vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: DISCOVER BANK
State: FL

Complaint narrative:
I filed a dispute for a broken XXXX I received from XXXX, I returned the XXXX by setting it out my door with a label to be picked up by whoever XXXX has picking up their returns by mail. I have screen recorded and printed conversations with not just XXXX, but XXXX different XXXX customer service reps, they all confirmed the package had been picked up and I would be receiving a refund, yes this is in writing, then I never revciebed the refund so I disputed with discover, however discover denied the dispute so I provided documentation to discover showing that XXXX different merchant contacts confirmed the refund and then they still denied the dispute, I do have screen recorded messages from discover dispute specialist conversations where discover reps stated I did provide the correct evidence to validate my dispute and yet they still denied it even after I provided proof to the discover lady on the phone that the previous discover reps confirmed I won the dispute, they are lying to me at this point and no one will help me, they hang up on my phone calls or transfer me and it gets " disconnected '' on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX XXXX  requested insurance document to be sent in mid XX/XX/year>. 

I emailed the insurance information to carrington at their email address, see attached. 

But I received an email saying that this information can not be verified. But Apparently all insurance was properly bought and documented. I received calls from XXXX XXXX and tried to call back today XX/XX/year> but I could not get through. I offered to give all information but my SSN but was told that if I dont have XXXX  I wont be able to talk to XXXX XXXX 
I dont feel comfortable giving my SSN just to anybody pick up the call. But the person XXXX who answered the phone refused to transfer the call. 

Last year, a similar situation occurred and I had to file a compliant to correct the problem but apparently, the information was not updated correctly. and " advance late payment Notice '' kept coming in without a single stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX  I attempted to transfer XXXX Membership Rewards points to my XXXX XXXX  account, but the transaction was rejected without explanation. Shortly after, I was informed that my American Express Business Gold Card had been canceled due to alleged misuse. 

I find this decision both unjustified and damaging, especially since no concrete evidence or details have been provided to support this accusation. As a responsible cardholder, I have always used the card appropriately and in accordance with the terms and conditions. 

I formally request : A clear explanation of the reason for the rejected reward transfer. 
A detailed basis for the cancellation of my account. 
Immediate reinstatement of my card if no verifiable misuse can be demonstrated. 
This incident has seriously affected my business operations, and I expect a prompt and fair resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
I received a court summons for a credit card debt of over {$18000.00} that I was not aware of. As well as another notification of debt totaling about {$8000.00}, both from XXXX XXXX XXXX. I attempted to dispute but I was dismissed by the collection representatives and am now being threatened with wage garnishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
The Army Air Force Exchange ( AAFEs ) Military Star Card keeps sending notifications that someone has opened multiple accounts in my name and other names within our family. Each time they tell me that they have detected fraud and have closed the account. However, they refuse to give me the address or any other information regarding who might be opening these accounts. They also refuse to do anything to stop this from happening even though Ive frozen my credit with the 3 major credit reporting agencies.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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 am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have held and account with Coinbase for over one year. I had held XXXX crypto coins since that time. Essentially, the account had no other buy/sell transactions. 
On XX/XX/2025, I sold my entire holdings at a loss. My net proceeds amounted to {$1200.00}. I instructed Coinbase to deposit this sum to my personal checking account at XXXX XXXX XXXX. I expected this transaction to happen within five days. It never happened. My attempt to communicate with a responsible party at Coinbase was a failure. Access to my Coinbase account was quite frustrating. When I were successful in accessing the portal sometime thereafter, the {$1200.00} was still in my Coinbase account. I then instructed Coinbase to submit payment to another checking account domiciled with a different bank, XXXX XXXX XXXX New Jersey, just in case the XXXX XXXX XXXX  transfer was somehow rejected. As of today, XX/XX/2025, there is still no payment transfer. Attempting to speak to a cognizant human being has turned out to be impossible. 
Are you able to help me in resolving this non payment issue ( problem )? 

I certainly would remain grateful for your efforts in successfully recovering the money legally owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
COMPLAINT TO CFPB INCONSISTENT LATE PAYMENT ON OPEN ACCOUNT XXXX CARD XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Consumer Financial Protection Bureau COMPLAINT : INCONSISTENT LATE PAYMENT REPORTING ON OPEN JPMCB ACCOUNT FCRA VIOLATIONS Dear CFPB, I am filing this complaint in reference to an active credit card account with XXXX ( XXXX ) ending in XXXX / XXXX, which is reporting inconsistent and potentially inaccurate late payment information. 

This account is still open and actively paid, yet Experian and XXXX report a XXXX late payment for XX/XX/XXXX, while XXXX reports no delinquency at all. Additionally, the monthly payment amount is being reported differently across bureaus, ranging from {$130.00} to {$140.00}. 

Account Snapshot : Creditor : XXXX ( XXXX ) Account Opened : XX/XX/XXXX Status : Open and revolving Balance : ~ {$4500.00} Monthly Payment ( conflict ) : {$130.00} ( Equifax ), {$140.00} ( Experian & XXXX ) Late Payment Reporting XXXX XXXX  : No late payments Experian : XXXX late in XX/XX/XXXXXXXX XXXX : 30-day late in XX/XX/XXXX Reported as Paid As Agreed on XXXX, Past Due on Others VIOLATIONS OF FCRA : FCRA 1681e ( b ) Maximum Possible Accuracy Credit bureaus must report with maximum possible accuracy. This conflicting late payment and monthly payment reporting creates confusion and financial harm.

FCRA 1681i ( a ) Right to Dispute Inaccuracies I have the right to dispute any data that is not complete or accurate. These discrepancies were not properly corrected across bureaus.

FCRA 1681s-2 ( b ) Duties of Furnishers of Information XXXX, as the data furnisher, has the obligation to ensure that updates are reported consistently to all CRAs. That is not happening here.

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 2025-05-12 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received several calls from XXXX XXXX beginning in early XXXX. There was no indication of arrears, simply a phone number and address in a computerized message. By the fifth call, I phoned them back to ask why they keep calling me with a phone and address update. They told me my account was in arrears by three months that they had not received XXXXXXXX XXXX  payment XXXXXXXX XXXX payment or XXXXXXXX XXXX payment. I have been on auto pay from my bank since XX/XX/year> without incident. 
Upon checking with my bank, it was shown that all payments have been made for more than the amount requested and well before any due dates as usual. The problem seems to be with XXXX XXXX Misdirecting my payments. I have tried to reach them by email and phone, I have sent statements, screenshots of My bank statements and other information to them directly via email. They have never responded. They have over {$1000.00} of my payments that are not being credited to my account. 
I would like them to resolve this matter as soon as possible.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XX/XX/XXXX, Bank of America reduced my XXXX XXXX XXXX XXXX XXXX Mastercard credit limit from {$15000.00} to {$5000.00} matching exactly the amount of the balance at that time. 

I have never missed a payment. I maintained responsible usage, consistently kept my utilization within healthy ranges, and had just made a {$2000.00} lump-sum payment either immediately before or on the day of their decision. 

Bank of America made this decision without any prior warning, communication, or opportunity to address concerns. 

I escalated the matter and spoke directly with a manager in their credit department named XXXX, who acknowledged : No history of delinquencies except a minor automatic payment delay from XXXX, shortly after the account was opened. 

No revolving or maxed-out balances. 

No major risk behaviors on the account. 

The manager explained their decision was based on a " limited relationship history '' with Bank of America, despite my strong, longer-standing history with other banks. No material changes to my financial standing have occurred since the account was opened three years ago. 

I also offered to pay off the full balance immediately to restore the credit limit, but my offer was declined. 

I am personally guaranteeing the account, meaning I am fully responsible for repayment yet Bank of America proceeded with a limit reduction that arbitrarily and severely harmed my business operations and financial profile. 

This action artificially forced my account to display near 100 % utilization overnight, causing unwarranted harm despite responsible account management. 

I respectfully request full reinstatement of the original {$15000.00} credit limit or a substantial corrective credit line increase.

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 2025-05-12 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
{$4200.00} in fraudulent charges taken on XX/XX/year> Chase investigations conclude that they sent an email that said it was a verified purchase. I received a text message and rejected the purchase, but chase replied that a confirmation had already been received. Chase has refunded and taken this amount back XXXX  without any investigation into the fraud claims.

Company response to consumer: Closed with monetary relief