vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XXXX XXXX, after downloading malware, my computer was accessed remotely by a third party. This entity purchased XXXX gift cards from XXXX XXXX using XXXX and my USAA credit card. I immediately stopped access to my computer and contacted both XXXX and USAA. XXXX said it was USAA 's problem. USAA stopped the card and sent me another. USAA investigated and, inexplicably, decided that the charges weren't fraudulent. I had them reinvestigate and they came to the same conclusion. 
I am a XXXX XXXX XXXX XXXX  that lives alone and would never buy XXXX gift cards from a perfume company totaling over {$2700.00}. 
This quick description doesn't represent the enormous amount of time I spent talking to XXXX, USAA, and trying to get satisfaction from XXXX XXXX. 
Now I must pay the bill for products neither ordered or received to avoid a poor credit rating.

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 monetary relief
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
The XXXX XXXX Bank account being reported on my credit file is inaccurate and should not remain. This account has either been paid in full or is the result of identity theft/unauthorized use of my personal information. Despite this, it continues to appear as a negative tradeline, harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are required to ensure the accuracy of the information they report. Continuing to report this account as delinquent or open when it is not accurate is unlawful. 

I am also invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692cc, and demand that the company cease all communication and collection activity related to this account.

I am requesting that : 1. All collection efforts immediately stop. 
2. The XXXX XXXX Bank tradeline for account XXXX be permanently deleted from Experian, Equifax, and XXXX. 
3. Written confirmation of deletion be provided within 15 days. 

Ongoing reporting of this account is harmful, inaccurate, and a violation of both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NY

Complaint narrative:
This company is reporting inaccurate and unverifiable information on my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ), 807 ( 2 ) ( A ) ), they are continuing to report or attempt to collect on debts that were already charged off, repossessed, or canceled. I have formally disputed and sent a Cease and Desist notice. This violates federal law and is damaging my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
Midland Credit Management ( MCM ) provided me a letter dated XX/XX/year>, stating that my balance was {$5400.00}. However, around the same time, my credit reports reflected conflicting balances : XXXX  ( as of XX/XX/year> ) : {$5700.00} XXXX  ( as of XX/XX/year> ) : {$5400.00} XXXX  ( as of XX/XX/year> ) : {$5700.00} This means XXXX furnished XXXX different balances to the credit bureaus, and at least XXXX of them were inconsistent with the balance they themselves acknowledged in writing. Reporting a higher balance of {$5700.00} to XXXX XXXX XXXX while confirming {$5400.00} in their own letter constitutes false and misleading reporting. 

I brought this discrepancy to MCMs attention in writing, but their reply did not address the balance mismatch or correct the reports. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must report complete and accurate information. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ) ( A ) ), it is a violation to misrepresent the amount of a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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 recently checked my credit report and noticed multiple fraudulent accounts reporting to my file. Its extremely frustrating to my background going forward

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My credit card earns rewards points that can only be redeemed for goods and services from XXXX XXXX, like cars, service, and accessories. I acquired this card for that express purpose and made various purchases over several years to earn these points. The points can be redeemed at a XXXX dealership or can be used to receive a statement credit if the eligible purchase from a XXXX dealership is charged to the credit card. 

On XX/XX/XXXX I purchased {$170.00} of services from my XXXX dealership and on XX/XX/XXXX I purchased an additional {$1300.00} of services from my XXXX dealership. I attempted to redeem XXXX rewards points I had earned using the card to for these purchases. I was unable to do so on the webportal, and called into customer service. 

The XXXX rewards team agreed to all of the following : 1 ) I have sufficient points to redeem for the purchases 2 ) the purchases were for certified service at a participating XXXX XXXX dealership 3 ) the purchases were eligible for a statement credit. None of this is in dispute. Unfortunately the representatives you can reach by phone can not force the redemption through due to unspecified " IT systems issues ''. I first called on XX/XX/year> requesting redemption and subsequently called back twice in XXXX and again in XXXX. XXXX XXXX occasion the representative was able to force the system to redeem rewards for the {$170.00} transaction, but was unable to redeem rewards for the {$1300.00} transaction. The agents continuously blame " IT problems '' and I am not offered the option of actually speaking to second level support or the IT function they claim is the problem. These representatives claim that they can not even speak with them. 

The XXXX Rewards credit card appears to be a fraud. Rewards are promised, you use the card and anticipate the rewards, and when you go to redeem the rewards you have earned under the program they REFUSE to actually process the redemption and cite various " system issues '' -- as if that is a legitimate excuse. The reality is I am unable to redeem the rewards promised. 

In the middle of all of this, the credit card was sold from one bank to another and the new bank says they no longer will offer the statement credit option. 

This is totally unfair. I opened this account, used it in good faith, always pay my bill on time and when I go to use the rewards I earned ( the whole reason people use this credit card ) I find out they are essentially " fake. '' I feel this entire credit card is a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, it was posted a transaction of {$1700.00} in my statement coming from XXXX XXXX XXXX retail located in XXXX XXXX 

A week later I noticed this transaction and it caught my attention because of the amount and the location - my wife and I were NOT in XXXX on XX/XX/XXXX. 

After I reported to chase, they immediately removed this charge from my statement but 2 months later they moved this back to my statement on XX/XX/XXXX. 

I reached out to Chase again and they told me that my card was physically used in XXXX and again, I told them my wife and I were in XXXX during that time. 

They told me they would investigate again and come back to me after 4 business days. They never called me back. This was around XXXX XXXX. 

On XX/XX/XXXX, I called them again to check on the status and they said they couldn't do anything to help, I asked to speak to a supervisor who told me he would investigate this better. 

After further assessment the supervisor called me and told me that this transaction was made around XX/XX/XXXX instead but only posted on XX/XX/XXXX but couldn't explain why. And because it has passed 60 days from XX/XX/XXXX, I can no longer cancel the transaction and challenge the retailer?? I don't understand how this is my fault. 

In addition to above, my wife was in So XXXX XXXX during XX/XX/XXXX, however the charge above was made in a different state ( Estate of XXXX, XXXX driving from XXXX XXXX ) and she's never been to that state in her life. They have my wife 's daily transactions in XXXX XXXX, proving that she was physically there but told that's not enough proof to cancel that charge. 

I don't understand why I have to pay this transaction my wife and I never made and this is clearly a fake transaction that happened in a state where we've never been in our lifes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
SUMMARY OF ISSUE : On XX/XX/XXXX, I lawfully served Portfolio Recovery Associates with a Notice of Opt-Out, Non-Consent, and Data Use Revocation pursuant to the following federal statutes : The Privacy Act of 1974 ( 5 U.S.C. 552a ) The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) The Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) The Electronic Communications Privacy Act ( 18 U.S.C. 2510 ) Said notice explicitly revoked any and all alleged, actual, or implied consent to collect, retain, access, disseminate, transmit, or monetize my personal and private information. 

DEMAND FOR COMPLIANCE INCLUDED THE FOLLOWING : Deletion of all personal and financial records from their systems Immediate cessation of all transmission or reporting of such data to any commercial or governmental agency Written acknowledgment of receipt and compliance within 15 days Cessation of all collection activity absent verified legal standing and my express written consent EFFORTS TO RESOLVE THIS MATTER : I attempted to resolve this issue by lawfully presenting the above-referenced notice by mail. 
The notice clearly outlined legal revocation of consent and invoked binding statutes requiring acknowledgment and compliance. 
Portfolio Recovery Associates failed to respond, thereby remaining in default. 
This silence constitutes : Nonfeasance Willful violation of federal consumer and privacy law Bad faith commercial conduct Violation of constitutionally secured rights and statutory protections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: HI

Complaint narrative:
XXXX XXXX Bank XXXX XXXX  and XXXX XXXX XXXX XXXX both show on my credit reports Twice for the same debt XXXX shows a {$0.00} balance and is marked as collection/chargeoff as well as shows a total balance owed of {$2600.00} which I have clearly made XXXX XXXX XXXXXXXX aware of, ( XXXX and XXXX ) XXXX however XXXX XXXX XXXXXXXX states I owe them a total balance of {$4100.00} Again, I have definitely without question or doubt made XXXX from XXXX XXXX XXXX completely aware that the negative collections for XXXX shows twice on my credit report and the balance in question is {$2600.00}, ( email conversation history pdf attached for reference and confirmation ). Immoral and Unethical to increase the amount of the original debt significantly as well as show up twice on my credit report for one account which creates a double negative. 

Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: HI

Complaint narrative:
XXXX XXXX Bank XXXX XXXX  and Debt Recovery Solutions LLC both show on my credit reports Twice for the same debt XXXX shows a {$0.00} balance and is marked as collection/chargeoff as well as shows a total balance owed of {$2600.00} which I have clearly made Debt Recovery Solutions aware of, ( XXXX and XXXX ) XXXX however Debt Recovery Solutions states I owe them a total balance of {$4100.00} Again, I have definitely without question or doubt made XXXX from Debt Recovery Solutions completely aware that the negative collections for XXXX shows twice on my credit report and the balance in question is {$2600.00}, ( email conversation history pdf attached for reference and confirmation ). Immoral and Unethical to increase the amount of the original debt significantly as well as show up twice on my credit report for one account which creates a double negative. 

Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
XX/XX/year> : I booked a round-trip XXXX XXXX ticket XXXX for {$63.00} using your credit card, planning to travel XXXX XXXX XXXX 

Received an email from XXXX to call them due to a problem. 

Called XXXX, who said the {$63.00} price was unavailable, and the actual price would be {$280.00}. You agreed. 

XXXX said the transaction did not go through and told me to call my credit card company. 

XX/XX/year> : I called my credit card company ( card had enough funds ). 

Called XXXX back ; he asked for my card number again. 

Later that day, he left a message saying my booking was not confirmed. 

When I called back, he said I could no longer depart from XXXX ( XXXX XXXX XXXX XXXX XXXX and would need to depart from XXXX instead. 

I said I let me check becuase I needed time to arrange a ride to XXXX. 

XX/XX/year> : I called XXXX back and agreed to depart from XXXX despite inconvenience. 

XXXX said he would book the ticket and give me my confirmation number that evening, but he never called back. 

XX/XX/year> : I called back to make sure I would departure on XX/XX/year>. 

XXXX promised I would receive the confirmation or ticket by XXXX PM, but never received nothing. 

XX/XX/year> : I called again, asking for your confirmation/booking number or boarding pass, explaining I needed it to travel the next day. 

XXXX on e-mail reassured me not to worry but never sent the confirmation. 




XX/XX/year> : I was unable to travel because I never received a confirmation number, boarding pass, or valid ticket despite paying {$280.00}. 

You called the next day and asked if this was a scam, telling them you would report them. 

On XX/XX/year>, XXXX admitted via email that they were unable to confirm my ticket due to technical issues with the airline, and they refused to refund me, only offering a credit, which I refused. 
Since I never received the service paid for, I disputed the charge, but I was informed that the merchant claimed I used the ticket, which is false and a lie, Becuse they admitted they were unable to confirm. I was never contacted to submit my evidence, which is a violation of the fair dispute investigation required under the FCBA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Westlake Services, LLC
State: VA

Complaint narrative:
Formal Dispute & Cease and Desist Removal of Unauthorized Credit Inquiries To Whom It May Concern, This letter serves as my formal dispute and cease-and-desist request regarding unauthorized and negative credit inquiries being reported on my consumer credit file. 

The disputed inquiries are as follows : Creditor/Business : NOWCOM / Westlake Financial Business Type : Automobile Dealers, Used Inquiry Dates to Be Removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I did not authorize these inquiries, nor was any written consent or permissible purpose provided as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The continued reporting of these inquiries is inaccurate, misleading, and damaging to my credit profile.

DEMANDS Immediate Removal Permanently delete all unauthorized inquiries listed above from my credit file.

Verification of Authorization Provide documented proof that I granted written authorization for these inquiries. If no such proof exists, they must be deleted immediately. 

Cease and Desist NOWCOM / Westlake Financial, and any other entity reporting unauthorized inquiries, are hereby directed to cease and desist from making or reporting inquiries without my express written consent. 

Written Confirmation Provide written confirmation that these inquiries have been removed and that no further unauthorized inquiries will be made in my name. 

NOTICE Failure to comply will constitute willful noncompliance with the FCRA. If this matter is not resolved within 30 days, I will escalate by filing complaints with the FTC, state regulators, and may pursue civil damages under federal law.

I expect written confirmation of removal and compliance within the time allowed by law. 

Sincerely, 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 2025-08-24 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:
From XXXX XXXXto XX/XX/year> I was incarcerated and it is an impossibility for me to have opened, applied for, or to have received any credit inquiries and lines of credit. This is my third and final dispute before legal action is taken. All three credit agencies ( Transunion, Equifax, and Experian ) have disregarded and ignored my identity theft report from the FTC. All three credit agencies have not updated or corrected my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
From XXXX XXXXto XX/XX/year> I was incarcerated and it is an impossibility for me to have opened, applied for, or to have received any credit inquiries and lines of credit. This is my third and final dispute before legal action is taken. All three credit agencies ( Transunion, Equifax, and Experian ) have disregarded and ignored my identity theft report from the FTC. All three credit agencies have not updated or corrected my credit reports.

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 2025-08-24 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: FL

Complaint narrative:
From the XXXX XXXX XX/XX/XXXX I have been in constant contact with XXXX XXXX Bank regarding a loan that was charged off in XXXX due to it being inadvertently left out of my repayment program. I contacted XXXX XXXX in XX/XX/XXXX to inquire about this loan and how to handle it. I contacted the collections agency and accepted a settlement. I settled the account for less than the full balance around XXXX. The collections agency, XXXX, informed me that my account with them was closed following the settlement and that XXXX does not do credit bureau reporting. I contacted XXXX XXXX several times to confirm they had my account, the settlement information, etc. necessary to update the credit bureaus. Some XXXX XXXX agents told me that everything was handled and to wait XXXX days, other agents told me they were unsure why I was contacting XXXX XXXX XXXX as they did not have my account. XXXX also claims to not have my loan account. Both companies continued to state that I should speak to the other company about the matter. XXXX XXXX agents instructed me to file disputes with the documentation I had ( release of debt letter, proof of payment, etc ). I filed disputes with all three credit agencies in XX/XX/XXXX. They have all updated to varying degrees but remain mostly incorrect, maintaining a derogatory status with an open, past due balance that is further damaging my credit. Experians advice for disagreeing with the outcome of a dispute is to contact the lender directly, which I have already done unsuccessfully. Since XXXX XXXX and XXXX both claim to not have ownership of this loan, neither are willing/able to update the credit bureaus, and it seems the credit bureaus can only update the reports to an extent without confirmation from the lender. I settled my debt, I am simply asking for my credit to reflect that.

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