vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I requested an additional card to add someone to my account. I was charged {$190.00} for this card. I never received, activated, or used this card. American Express is demanding I pay {$190.00} for an additional user that never recieved a card. AmEx claims that I am beyond the 30 day refund window. A refund window should not apply as this card was never received nor any benefit received for the proposed additional cardholder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
This complaint concerns improper repossession, account closure, auction routing, unauthorized third-party payments, undisclosed remediation conducted during an active CFPB investigation, and resulting credit and personal harm. 

All facts, dates, sequence of events, certified-mail notice, and non-consent to off-record remediation are fully detailed in the attached document, which is incorporated by reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-27 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: NJ

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Global Credit & Collection Corporation
State: TN

Complaint narrative:
I owe XXXX XXXX a loan. I forgot about the loan and it went into collection. A guy from an unknown number at first kept calling me. He said his name was XXXX XXXX, and was vague about what agency he's with and he said I had to call XXXX to rectify a collection or else he would submit my documents to the court of my county and I would be found by him and brought to court. I called the county court to make sure if it was true or not, and the said the had no reference number of me in the system. I called the number and they told me that the line was recorded. It was called Global XXXX, and that they were National.They told me that I owed a debt from XXXX XXXX, and they all of my info. They proceeded to go through the steps of me making payments back so I wouldn't be processed through the court. I made the first payment on XX/XX/XXXX for the amount of $ XXXX had to make payments every Friday for a payment of {$91.00} until XXXX of XXXX. They gave me a claim # XXXX. Every once in a while if the payments doesn't go through on time XXXX XXXX calls me with the same message, but recently he calls me from a local number that I can't call back, and he leaves voicemails. As of XX/XX/XXXX he left a voicemail to call Global XXXX. I called them and it kept giving me different voicemail answers as if it's a fake number. I did some more research and I saw that other people have had the same type of issues that were later called scam tactics from Global XXXX. I have not found many information on this company. Every time I ask for a conformation number when I pay, they always give it over the phone. Never received an email or mail about this company. My credit reports that XXXX XXXX Collector has my collection from XXXX XXXX not Global XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I was cond into getting solar and panels where damaged and company out of business! Never received discount and no contact with the company! XXXX XXXX and the financing was good leap!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Illinois, claim that I received counseling for XXXX in XXXX, XXXX. I did not. I could have used the XXXX XXXX nearby, but chose to try XXXX XXXX XXXXXXXX, since I am XXXX and did not want to drive much distance. I went to their office in XXXX exactly one time and had to wait for XXXX minutes because the counselor was late. We didn't talk even 10 minutes. I showed up 2 more times that XXXX and each time the counselor texted me that she could make it. Those missed appointments used several hours of my valuable time. Furthermore, I didn't get any bill until I got the collection notice in XXXX, XXXX, when the supposed service was given in XXXX, XXXX. I didn't receive even ONE billing notice, which as in error anyway. 
The collection service CPI, in XXXX, Illinois, is unreachable. All they did was send me a copy of the bill from XXXX, without any proof of service. I have been unable to reach either business.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding Chase Banks handling of a debit card dispute involving a canceled merchant transaction for which I never received a refund. 

On XX/XX/XXXX, I placed an online order with XXXX XXXX XXXX for five items ( three pairs of shoes and two sweatpants ) using my Chase debit card. The total amount was charged to my account at the time of purchase. 

Later that same day, XXXX XXXX XXXX canceled the entire order due to internal verification issues. I received confirmation that the order was canceled and no items were shipped or received.

Despite the order being canceled, the charge never reversed or disappeared from my bank account. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX customer service to request a refund. I was explicitly told by their representative that XXXX XXXX XXXX would not issue a refund and that I would need to resolve the issue through my bank. I have screenshots of this conversation.

Following this, I submitted a dispute with Chase Bank, providing : Proof that the order was canceled A copy of the cancellation email Screenshots of XXXX XXXX XXXX customer service stating they would not refund me An explanation that this was not an unauthorized transaction, but rather a canceled transaction with no refund issued Despite this, Chase denied my dispute, stating that the transaction was authorized and therefore not eligible for a refund. This reasoning is incorrect and does not address the actual issue. I never claimed the transaction was unauthorized. My dispute was based on non-receipt of goods and failure to receive a refund after merchant cancellation.

As of today, I : Have not received any of the products Have not received a refund from XXXX XXXX XXXX  Have been denied relief by Chase despite providing documentation I believe Chase failed to properly investigate this dispute and incorrectly categorized it, resulting in an unjust denial. I am requesting that Chase be required to reconsider this dispute under the correct basis ( canceled transaction / goods not received ) and return the funds to my account.

I am simply seeking a refund for merchandise I never received after the merchant canceled my order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
My entire life was taken by someone else. I called Chime over and over for months and they would change my information to my actual email address, phone number, Mail address... Etc. My Driver 's License was taken, my bank debit card and credit card was taken. Social security monthly income and social security card, as well as my birth certificate. The person who took my phone also has control over my emails I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-27 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX in unauthorized transactions back XX/XX/year> I called in for help that my account has gone haywire, and I want my money back. I did not authorize such charges and are not familiar with the apps. I was told to contact app developers by cash app. I contacted app developers they instructed me to contact cash app back again. I was unable to dispute each charge that led to XXXX taken from my linked banking institution account via cash app. My account was closed leaving me now access at all not to send receive or cash out XXXX. I even tried creating a brand new account and am unable. Upon calling Cash App again and getting a live rep I was told that there was no explanation as to why the account was closed the disputes are still sitting in a pending status but we're stopped due to my account closure without explanation. I believe my account was abruptly closed without explanation in effort to cover up the unauthorized transactions to hide or delete it's history so I have no access to them but I got screenshots of all those unauthorized transactions but can't log in to access my history secondly they closed my account abruptly with no explanation to avoid refunding me my unauthorized charges. And lastly I can not for the life of me understand as a patron why they would not move me to safety instead of just closing my account and locking me out all the way around. No one at Cash App has been able to explain to me why my account was closed, why I can't login at least to review the history or have limited access to other features, why my disputes are still sitting on pending what my disputes are actually pending in is it outgoing payments is it the refunds of my disputes if so where are the refunds going since they closed my account or pending for investigation results nothing no information, and why can't I start a new account or register for a new account entirely that way my disputes can be refunded to a clean safe account. There is no information for any of the actions Cash App has performed and the closing of my account leaves me to believe it is all a part of the cover up of this problem existing in the first place and the manner in which they chose to deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: NE

Complaint narrative:
I did not co-sign this loan in XXXX. While I was away my brother co-signed a loan for my son using my name electronic generated co-signer. He said he would tell me but never did and he drowned. I found out 13 years later in XX/XX/XXXX while visiting with my son that the loan was electronically generated and I never co-signed for {$15000.00}. I notified school loan holder that I never co-signed. I sent them FTC identity theft papers, a notarized paper from my son stating that I did not co-sign the loan so take my name off as co-signer, a notarized FTC sheet with three of my signature, an an affidavit of how the incident occurred.The loan company did an investigation without waiting for the Actual FTC report, but did not release me as co-signer even though I am a victim of identity theft of my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) after multiple written disputes. 

On XX/XX/year>, I submitted a formal written dispute under FCRA XXXX challenging numerous inaccurate and unverifiable items on my Equifax credit file, including misreported tradelines, debt-buyer accounts lacking proof of ownership, incorrect balances, and accounts reported in violation of federal law. 

On or about XX/XX/year>, Equifax mailed results of reinvestigation stating that most disputed accounts were verified. However, Equifax failed to provide any documentary evidence, failed to explain how the information was verified, and failed to provide the Method of Verification required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

On XX/XX/year>, I sent Equifax a second, escalated dispute letter demanding full compliance, including copies of all Automated Consumer Dispute Verifications ( ACDVs ), the Method of Verification for each account, and supporting documentation. I gave Equifax 15 days to respond. 

Equifax has not responded at all to this third dispute and has not provided the required Method of Verification, ACDVs, or documentation. Despite this, Equifax continues to report the disputed information on my credit file.

Equifaxs failure to respond and continued reporting constitutes violations of FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ), and demonstrates a pattern of unreasonable and willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
Collection agency attempted to include collection fees not substantiated with proof of payment to the collections agency by the home owner association.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-27 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: TN

Complaint narrative:
XXXX XXXX sold my home mortgage to another company in XXXX. It is still showing active on credit reports. I have disputed it a month ago and called XXXX without any assistance to remove the mortgage from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation