the identity of the original creditor. 

Legal Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to properly reinvestigate disputed information.

FDCPA 807, 809 ( b ) & Regulation F ( 12 CFR Part 1006 ) : Reporting unvalidated debt, misleading representations, and continued reporting without validation.

Florida Statutes 559.715 : Prohibits false, misleading, or deceptive representations in consumer collection. 

Impact : The conflicting reporting materially harms my credit, misrepresents payment history, and obscures the identity of the original creditor. The accounts status, balance, and charge-off amount can not be verified. 

Requested Actions : Delete the account from all credit reporting agencies due to unverifiable and conflicting information. 

Require XXXX XXXX XXXX to provide full, accurate written validation of the debt. 

Issue updated credit reports reflecting only verified, accurate information. 

Failure to comply constitutes ongoing violations of federal law and Florida consumer protections. Prompt enforcement is demanded. 

Respectfully, 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 2025-11-28 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: CA

Complaint narrative:
Issue : Rewards not honored / misleading or disappearing promotional offer What happened : I activated a Chase Offer on my Chase credit card for 5 % back at Dyson.com. I have a screenshot showing the offer was added, and the expiration date clearly stated XX/XX/year>. The screenshot is timestamped before my purchase. Today is XX/XX/year>, so the offer had not expired. 

I made a purchase on XXXX immediately after activating the offer. However, when the transaction posted, I only received the base 1.5 % cashback. 

When I called Chase, the first representative told me she could not see anything regarding the offer or my activation, and that the resources she could speak to also could not find any record. She told me the closest offer she could see was one that expired on XX/XX/XXXX, which is not the offer I activated and does not match my screenshot. 

I asked whether that meant the Chase app was showing incorrect or misleading information, and she replied that she could not help and repeated that she could not see anything on her side. 

This suggests that Chase is advertising offers in the app, allowing customers to activate them, and then the offers disappear from Chases system and representatives deny any record of them, even when the customer has timely proof. 

I escalated to a manager. He confirmed that he could see an offer existed but did NOT check whether I had activated it before the purchase. He submitted a general escalation, but framed the adjustment as a courtesy rather than acknowledging that my activation was valid and visible in my screenshot. 

I am requesting that Chase honor the activation and credit the correct cashback, and that the CFPB review why Chases systems can not locate activated offers even before their stated expiration dates. This appears misleading and harmful to consumers. 

I can provide the screenshot upon request. It shows the offer with expiration XX/XX/year>, and that it was added before my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, va XXXX XX/XX/year> LVNV Funding LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX RE : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : I am writing to notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally requesting that you cease all communication with me regarding the alleged debt you claim I owe. 

Please be advised of the following : 1. I do not consent to further contact from your company by phone, mail, email, text message, or any other form of communication.

2. You are required by law to stop contacting me except for the specific purposes allowed by the FDCPA, such as confirming that you are ending collection efforts or informing me of a specific legal action you intend to take.

3. Any further attempts to contact me outside of these exceptions will be considered harassment and a violation of federal law.

4. If you believe I owe this debt, you must provide proper written validation as required under 15 U.S.C. 1692g ( b ). Collection attempts without validation violate federal regulations.

If your agency fails to comply with this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I also reserve the right to pursue civil remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am getting extremely tired of submitting complaints but this is the only way to get Truist to do anything. I deposited a check on XX/XX/year>XXXX  ( well over 60 days ago ) and that check is still being held for " potential claims '' when Truist knows full well that the check is not going to be " claimed '' back by XXXX XXXX XXXX. 

On XXXX of this week XXXX XXXX submitted the notarized form that Truist requested. We took it to the bank. We have not heard one word from Truist on when we can go to the branch and pick up OUR money. I called and was told " the check is being held for potential claim back ''. 

How is this legal? Why is nobody investigating Truist and their practices? There are THOUSANDS of people that Truist does this same kind of thing to and that's not OK.

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 2025-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: MO

Complaint narrative:
My problem is with Chime financialXXXX XXXX. I had 2 charges come thru. XXXX and XXXX they had also charged my XXXX account XXXX. XXXX refunded my money but sent it to my chime account because I had them linked. Still have not received that either. Couldn't get merchant help because there is no such merchant. I call chime. The cust. Service rep was terrible. I didn't get his name, I recorded the last half of the conversation where he told me he would not transfer me to a supervisor, nor would he help me with my dispute. He says I have a subscription with these people. I said no I don't. He pretty much says too bad. I can't have a subscription with people who don't exist. I have tried the merchant way to no avail, because they do not exist. I have a dispute going now with the same kind of site and it was filed XXXX XXXX Still nothing. My resolution at this point is I want all my money back. All the disputes add up to XXXX. I would like it added Immediatly to my card so I can close out chime. The nonsense is incredible. I can not upload the recording for some reason. The man said he would not help me. He was talking to me in a manner I do not allow. Letting me know this was my fault and it's too bad I sat up a subscription that's when I told him to get me a supervisor. He said no. More than once. He was definitely of the foreign persuasion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Contacted XXXXXXXX XXXX in XXXX about a late fee and interest charged on an account that did not have a balance due. Csr issued a {$30.00} credit to account that it not reflected on account. I was told remaining interest made on a purchase earlier in the year still remained of {$60.00} more or less. I made a payment of {$64.00} dollars on XX/XX/year>. In the same month was charged a late and interest and have a payment due of {$37.00} on a balance of {$43.00}, which is late fee and interest on a XXXX balance card total on a {$100.00} credit limit. Im being charged interest on late fees on a card with XXXX balance to repay. Since my call to XXXX XXXX they have taken away the {$100.00} credit limit, but continue to charge late fee and interest on late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
A few months ago, my home loan was transferred to CMG Home Loans which is a division of the previous holder of my loan. I have always made my payments on time, electronically through my bank. I have made the payment on the first or last day of the previous month. Prior to the loan transferring, the payment would be credited by the fifth of the month. After the loan was transferred, I received a late payment notice, even though I made the payment on time. When I called CMG, they told me it was an issue with my bank. I called my bank who said the mortgage company did not accept electronic payment so they had to mail a physical check. This should take no more than 7 business days. So, I called CMG back and they admitted they can not accept electronic payment. I asked them why as they took over loans they weren't prepared to process. I asked them why it was taking them over two weeks to credit a mailed in payment and they have no explanation. The bank mailed my XXXX payment during the last week of XXXX and still it was not credited by the company until XX/XX/year> which is technically late. CMG says they are not charging late fees and want me to make the payment by phone. This is unacceptable. This is a scam that they are not crediting my payment in a timely manner.

Company response to consumer: Closed with explanation