vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

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 2025-12-15 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: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My son received an American Express gift card for {$500.00} as a gift for his birthday from his uncle. He used about {$80.00} of it and was saving the rest for a XXXX set. He finally decided to use it but wanted to check his balance and went to look up his balance. On the back of the card he was told he could check his balance online at the following website - XXXX He thought he went to the correct website but may have used something similar instead that probably popped up as he was typing the website. It didnt seem to work so he tried again this time using the correct website where he saw XXXX charges were pending that he did not authorize. The charges were all by XXXX XXXX XXXX XXXX charges were for {$80.00}, and XXXX charge was for {$99.00}, totaling {$410.00}. This all happened on XX/XX/XXXX. We immediately called American Express within maybe XXXX minutes of this happening and reported the theft and asked that the charges be stopped but the representative said they can not stop the charges and that we have to wait to make a claim when the charges are processed. We also called XXXX XXXX XXXX a company we learned was in Virginia. We are in New York. XXXX XXXX XXXX told us they didnt receive anything from American Express and that this was the second call they received about the same issue. American Express denied our claim and is not returning the funds to us- they only returned {$.00} balance that was on the card. Eventually XXXX sports told us that they got at least XXXX calls similar to ours and that someone was impersonating their company. We told this to Amex but they stopped responding to our inquiries. Attaching all emails from and to Amex about this as well as screenshot of the charges. We spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We spoke to Amex on XX/XX/year>, XXXX, and emailed many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
Could you review this entry? It seems late and might be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
XXXX, a highly advertised health tools company on XXXX, running XXXX  of dollars in XXXX  ads, overbilled me $ XXXX dollars for an order that I did NOT consent to. 

I have been in communication with XXXX via email for weeks. 

XXXX claims : XXXX. They cancelled the order. 
XXXX. They never shipped any goods to my residence. 
XXXX. They issued a refund for the un-authorized purchase to my Milestone Credit Card.

However the FUNDS have NOT been returned. 

It is obvious that XXXX company is lying. 

I have filed complaints with Milestone Credit Card, and they have NOT put my funds back. 

I am a victim of the crimes of fraud and theft. 

My credti card is supposed to protect me from these things. 

Why are they not putting my money back?! 
$ XXXX is a lot of money!!! 

I have ALL of my emails, with date and time stamps, and ALL of my credit card statement for proof, saved in my email account, and in my credit card user portal. 

BOTH of these companies need to be investigated! 

BELOW I HAVE ATTACHED XXXX SCREEN SHOTS : XXXX. EMAIL FROM XXXX STATING THAT THEY HAVE ALREADY SENT THE REFUND TO MILESTONE CC, AND THAT IF IT IS NOT SHOWING UP IN MY ACCOUNT, THEN IT IS THE FAULT OF MILESTONE CC. THIS WAS DONE WEEKS AGO. IT SHOULD BE SHOWING UP. SOMEONE IS LYING : EITHER MILESTONE CC OR XXXX!!! 
XXXX. EMAIL I SENT, AGAIN, PROBABLY THE XXXX XXXX, THIS XXXX, XXXX, ASKING XXXX WHERE MY MONEY IS IT. 

NOTE : ON FRIDAY, AND POSSIBLY ALSO SATURDAY, I CALLED MILESTONE CC ASKING WHERE MY MONEY IS. THEY CLAIM THEY HAVE NOT RECEIVED ANYTHING FROM XXXX, AND THE XXXX IS LYING TO ME. THEY CLAIM THAT THEY, MILESTONE CC, ARE GOING TO TAKE 4 MONTHS TO REVIEW THE MATTER!!! ARE YOU KIDDING ME?!?!?! I HAVE PROVIDED THEM PROOF OF EVERYTHING DONE. WHAT REASON DO THEY HAVE TO DELAY 4 MONTHS?!?!?! 

ADDTIONALLY, WHEN I OPENED THIS CC, THEIR AD ON XXXX  SAID THAT THERE WOULD BE no HARD CREDIT HIT. WELL, GUESS WHAT I GOT? A HARD CREDIT HIT, WHICH WILL HARM MY CREDIT SCORE FOR THE NEXT 13 MONTHS, AT LEAST, BY APPROXIMATELY XXXX POINTS. 

ADDITIONALLY, EVERY DAY THAT THIS MASSIVE FRAUDULENT BALANCE IS ON MY CREDIT REPORTS, THAT WILL DECREASE MY SCORE BY AN ADDITIONAL XXXX POINTS, BECAUSE IT IS FRAUDULENTLY SHOWING A HIGHER BALANCE THAT WHAT SHOULD BE ON THE CARD AT ALL ; THIS HARMS MY DEBT TO AVAILABLE CREDT AND DEBT TO INCOME RATIOS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$16000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX - XX/XX/year>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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
On about XX/XX/XXXX I noticed an unauthorized charge on my apple credit card by Goldman Sachs for {$100.00} for peacock premium. I reported as a fraudulent charge. I showed screenshots that my account was being handled by XXXX XXXX. The representative then steered me to make a report under account being billed by another form of payment I agreed but during the entire process I reminded them I did not authorize the charge and it was fraudulent. Now today XX/XX/XXXX XXXX notified that the company will honor the charge and Im liable to pay for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Frankly, Experian is infringing upon my copyright and trademark by unjust enrichment, fraud, failing to report to the Internal revenue service all of the wherewithal they are securitizing and profiteering from my intellectual property ; i am the executor of my XXXX XXXX XXXX, Estate and demand the accounting of experian and all of the illegal securitization they have flourish within via my brand.Experian pooled my credit data without my consent, created a stock portfolio, sold my data to banks, lenders, insurance companies, hedge funds, advertisers, et cetera ; meanwhile, i was never reimbursed financial compensation and presumed merely to be a debtor ; in accordance to the fair credit reporting act, trust law, equity law, and the privacy act, by any means necessary, i demand nimbly full accounting of all the revenue generated from my private property and complete reimbursement, within ( 7 ) business days and reciprocal uncovery, of my credit data and personal information, et cetera that experian securitized, shipped and/or sent to my office, effective immediately. if experian does not concur within the time allotted, i will REPORT thoroughly and nimbly everything that is going on with my property and accounting to the IRS, and all of their subsidiaries, in the spirit of XXXX XXXX of 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 2025-12-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I was issued a pre paid gift card through a company called black hawk network. This was part of a rebate for appliances I bought. The card was never sent to me by mail as it was supposed to, so I requested a virtual card. They sent me the virtual card with no card terms and conditions in terms of expiration date, and an agent never told me that the card would expire. It is for {$400.00}. I tried to redeem the card funds over The Weeknd and got a notice the card expired. I called customer service and a representative said rest assured they can reload my funds since it hasnt been used yet. This morning I got an email saying they will not be reloading the funds because the card expired XX/XX/year>. This is opposite of what I was told on the phone and is fraudulent since I never got a copy of the cards terms. I feel I was jipped out of my {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-12-15 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 have no association with these accounts and request their removal within the 15-day period under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago.

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Statebridge Company
State: MD

Complaint narrative:
I am submitting this complaint regarding ongoing servicing misconduct and lack of authority by my mortgage servicer. 

On or about XX/XX/year>, I sent a written demand requesting proof of ownership and authority to enforce the promissory note and deed of trust, including the original promissory note, complete chain of endorsements, any allonge, proof of possession, and transfer or assignment documentation. 

On XX/XX/year>, the servicer responded. However, the documents provided were incomplete and defective. The response did not include a complete chain of endorsements from the original lender, did not demonstrate lawful transfer of the note, did not provide proof of possession of the original promissory note, and did not include valid bills of sale or transfer agreements establishing standing to collect or foreclose. 

Despite these deficiencies, the servicer has continued collection and servicing activity and recently attempted telephone contact through its loss mitigation department. This occurred while the debt and standing remain formally disputed and unresolved. 

On XX/XX/year>, I sent a written cease-and-desist and challenge to standing directing that all communications be in writing only and reiterating that the servicer lacks authority to enforce the loan based on its own documentation. 

The servicers failure to provide competent proof of standing, combined with continued collection and loss mitigation contact, constitutes servicing misconduct, misrepresentation of authority, and improper handling of a disputed mortgage loan. 

I am requesting that the CFPB review this matter, require the servicer to cease unlawful collection activity, and compel corrective action consistent with federal servicing requirements.

Company response to consumer: Closed with explanation