vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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 am submitting this complaint regarding a Basic Economy domestic ticket I purchased through the Chase Travel Portal for travel on XXXX XXXX XXXX XXXX XXXX As an XXXX  member, I aXXXX XXXX XXXX XXXX XXXX published policy-to cancel the ticket and receive a travel credit, minus a cancellation fee. 
However, both Chase and XXXX XXXX have refused to process the cancellation or issue the credit. The ticket is now entirely forfeited, and I have received no compensation, despite being eligible under XXXX XXXX own fare rules. This outcome is unacceptable and was not clearly disclosed at the time of booking. 
I contacted Chase Travel multiple times on XX/XX/year> and spoke with XXXX separate representatives ( XXXX travel agents and XXXX benefits agent ). I was repeatedly told that, because the booking was made through the Chase Travel Portal, XXXX XXXX XXXX XXXX cancellation and refund policies do not apply. Chase also admitted they do not have a policy in place to facilitate refunds in this scenario. As a result, I was sold a ticket under terms that are not being honored-and the booking channel itself is now blocking me from receiving the credit I'm entitled to. 
During my final call with Chase, the agent ( who confirmed all calls are recorded ) stated she had spoken to an XXXX XXXX representative named XXXX. According to her, XXXX  would process the refund if I canceled directly through XXXX XXXX. However, this contradicts what I was told by all three prior Chase agents, who insisted that XXXX  would not issue a refund, and Chase could not assist since the booking wasn't made directly through the airline. 
After this, I contacted XXXX XXXX directly. I was again told that Chase must handle the cancellation, and XXXX  would not process the refund or travel credit. This inconsistency between Chase and XXXX  's responses is not only deeply frustrating-it highlights a critical transparency gap that misled me as a consumer. 
XXXX XXXX ' website clearly states, " XXXX  members traveling within the XXXX can cancel for travel credit, less a Basic Economy cancellation fee, '' even for Basic Economy fares. Yet, because the ticket was booked through Chase, this published right has been denied to me without proper warning. 
Neither Chase nor XXXX XXXX is taking responsibility for this gap in policy enforcement. I was never informed that booking through Chase Travel would nullify XXXX XXXX XXXXXXXX XXXX cancellation policy for XXXX  members. This lack of disclosure is misleading and has caused a direct financial loss. 
I am seeking a full recovery of the ticket value in the form of a travel credit, as per XXXX XXXX ' stated policy for XXXX  members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 always taken pride in maintaining a responsible and honest financial record. Upon reviewing my credit report, I was shocked to discover an account that is completely unfamiliar to me. I can confirm that I have never opened or authorized this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: VA

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 2025-08-04 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: VA

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 2025-08-04 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Triad Financial Services regarding serious concerns with the management of my mortgage account.

Despite my mortgage including an escrow account specifically for the purpose of covering property and county taxes, Triad Financial Services has failed to make timely payments on my behalf. This negligence has resulted in unnecessary stress and penalties from my local tax authorities, something that should never occur when escrow funds are being collected and held for this exact reason.

In addition, I have attempted multiple times to work with Triad Financial Services regarding the due date of my monthly mortgage payment. While my payments have been made consistently every month, I have been met with inflexibility and lack of cooperation. I am not requesting to miss payments, only to adjust the timing in a reasonable manner that still ensures full payment each month.

I find it unacceptable that a financial institution responsible for managing a legally binding agreement would show such disregard for its responsibilities and its customers. I am requesting an immediate investigation into : Why my escrow funds are not being applied to pay my property and county taxes in a timely manner.

Why Triad Financial Services refuses to work with me on adjusting my payment date, despite my on-time monthly payments.

If this issue is not resolved promptly and fairly, I will be forced to escalate the matter to regulatory bodies including the CFPB and potentially pursue legal counsel. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/year>25, I applied for the {$200.00} sign-up offer for a Netspend checking account and debit card. I have met all the terms of the sign-up offer, including a {$400.00} direct deposit as well as debit card activation. The company is asking for email confirmation of the offer, but it was never sent to anybody. They are trying to escape paying the {$200.00} bonus. I have a screenshot of the landing page that I applied from. Multiple secure messages were sent to customer service and they continue to decline that the bonus ever existed, which is false.

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 2025-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I am filing a complaint against Planet Home Lending regarding a XXXX mortgage loan on my late fathers home. After his death, I began making monthly payments and was trying to work with the servicer in good faith. However, they eventually stopped accepting payments without clear explanation. I was recently told I must now pay the full balance of ~ {$94000.00} to avoid foreclosure, despite the actual past-due balance being closer to {$45000.00}. 

They also claimed they sent me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I never received any notice, email, or document about this offer. My siblings and I live in the home and have been doing everything possible to provide documentation ( including the death certificate and affidavit of heirship ). I am being denied repayment or loss mitigation options, and they are moving forward with foreclosure unfairly. 

This process has been rushed, opaque, and deeply concerning. I am requesting the CFPB investigate whether Planet Home Lending violated servicing standards, failed to communicate properly, or mishandled XXXX VA loan with a surviving family member trying to assume the loan or resolve it responsibly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MS

Complaint narrative:
I paid for an eviction removal and credit repair agency to help me get back on my feet after being homeless. I paid {$690.00} for the service on XXXX XXXX XXXX The service was advertised to be completed in 90-120 days. It was advertised that the merchant would contact me every two weeks with status updates. That has not happened once. As of today, ( XXXX XXXX XXXX ) it has been 6 months and I still have not received the service I've paid for. I have contacted the merchant numerous times, and each time they make an excuse as to why the service isn't done, or they dont reply at all. I have received no proof that any progress has been made at all. When I call the merchant, it always goes straight to voicemail. The merchant has asked me to " stop calling out of the blue, '' even though I only call 1-2 times a week within business hours. I am only trying to receive the service I paid for. I asked the merchant if I could receive a date at which the service may be completed, and I have asked if they need more time to complete the service, at which I was ignored. I have asked for a refund and was denied. I disputed this transaction with my bank on XXXX XXXX XXXX and on XXXX XXXX XXXX my bank sided with the merchant, claiming that the service was delivered to me, when it was not. On XXXX XXXX XXXX I appealed the dispute decision. I provided documented proof of my conversations with the merchant, showing that they have deliberately ignored me. My bank rejected my appeal, quoting " there was no error in this instance, and the goods or services were properly rendered to you. '' This is 100 % inaccurate. Im unable to get into contact with a real human at my bank regarding this dispute. I am willing to take this matter to the police and even to court if I can not settle the issue with the merchant and/ or the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 recently discovered a late payment listed on my credit report which I believe may be an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Ive always made payments on time, so the late mark is surprising. Please address this issue.

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 2025-08-04 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: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
Mid Atlantic Finance Company is reporting an account ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reports as a repossession, even though they no longer own or service the account.

In response to a previous CFPB complaint, Mid Atlantic acknowledged that the account was repurchased by the original dealership in XX/XX/XXXX. This confirms they are not the current owner or servicer and therefore have no legal authority under the Fair Credit Reporting Act ( FCRA ) to furnish or update this account. 

Despite this, they continue reporting the tradeline as a repossession. I contacted them directly, and on XX/XX/XXXX, XXXX XXXX, their Compliance Specialist, responded via email and stated my claims were false and that their reporting complies with the XXXX guidelines issued by the XXXX. However, these are not laws, and the FCRA overrides any internal industry guidelines. 

According to the FCRA : 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) prohibits a company from reporting inaccurate or unauthorized information.

15 U.S.C. 1681c ( a ) ( 4 ) allows only the current owner or servicer to furnish data on charged-off accounts.

15 U.S.C. 1681s-2 ( a ) ( 2 ) requires a data furnisher to stop reporting once an account has changed hands.

Section 607 ( b ) prohibits reporting misleading or incomplete information. 

Even with written acknowledgment from XX/XX/XXXX, that they no longer own or service the account, Mid Atlantic has refused to delete the tradeline. This is a direct and willful violation of the FCRA.

This account is continuing to harm my credit and is currently preventing me from qualifying for a vehicle loan. I am requesting urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I dispute these fraudulently established accounts and ask for their prompt removal in accordance with USC 1681g.

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 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
XXXX'I received emails from Columbia Debt Recovery LLC regarding a debt from the apartment complex XXXX XXXX in XXXX XXXX XXXXXXXX XXXXOriginal Creditor: XXXX XXXXPlaced for collections on: XXXXOriginal Principal:XXXX XXXXCurrent Principal:XXXX XXXXInterest Due:XXXX XXXXOther Amount Due:XXXX XXXXTotal Due:\XXXX XXXXFirstly, the reason we moved out was a self-eviction due to summer months without A/C and a neighbor who was harassing our kids and making violent threats along with a long time infestation of roaches and no washer dryer amenities. This was in violation of the lease by the leasing office as they did provide a safe livable environment so we left. Then the landlord made unreasonable charges to our account and sent those charges to the debt collector. We are currently in a legal civil suit with the landlord over the amount. As such the collection is incorrect and possibly invalid. \XXXX XXXX XXXX XXXX XXXX XXXX XXXXColumbia Debt Recovery LLC- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
Company sold my personal information and my Identity information and have created a financial hinderance and has stop me from being able to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a credit monitoring alert to advise me that XXXX XXXX had pulled my credit ( a hard credit pull ) on XX/XX/scrub> 2025, which caused my score to go down. Hard inquiries are generated when there is a new request for credit except I have NOT applied for credit with XXXX XXXX.I do have an old XXXX charge account, at a XXXX balance, that I rarely use. XXXX recently sold these accounts to XXXX XXXX. This decision to sell my account or account information, was NOT my decision. Nonetheless, the account was sold and since then, XXXX XXXX has made an inquiry that I did not authorize. They have been unable to provide me any information. I tried to dispute this hard inquiry with the credit agencies, and unfortunately due to my hyphenated last name & a recent change of address, it's proven to be incredibly difficult to access my account online to complete the disputes successfully. XXXX  also advised that the ONLY WAY I can dispute a hard inquiry is to file a complaint with CFPB, and send a paper copy of this dispute BY MAIL ... exacerbating an already frustrating experience. I was able to submit a dispute with XXXX  digitally ( after hours of troubleshooting login issues ). I have ATTEMPTED to dispute this unauthorized inquiry with EXPERIAN online, and have been unable to dispute digitally. ANY HELP CFPB can offer here with this, would be greatly appreciated.

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