vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate items on my credit report, and they have not corrected them even after my dispute. Equifax is showing an address, XXXX XXXX XXXX, FL XXXX, that does not belong to me and has never been associated with me in any way. This information is completely wrong. 

Equifax is also reporting several accounts with late payments even though I have never been late on any of them. These incorrect late payment accounts include XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$650.00}, XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$18000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$2400.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a balance of {$4600.00}. The payment history Equifax is reporting is completely inaccurate. 

There is also a collection account under XXXX XXXX XXXXXXXX XXXX XXXX  opened XX/XX/XXXX with a balance of {$880.00}. I have no knowledge of this account, have never received any validation, and it should not be appearing on my credit file. 

I am requesting CFPB assistance because Equifax has failed to correct these inaccuracies despite being notified and given the opportunity to reinvestigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am a victim of identity theft, and certain information on my credit report is the result of fraudulent activity. I am writing to you pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) to formally request that you block all information related to the identity theft from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I formally disputed the following accounts that appear on my TransUnion credit report. XXXX  XXXX  ( Account # XXXX ) Incorrect date opened, improper " past due '' reporting, and inconsistent status across bureaus. 
It is still not removed from Transuion

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 2025-11-19 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: CA

Complaint narrative:
Purchased XXXX {$250.00} XXXX XXXX online and tried to use at XXXX. Transaction was cancelled by XXXX after a few hours. Went to XXXX to check balances a few days later and both showed that the balance is XXXX from the XXXX transactions. Called XXXX to release the Giftcards ' funds but they did not hold on to any funds at all. Tried to resolve with XXXX ( phone number on the digital card ) but had no one to speak to and was hung up on twice by the automated phone system. It is unacceptable for XXXX XXXX XXXX to lock up customers ' funds when the merchant did not go through with the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I saw an Amex Offer on my American Express credit card for XXXX : Spend {$300.00} or more, get {$60.00} back. 
I did not enroll immediately because the offer was clearly visible and available in my account. 
Today, the offer disappeared. 
When I contacted American Express through chat, they informed me that the offers enrollment cap was already reached on XX/XX/XXXX which means the offer was shown to me AFTER it was already full and unavailable. 
This is misleading. I would not have planned purchases around this offer if Amex had not displayed it as available on my card. 
I also requested an email address or escalation channel, but they confirmed none exists. I have a screenshot of the promotion as it appeared to me on XX/XX/XXXX. 
I have already attempted to resolve this with customer service, but they refused to assist and said the marketing team could not do anything. 
I pay almost {$200.00} of fee how can the promotion disappear after XXXX that after showing to me? 
If this is the type of experience and service that company provide, I will cancel my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
Since Newrez purchased my mortgage they have had the wrong property address and county. I have been trying to get this fixed for a year and half. I finally got the address corrected last week, but they refuse to correct the county. I have the warranty deed and paperwork showing it should be XXXX XXXX, CO, not XXXX XXXX. I would like to payoff this mortgage but I cant until the county is corrected because I want the title to be correct when I payoff the loan. I do not know how to get this corrected every time I call I get someone different promising to look into and then it never gets fixed,

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 2025-11-19 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: IL

Complaint narrative:
Between XXXX and XXXX, I discovered multiple inaccuracies and unverified entries being reported on my credit files by all three major credit bureaus. These items included incorrect personal information and credit account data that I did not authorize, did not recognize, and did not receive proper notice about. Several of these accounts appeared with late-payment markers and delinquency statuses that I have never been informed of or formally validated by any data furnisher. 
Starting in early XXXX, I disputed these inaccuracies directly with the credit bureaus. I submitted disputes that specifically pointed out the unverified information and requested documentation validating the entries. Despite submitting timely and complete disputes, the bureaus failed to provide any documentation from the original creditors proving that the accounts or negative information belonged to me. In many cases, the bureaus either verified the items without producing evidence or closed the disputes without completing a meaningful investigation. 
For example, in XXXX, XXXX bureau continued reporting a 120-day delinquency with a past-due amount that I never authorized and was never notified about. Another bureau continued reporting a 30-day late indicator that was never validated through proper documentation, even after I formally disputed it. These negative entries remained on my credit file without proof and have continued to harm my creditworthiness. 
Throughout this period, I followed all required dispute procedures, contacted the bureaus, and awaited validation. The bureaus did not provide verification, documentation, or any reasonable evidence linking these entries to me. As a result, the bureaus are reporting information that is inaccurate, unverified, and potentially mixed with someone elses identity. This is a violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires that all information they report be accurate and verifiable. 
I am requesting that the CFPB review this matter and require the credit bureaus and the involved furnishers to provide full validation of the items in question. If the information can not be properly validated with documentation from the original furnisher, I am requesting that it be removed from my credit reports as required by FCRA 611 and other applicable provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against USAA Federal Savings Bank for mishandling my debit card dispute involving a {$420.00} purchase from XXXX XXXX for tickets I never received. I followed every instruction, submitted all required evidence, and provided clear proof of non-delivery. Despite this, USAA closed my dispute twice without providing proper documentation, merchant response details, or a valid explanation. 
I never received the tickets I paid for. I submitted : proof of payment screenshots showing the tickets were never delivered evidence of my attempts to resolve the issue with the merchant documentation of the merchants failure to provide the product USAA removed my provisional credit and denied the claim without supplying : the merchants response any documentation supporting their decision a clear explanation any opportunity for a supervisor-level review USAA XXXX XXXX they can not contact the dispute team, and that the dispute department does not communicate with customers. This effectively leaves members with no recourse. The process lacks transparency and violates the spirit of Regulation E regarding error resolution and consumer rights. 
This situation has caused significant financial hardship. I rely on Social Security income, and USAAs removal of the provisional credit left my account negative for a product I never received. 
I respectfully request the CFPB to : Require USAA to reopen my dispute with a supervisor-level review. 
Require USAA to provide the merchant documentation and explanation used to deny my claim. 
Review whether USAA complied with Regulation XXXX requirements for communication, documentation, and investigation. 
Restore the provisional credit while the investigation is reopened. 
Thank you for your assistance.

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 2025-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Purchased a XXXX dollar AMEX gift card on XX/XX/year>, which cost {$31.00} total with tax and activation fees. I activated the card and waited XXXX hours only to discover that it is unusable. I have tried to pay for various online and in person transactions, ranging from major companies to mom and pop stores, and not a single business will accept it. I wonder - what am I expected to do with this card? It feels like i paid to have my hard-earned cash trapped in this AMEX card forevermore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

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 XXXX 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a charge from an automotive repair shop was posted to my checking account for {$1800.00}. The shop performed diagnostic work and repairs on my vehicle to address a ticking/clicking noise. After picking up the vehicle, the original issue remained unresolved. 

On XX/XX/year>, I emailed the shop to report that the ticking noise persisted after the repair and that the problem had not been fixed. On XX/XX/year>, a second independent shop inspected the vehicle and provided an XXXX driveshaft replacement quote. Their diagnosis contradicted the original shops diagnosis and demonstrated that the earlier repair work was misrepresented and did not address the actual issue. 

I disputed the charge with JPMorgan Chase and provided documentation including : The full repair order from the first shop ( XX/XX/year> ) Written notice to the merchant that the issue was not resolved ( XX/XX/year> ) The independent driveshaft quote showing a different required repair ( XX/XX/year> ) Chase closed the dispute because I could not provide a letter of opinion from a third-party mechanic. This document is not reasonably obtainable by consumers and is not required under the Fair Credit Billing Act for disputes involving misdiagnosis, misrepresentation, or services not rendered. Chase closed the dispute without addressing the evidence I provided. 

On XX/XX/year> at approximately XXXX XXXX XXXX, I visited a Chase branch to request escalation. The assistant XXXX on duty stated that managers do not escalate disputes and that any banker can help. I was handed to a banker who called the XXXX number on the back of my card and passed me the phone. The claims agent on the phone told me that no supervisors were available and that I would need to call back tomorrow. The banker then stated that, based on her years of experience, disputes like mine usually require small claims, which discouraged internal resolution. 

During this branch visit, my requests for escalation terms such as Back Office XXXX for Disputes, dispute override, and XXXX reconsideration request were ignored. I was not provided any escalation path or supervisory review. 

Chases process relied on an unreasonable documentation requirement, misclassified the dispute, denied escalation access, and closed the claim without properly reviewing the evidence. I am requesting CFPB assistance to reopen the dispute, classify it correctly as a misrepresentation/services-not-rendered claim, and require a full FCBA-compliant review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am filing this complaint because my credit reports contain multiple inaccuracies that I have been unable to resolve directly with the reporting agencies and furnishers, including several incorrect 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 XXXXwhich I never provided and do not recognize. My report also reflects erroneous account information requiring correction, including a late close notation for XXXX XXXX ( account starting XXXX XXXX XXXX  {$0.00} balance, opened XX/XX/XXXX ), multiple charge-off listings that are inaccurate or improperly reported such as 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 There is also a collection account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is being reported inaccurately. Additionally, there are hard inquiries included in dispute that I did not authorize, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as improperly linked addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These errors are harming my creditworthiness and appear to violate the Fair Credit Reporting Act since the information is neither accurate nor verifiable, and prior disputes have not resulted in proper correction or investigation.

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 2025-11-19 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: VA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached and FTC report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Collections 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 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. Proof that I am legally obligated to pay this debt, including a copy of any signed agreement or consent. 2. The name and address of the original creditor. 3. The amount of the alleged debt, including an itemized breakdown of fees and interest. XXXX. Documentation showing that your agency is authorized to collect this debt. Until these items are provided, I request that all collection activities cease, and that you do not report this debt to any credit bureau, or if reported, that it be marked as in dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I formally disputed the following accounts that appear on my XXXX  credit report. PORTFOLIO RECOVERY ( Account # XXXX ) Incorrect date opened, improper " past due '' reporting, and inconsistent status across bureaus. 
It is still not removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
Unauthorized access to my credit report by multiple companies has severely damaged my credit and credit score. 
I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed but that promise has been blatantly ignored, as they persist on my report. 
This inaction is completely unacceptable ; the ongoing presence of these potentially fraudulent entries is deeply alarming and indicates clear signs of identity theft. 
This unresolved matter continues to cause significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
A collection account that does not belong to me is being reported on my credit reports. I have never opened this account, authorized it, or had any relationship with the original creditor or the collection agency. 

I have already disputed this account multiple times with the credit bureaus and with the furnisher. Despite notifying them that the account is inaccurate, they continue reporting it without providing any valid proof that the debt is mine. The credit bureaus have not conducted a reasonable investigation, and the furnisher has failed to provide any documentation verifying ownership of the debt. 

This violates : FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 ( a ) reporting information they know or should know is inaccurate FDCPA 1692e false or misleading representation of a debt

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