vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was reviewing my consumer credit report and I saw many queries that I did not recognize and that I never carried out and were made withoud my authorization and I attach a list of them - XXXX XXXX XXXX XXXX, dateXXXXXXXX -XXXX XXXX XXXX, dateXXXX - XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX XXXX dateXXXX -nXXXX XXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX date1XXXX XXXX XXXX dateXXXXXXXX XXXXXXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX XXXX date0XXXX5 XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX XXXX, dateXXXX XXXX XXXX XXXX XXXX date XXXX  XXXX , date XXXX XXXX date XXXX  XXXX date XXXX XXXXXXXX XXXX, date XXXX XXXXXXXXXXXX data XXXX XXXX XXXX date XXXX XXXX XXXX  date XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I was reviewing my consumer credit report and I saw many queries that I did not recognize and that I never carried out and were made withoud my authorization and I attach a list of them - XXXX XXXX XXXX XXXX, dateXXXXXXXX -XXXX XXXX XXXX, dateXXXX - XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX XXXX dateXXXX -nXXXX XXXX XXXX XXXX dateXXXXXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX date1XXXX XXXX XXXX dateXXXXXXXX XXXXXXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX XXXX date0XXXX5 XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXXXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX dateXXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX XXXX XXXX XXXX XXXX dateXXXX  XXXX XXXX XXXX XXXX, dateXXXX XXXX XXXX XXXX XXXX date XXXX  XXXX , date XXXX XXXX date XXXX  XXXX date XXXX XXXXXXXX XXXX, date XXXX XXXXXXXXXXXX data XXXX XXXX XXXX date XXXX XXXX XXXX  date XXXXXX/XX/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 2025-05-18 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: NC

Complaint narrative:
I applied for a Chase Sapphire card on XX/XX/scrub> 2025. They had an offer for a XXXX sign up bonus for the credit card if you spend {$5000.00} amount within 4 months. I quickly recieved the approval in an email. When I got the approval online, I saw there was no Sign-up-bonus ( SUB ) on my account. I called the customer rep at Chase to understand why, and I was informed I was approved for the account, but I WAS NOT eligible for the sign up bonus. And that I was to get a letter in the mail from their credit analyst that showed why I was not approved. 

The SUB was the entire point of me applying. The customer rep suggested I 'reject ' the card and close the account. I thought this was a way to avoid the account from being open and hurting my credit score. So now I see my credit score dropped from around XXXX points, to XXXX due to this account closing. 

I called back today, XX/XX/year>2025 and the new customer rep is informing me I WAS approved for the card and the SUB. I shared that I called when my account was opened and now there's nothing they can do since it was after 30 days. I escalated to the supervisor who shared there was nothing Chase could do and now the XXXX SUB isn't available anymore. The superivsor informed me there might have been some confusion with the service reps because they just started approving cards for folks who weren't eligible for the SUB. 

This seems like an error on Chase 's end, that I am taking the hit on. I was told incorrect information which is now hurting my financial credit and health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/year>, I made XXXX purchases on XXXX totaling {$2900.00} ( three for {$890.00} and one for {$290.00} ) with a citibank credit card ( i have been a cutomer for 7 years now, witth zero complaints or chargebacks.. These purchases were made in good faith, based on the companys clearly advertised promise that Sweeps Coins could be redeemed for cash prizes upon meeting specific requirements. On XX/XX/year>, I submitted a redemption request for {$3200.00} after fulfilling all terms, including identity verification and playthrough requirements. However, on XX/XX/year>, XXXX abruptly shut down its sweepstakes program, revoked all user balances, and disconnected all support channelseffectively " rug-pulling '' users and leaving my withdrawal unprocessed. 

I immediately filed a dispute with Citi on XX/XX/XXXX, XXXX same day the platform revoked redemptions. Despite presenting clear documentationincluding prior terms of service that confirm Sweeps Coins were redeemableCiti ruled in favor of the merchant on XX/XX/XXXX. Since then, I have submitted multiple follow-up emails with additional evidence directly to Citis billing disputes department, yet they continue to claim they can not accept my emails and even have requested that I fax materialssomething I am unable to do. The instructions tthat do not work yet have a timeline attached have made the process needlessly difficult and opaque. when i have spoken to the costumer service theytold me to just email again,. and a week later said the same thing. 

To support this complaint, I have included an extensive written breakdown along with supporting documentationsuch as screenshots of original terms, email confirmations, redemption requests, and communication historyin the attached documents section. These materials also document my repeated, good-faith attempts to challenge Citis ruling, all of which have been either ignored or dismissed due to their refusal to properly receive email submissions, which I have summited to the letter of their request. I am now reaching out to the CFPB to report XXXX  fraudulent conduct and to seek assistance in recovering the nearly {$3000.00} XXXX lost due to their deceptive business practices and Citis failure to fulfill its duty to protect consumers.

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 2025-05-18 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:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XXXX Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear EXPERIAN I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX 3. copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The account in question are : 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 UNAUTHORIZED INQUIRY XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern : RE : Formal Dispute and Debt Validation Request Account # XXXXXXXX XXXX This letter serves as a formal dispute and demand for full debt validation concerning the above-referenced account, currently being reported by MOHELA and previously serviced by XXXX XXXX XXXX 

According to my records and credit report, this account was originated around XXXX and subsequently transferred to MOHELA approximately five years ago. I am disputing the accuracy and validity of this account as reported, and I have reason to believe that the loan may have been transferred improperly, with an incorrect balance and without sufficient documentation.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report accurate and complete information. Furthermore, upon notification of a dispute by a consumer, the furnisher is obligated under 15 U.S. Code 1681s-2 ( b ) to : - Conduct a reasonable investigation of the disputed information ; - Review all relevant information provided by the consumer ; - Report the results of the investigation to the consumer reporting agencies ; - Correct or delete any information found to be inaccurate or unverifiable. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), once a debt is disputed in writing, the debt collector must cease collection efforts until the debt is validated. I hereby request that you provide the following documentation : 1. A copy of the original promissory note or Master Promissory Note ( MPN ) bearing my signature ; 2. A complete accounting of the loan, including principal, interest, and any fees assessed ; 3. Evidence of the lawful transfer or assignment of the loan from XXXX XXXX to MOHELA, including notices sent to me ; 4. Written verification that the balance reported is accurate and legally enforceable.

Until such time as full validation is provided, I request that this account be marked in dispute on all consumer reports under the requirements of 15 U.S. Code 1681i ( a ) ( 3 ). Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education.

Please respond to this request in writing within 30 days of receipt, and include all documentation substantiating your claim to this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
This account showing as owned by XXXX XXXX was settled at the XXXX XXXX XXXX and paid as agreed. I will provide the court documents, the settled paperwork and the judgement has been satisfied. I do not owe the about claimed by XXXX XXXX. I addition I for a letter that they sold the about they state I owe to a third party. According to the courts the account is now paid and satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This account showing as owned by XXXX XXXX was settled at the XXXX XXXX XXXX and paid as agreed. I will provide the court documents, the settled paperwork and the judgement has been satisfied. I do not owe the about claimed by XXXX XXXX. I addition I for a letter that they sold the about they state I owe to a third party. According to the courts the account is now paid and satisfied.

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 2025-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX, SC XXXX Subject : Debt Validation Request Request for Assignment Contract To Whom It May Concern, I am writing in response to a collection notice received from your company, or in relation to an account you claim I owe. This letter is a formal request for validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : 1. Validation of the debt, including the amount of the alleged debt and a breakdown of all fees and interest.

2. The name and address of the original creditor, and the original account number associated with the debt.

3. A copy of the original signed contract or agreement that legally obligates me to the alleged debt.

4. A complete chain of title for the debt, including : The assignment or transfer agreement from the original creditor to LVNV Funding LLC. 

Any other documentation showing LVNV Fundings legal authority to collect this debt. 




Until this information is provided, I will consider this matter to be in dispute, and I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 

Please note that any attempt to collect on this account without proper validation may be a violation of the FDCPA and other applicable laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Blackhawk Network Holdings Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2025, I placed an order through XXXX for a {$250.00} Visa Virtual Gift Card. The total charge was {$250.00}, including a {$5.00} fee. I received an email confirming my order and providing an invoice, but I never received the actual eGift cardno card number, no redemption link, and no delivery to my email. 

XXXX  stated that most cards are delivered within 15 minutes to 24 hours. I waited well beyond that time frame, refreshed my inbox, checked spam, and followed up through their support form. I never received a response. I also called their automated phone line, but was disconnected with no way to speak to a live agent. 

As of now, I have paid in full, received only a receipt, and have no access to the product. This is a failure to deliver digital goods and has caused financial and time loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-18 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 writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following account. 
Bankruptcy XXXX XXXX Docket # 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 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding an outdated account that Equifax continues to report on my credit file. The account in question is an installment loan from XXXX XXXX XXXX XXXX ( Partial Account # : XXXX ). 

This account is over 7 years old and should have been removed under the Fair Credit Reporting Act ( FCRA ) Section 605 ( a ), which requires most negative credit information to be removed after 7 years from the date of first delinquency. 

Both XXXX and XXXX have already removed this account from my credit reports after determining it qualifies as obsolete. However, Equifax has refused to remove it, despite my written disputes and supporting documentation. 

This continued reporting is inaccurate, inconsistent, and is negatively affecting my credit profile. I am requesting that the CFPB review this issue and require Equifax to remove the account in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: IA

Complaint narrative:
I am reporting XXXX XXXX XXXX for continuing to report a fraudulent collection account on my credit report from XXXX XXXX XXXX. in the amount of {$620.00}. 
I disputed this account in writing multiple times at this point, and have provided an Identity Theft Report along with all required documentation. XXXX XXXX has failed to validate the debt or remove the account. 
They are in violation of the FDCPA and FCRA, including Section 605B. I am requesting immediate removal of the account and investigation of this matter.

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 2025-05-18 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: IA

Complaint narrative:
I am reporting XXXX XXXX XXXX for continuing to report a fraudulent collection account on my credit report from XXXX XXXX XXXX. in the amount of {$620.00}. 
I disputed this account in writing multiple times at this point, and have provided an Identity Theft Report along with all required documentation. XXXX XXXX has failed to validate the debt or remove the account. 
They are in violation of the FDCPA and FCRA, including Section 605B. I am requesting immediate removal of the account and investigation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center, XXXX XXXX XXXX XXXXXXXX XXXX Subject : Dispute of Inaccurate Collection Reporting ( XXXX XXXX XXXX ) Dear ( Transunion ), I am disputing XXXX XXXX XXXX on my credit report due to non-compliance with Metro 2 Standards. 
This account is inaccurately reported as " open '' Under the Fair Credit Reporting Act ( FCRA ), all data must be accurate and verifiable.I request you : ( 1 ) Verfify the accounts accuracy and Metro 2 compliance. 
( 2 ) Remove the account if it can not be verified. 

Last four of social XXXX driver license number XXXX Please respond with the results within 30 days Sincerly, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief