vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: IN

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint regarding Chase Banks failure to honor a promotional cashback offer on my Chase Sapphire Preferred credit card. 

On XX/XX/year>, I activated an offer in the Chase app that promised 10 % cashback ( up to {$80.00} ) on purchases made at XXXX. Immediately after activating the offer, I booked a hotel through the XXXX website ( opened it using the link given in the offer on Chase ) using my Chase Sapphire Preferred card. The booking amount was {$660.00} USD, and I received the hotels confirmation email on XX/XX/year>, at XXXX PM CT. 

I checked into the hotel on XX/XX/year>, and extended my stay by XXXX additional night. This brought my total charges to {$830.00} USD, which was posted to my card on XX/XX/year>. Later, I received a refund of {$41.00} USD from XXXX for eligible taxes ( I was on a business trip ). 

After waiting more than a month without receiving the cashback, I contacted Chase customer service on XX/XX/year>. The representative informed me that I should have already received the cashback and escalated the issue. However, on XX/XX/year>, I received a letter from Chase stating : We are unable to issue a statement credit to your account due to the offer was activated after the charge was made. 

This explanation is factually incorrect. I clearly activated the offer on XX/XX/year>, before making the booking on XXXX. I explained this to customer service multiple times, but they repeatedly denied my claim, insisting that the offer was activated on XX/XX/year>. I even contacted the Chase Executive Office, but my call was abruptly disconnected, and I never received a follow-up. 

I am 100 % certain that : I activated the XXXX offer on XX/XX/year>, I accessed Marriott.com via the Chase link, and I completed my booking on the same day. 

Despite following the terms of the offer precisely, Chase has failed to provide the promised cashback and has mishandled my case. 

I kindly request your assistance in resolving this matter. 

Thank you for your time and support. 

I am open to providing my statements and, letter received from Chase if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: NC

Complaint narrative:
When I got in touch with the debt collector Oliphant I requested all documentation for the debt they said I owe and they failed to produce proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Company : Shellpoint Mortgage Servicing ( NewRez LLC ) Loan Number : XXXX Product : Mortgage Loan Servicing Issue : Failure to Timely Process Partial Release of Mortgage / Lack of Communication Complaint Narrative : I am the borrower on a mortgage serviced by Shellpoint Mortgage Servicing. I submitted a request for a Partial Release of Mortgage because I previously conveyed a subdivided parcel to a builder ( XXXX XXXX XXXX ). The builder has since constructed a home and is under contract to sell it.

Timeline of Events : XX/XX/year> I contacted Shellpoint requesting a partial release. Shellpoint responded the same day with a list of required documents. 

XX/XX/year> I submitted all requested documents within XXXX day. 

XXXX XXXX XXXX XXXX I followed up repeatedly by email and phone with no response. The sale was originally scheduled to close on XX/XX/year>, but Shellpoints inaction delayed it. 

XX/XX/year> After I threatened to file complaints with the CFPB and the XXXX XXXX XXXX XXXX  Shellpoint finally responded nearly 30 days after my original submission with an additional set of document requests. 

XX/XX/year> ( same day ) I promptly submitted all additional documents requested, including a survey, deed, legal description, builders sales contract, and draft release. 

XX/XX/year> ( today ) It has now been nearly XXXX weeks since my last submission, and I have received no response, acknowledgment, or timeline from Shellpoint. 

Harm : Shellpoints repeated lack of responsiveness and failure to process this routine partial release has delayed a legitimate closing, placed the buyers transaction at risk of cancellation, and caused significant financial harm to me and to third parties. 

I have always made my mortgage payments on time, and the partial release does not affect my repayment obligations. 

Requested Resolution : I request that the CFPB require Shellpoint to : Immediately confirm receipt and completeness of my submission, Assign a point of contact to this matter, and Expedite execution and recording of the Partial Release of Mortgage so the pending sale can proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: KY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2025 I received a subpoena from a lawyer notifying me that LVNV funding had issued a judgment & that if I did not comply it would result in my arrest and mandatory appearance in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 is a formal legal complaint against Equifax, Experian, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). My client, XXXX XXXX XXXX XXXX, is a documented victim of identity theft. Despite receiving her FTC Identity Theft Report ( # XXXX ), government-issued ID, and proof of address, the bureaus continue to willfully report fraudulent accounts and inquiries in violation of federal law. 

The following fraudulent accounts remain on file : XXXX XXXX XXXX {$160.00} ( Collection ) XXXX XXXX  {$990.00} ( Collection ) XXXX {$0.00} ( Unauthorized XXXX XXXX XXXX XXXX {$1500.00} ( Collection ) XXXX  {$0.00} ( XXXX ) XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$0.00} ( Unauthorized ) XXXX {$6500.00} ( Unauthorized ) Additionally, there are multiple unauthorized hard inquiries and false personal identifiers ( addresses, employment ) attached to her file.

Legal Basis : FCRA 605B ( 15 U.S.C. 1681c-2 ) : mandates blocking and deletion of identity theft data within 4 business days.

FCRA 611 ( 15 U.S.C. 1681i ) : prohibits reinvestigation delays once identity theft documentation is provided.

FCRA 616617 ( 15 U.S.C. 1681no ) : establish civil liability for willful and negligent noncompliance, including statutory damages, punitive damages, attorneys fees, and costs. 

The bureaus are already in violation of these provisions by continuing to report fraudulent information after proper notice.

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 2025-09-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A
) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery has failed to provide proper validation of an alleged debt they are attempting to collect from me. I requested verification, but they did not provide : A signed agreement bearing my signature showing I agreed to this debt. 

Proof of ownership or assignment that shows they have the legal right to collect. 

The original agreement with the full terms and conditions. 

Proof that this account is connected to my identity. 

Without these documents, they have not demonstrated that this debt is valid, that they have the legal right to collect it, or that it even belongs to me. 

I am requesting that Portfolio Recovery cease all collection efforts and remove any negative credit reporting related to this account until they can provide full validation. Their failure to do so is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit score is very important to me. However, I continue to see inaccurate and false information appearing on my report. This has been a recurring issue that has not been corrected despite my previous attempts to address it. The continued presence of these errors is both stressful and exhausting, and it is unfairly harming both my life and my credit standing.

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 2025-09-10 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: KY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: KY

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is reporting unauthorized inquiries, outdated personal identifiers, and unverifiable accounts on my consumer report. I have disputed these items directly with Equifax and requested validation from furnishers, but Equifax has not corrected or deleted the inaccurate information. 

Dates and XXXX XX/XX/XXXX : Unauthorized inquiry by XXXX XXXX 

XX/XX/XXXX : Unauthorized inquiry by XXXX XXXX XXXX. 

Ongoing : Equifax is reporting outdated addresses, prior employers, inactive phone numbers, and incorrect name variations. 

Multiple accounts listed on my Equifax report are inaccurate, unverifiable, and incomplete 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 XXXXXXXX XXXX never granted authorization for the listed inquiries. The personal identifiers are outdated and misleading, and the accounts remain unverifiable despite requests for documentation. 

Actions Taken Sent dispute letters to Equifax on XX/XX/XXXX demanding reinvestigation, deletion, and proof of verification procedures. 

Requested written authorizations and permissible purpose documentation for inquiries. 

Requested validation directly from furnishers, including chain of assignment and itemized accounting. No documentation has been produced. 

Laws and Regulations Violated XXXX conduct violates, among others : FCRA 1681i ( 611 ( a ) ( 1 ) ( A ) ) failure to reinvestigate disputed information.

FCRA 611 ( a ) ( 7 ) failure to provide verification procedure.

FCRA 1681e ( b ) failure to assure maximum possible accuracy.

FCRA 1681c ( a ) ( 4 ) reporting obsolete information.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) & ( b ).

FDCPA, 15 U.S.C. 1692g & 1692c. 

XXXX XXXX, 15 U.S.C. 1681b ( 2 ).

34 CFR 682.208 ( f ) ; FERPA.

15 U.S.C. 1681n & 1681o willful and negligent noncompliance. 

Desired Resolution Delete all unauthorized inquiries, inaccurate personal identifiers, and unverifiable accounts. 

Provide documentation of permissible purposes and written authorizations for each inquiry. 

Provide verification details, including names, addresses, and contact information of entities contacted during reinvestigation. 

Ensure compliance with FCRA, FDCPA, and related federal regulations. 

Attachment included with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief