vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I am filing this complaint because USAA has repeatedly mishandled my debit card dispute ( Dispute ID XXXX ), closed the case multiple times with incorrect information, and refused to escalate my case to a supervisor despite my repeated requests. 

This dispute began in XXXX, when I was charged {$1800.00} for a cruise I could not take. I provided all required documentation, including : Proof that the cruise lines claimed refund of {$360.00} was never received Complete bank statements showing no such credit Proof that I purchased travel insurance, including receipts and policy documentation Despite this, USAA closed my dispute stating that I received a refund, which is factually incorrect. They also repeatedly claimed I did not purchase travel insurance, even though I submitted proof of that multiple times. 

I have spent months calling, emailing, and submitting documents, but each time the dispute is closed incorrectly using inaccurate information. The frontline dispute team has refused to escalate my case to a supervisor, and most recently I was told that there is nothing more they can do and that I would need to hire a lawyer if I wanted to continue. This response is inappropriate and does not follow required dispute resolution procedures. 
I am requesting : A full supervisory or executive review Correction of the inaccurate refund information Acknowledgment of my documented travel-insurance purchase Proper investigation based on the evidence I have already submitted A written response explaining why my dispute was repeatedly mishandled I simply want this dispute handled fairly and accurately.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My grandparents gave me money for XXXX, I gave another chime account holder {$360.00} cash on XX/XX/XXXX for my Chime deposit. it went into the wrong account and the other account holder owed mypay fees preventing me from recovering my funds. I called into chime to fix this discrepancy but was blown off. The other account holder also called into to explain the funds weren't theres and was also blown off. Chime explained since the other account holder had fees that they had automatically taken the money and I would not be able to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 am writing to dispute the following items on my Experian credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF XXXX  XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$920.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$520.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$500.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XX/XX/XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX Balance : {$680.00} INQUIRIES 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 LATE PAYMENTS XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am filing a complaint because Equifax is reporting several charged-off accounts that I believe contain inaccurate or unverifiable information. I am requesting a full reinvestigation and correction as required by the FCRA. 

Charged-Off Accounts in Dispute XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Acct XXXX XXXX Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} These items appear inconsistent with other bureau reports or contain information that I believe is inaccurate. I am asking Equifax to verify each item and delete anything that can not be proven accurate. 

Inquiries Equifax currently shows no inquiries in dispute. 

Late Payments Equifax does not show the XXXX XXXX  late payment, but I want to ensure no unverified late payment data is being reported on my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Westlake Services, LLC
State: MS

Complaint narrative:
Inconsistent Reporting : I have obtained my credit reports from XXXX XXXX XXXX XXXX. These reports, which are attached as evidence, show conflicting and different dates for the exact same loan 's late payment history. 

XXXX XXXX : The report shows a XXXX late payment reported by XXXX for XX/XX/XXXX, while XXXX reports XXXX XXXX late payment for XX/XX/XXXX. The fact that these payment history dates are inconsistent proves that the information furnished by XXXX is flawed, inaccurate, and unverifiable. 

FCRA Violation : XXXX XXXX is violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA by continuing to report conflicting data to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am submitting this dispute due to inaccurate or unverified information in my Equifax credit report. I request that the following accounts and inquiries be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

XXXX Accounts in Dispute : No charged-off accounts listed for Equifax in this dispute XXXX 

Inquiries in Dispute : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment in Dispute : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint about Comenity Capital Banks handling of a billing dispute on my XXXX XXXX XXXX XXXX. I disputed a {$140.00} charge from XXXX XXXX for a custom dress that I never received. 

The package was marked as delivered, but the delivery photo shows it was left outside a building in my apartment complex that is not my building, is not my address, and is not a secure delivery location for me. It was placed in an unsecured, publicly accessible area where anyone could take it. I never received the item. 

I attempted to resolve the issue with the merchant, but they refused to provide a refund or replacement even after I showed them the delivery photo indicating the package was left at the wrong location. 

I opened a dispute with Comenity and provided : An explanation of the non-delivery My communications with the merchant My order confirmation and timeline Comenity denied the dispute, stating only that the merchant provided tracking information. Tracking information alone does not prove delivery to my address, and the delivery photo clearly shows the package was not delivered to me. 

I contacted Comenity again to reopen the dispute and explained that the package was not delivered to my address, my building, the package room, or any secure area intended for my deliveries. Their online system produced an error when I tried to upload the delivery photo. 

I then sent another message that successfully included the delivery photo showing that the package was left outside a random building in my complex that does not correspond to my address. Despite this, Comenity sent a response stating they had not received any additional information, which is inaccurate. They did not acknowledge receiving the photo and did not attempt to reach out to confirm or request the evidence in another format. 

Comenity has not explained what evidence they relied on from the merchant or what investigation was conducted. They did not provide copies of any merchant documents, did not address the delivery photo showing the wrong location, and did not reasonably investigate the dispute as required under the Fair Credit Billing Act. 

I am requesting that the CFPB ask Comenity Capital Bank to conduct a proper investigation, consider the delivery evidence that I sent, and provide a clear explanation of how they reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 am writing to formally dispute the listed accounts, which are not associated with me and were not authorized. Please remove them and complete a review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-11-26 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I used my debit card to send money through CashApp. I did remove the debit card from CashApp about a day after my money was sent. On XX/XX/year> I got a notification from my bank that a test amount of XXXX was run against my debit card. The notation was XXXX XXXX subscription. I have no business with XXXX. I immediately turned my debit card off to avoid any further activity. I cancelled that debit card with my bank. CashApp is the only place I used that debit card in months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
This is a follow-up to my existing complaint # XXXX SUBMITTED ON XX/XX/year>. 
Huntington Bank continues to refuse to release my {$1900.00} mobile deposit made XX/XX/year> now on hold for 98 days. 
They admit they lost the verification form I submitted XX/XX/year>. 
They have repeatedly promised release in the next XXXX hours ( including Monday and Tuesday this week ) and then failed to follow through. 
Today they again stated they will not release the funds until I obtain a new third-party verification form and mail it to my son, who is an active-duty XXXX XXXX XXXX member XXXX XXXX XXXX a XXXX XXXX. 
This is an indefinite hold caused entirely by XXXX own error and their refusal to accept responsibility. 
Even under their own mobile-deposit policy and XXXX XXXX XXXX XXXX h ), 98 days is not a reasonable period. Forcing a XXXX service member to receive and return paperwork from a XXXX XXXX is unconscionable. 
I request immediate expedited handling, full and immediate release of the {$1900.00}, and any applicable penalties or reimbursement for this bad-faith delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-26 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: NJ

Complaint narrative:
I activated my Amex gift card worth {$500.00} on XX/XX/year> ; however, the transaction was declined when I tried using it. I did not authorize anyone or provide the card information to a third party. All I did was went to amexgiftcard.com/balance to activate the card on XXXX. I also called the # on the back of the card - XXXX to verify the amount of {$500.00}. However, when I use it the transaction was declined and there was only XXXX cents left. I called XXXX on XXXX to report it but was told to wait until the transaction is posted. The customer service agent told me that the card was used at XXXX in XXXX XXXX, California ( {$490.00} ) which I have never been to and was nowhere near it. The card was also used online for {$9.00} which was not me. 
I opened a dispute ( # XXXX ) on XX/XX/year> and received an email on XX/XX/year> that they are sending me a replacement gift card worth XXXX cents. 
I spoke with multiple customer service representatives over the course of the week, and sent emails to XXXX and XXXX asking them to reopen my case and refund me the money but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-26 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: MI

Complaint narrative:
I am disputing the following accounts and late payment entries with Equifax for being inaccurate or unverifiable. Please investigate each item under the FCRA and delete or correct as appropriate. 

Charged-Off Accounts XXXX XXXX XXXX  Acct # XXXX Opened XX/XX/year> Balance {$1300.00} Late Payment XXXX XXXX XXXX  Acct XXXX XXXX This entry reflects a late payment I do not recognize. Please verify its accuracy with supporting documentation from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
Dear XXXX, I am submitting this complaint regarding discrepancies on my credit report with the credit reporting agencies XXXX XXXX XXXX and I request that these inaccuracies be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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