vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my credit card was physically stolen at a gas station in XXXX, California. I did not realize it was missing until I got home and received a text alert from Bank of America about an attempted charge of {$380.00} at XXXX at XXXX XXXX. When I opened my wallet, I confirmed the card was gone. I reported the fraud immediately that same night, though the call carried over into XX/XX/XXXX due to the timing. 

After reviewing my account, I discovered several unauthorized transactions totaling {$220.00}, including charges at : Another gas station in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX I did not authorize these transactions, nor did I give anyone permission to use my card. Bank of America issued a provisional credit but later denied my claim, stating : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

This reasoning is flawed. Since the card was physically stolen, it makes sense that the chip could have been read. Its also possible the person who stole it guessed my ZIP code correctly when using it at nearby gas stations. These transaction methods do not prove that I was present or that I authorized the charges. 

Under the Truth in Lending Act ( Regulation Z ), consumers are not liable for unauthorized credit card charges beyond {$50.00}. I reported the theft promptly and did not authorize the disputed transactions. Per federal law, I should not be held responsible for these charges. 

I acted promptly, reported the fraud the same night, and clearly explained that my card had been stolen. I was not in possession of the card at the time of the transactions. 

I am requesting the CFPBs assistance in having Bank of America reverse the disputed charges and conduct a proper 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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account listed on my credit report. 
The account in question is being reported by XXXX XXXX XXXX, acting on behalf of or in association with XXXX XXXX XXXX. However, there appears to be confusion or misrepresentation of the original creditor, as the entity listed as the original creditor is actually a collection company itself, not the company from which the debt originated. This may be a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

The " original creditor '' on the credit report is not the actual originator of the debt, but a debt buyer or collection agency. 
The account is being collected or has been transferred through multiple collection agencies, leading to confusion and possibly duplicate or erroneous reporting. 
I have not received proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), nor was I provided with notice of the debt in accordance with federal law. 
Requested Resolution : I request a thorough investigation into this account and verification of the actual original creditor. 
If the reporting agency or data furnisher can not provide documentation proving the accuracy of the debt and the correct chain of custody, I request that the collection account be deleted from my credit report in accordance with the FCRA. 
I request the CFPB 's assistance in resolving this matter and ensuring compliance by the data furnisher and credit reporting agencies. 
Thank you for your time and assistance in investigating this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XX/XX/year> Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2024 I purchased tickets online from what I believed was XXXX XXXX, but it was a fraud. This was not XXXX. Upon my arrival to the XXXX  counter in XXXX XXXX, I approached the desk and was told that no reservation or tickets existed. I needed to get back to the XXXX so I bought XXXX additional tickets and flew home. Upon my arrival I called Barclay 's Bank and I disputed the charges by the fraudulent company and Barclays withheld the charges to investigate. On XX/XX/XXXX, after talking to the fraudulent company Barclays sent me a letter advising me that the charges according to the fraudulent company were in accordance to their practice so they proceeded to charge my credit card with {$1900.00} on the same day, but gave me 10 days to agree or disagree with their decision. However, on XX/XX/XXXX I had a XXXX and had to be XXXX XXXX XXXX XXXX XXXXXXXX of them under XXXX XXXX. On XXXX after I recovered I contacted Barclays and I tried time and again to appeal them to reopen my case, but they did not. I even wrote to the Corporate Customer Service Director, but no reply. I am submitting all these documents for your reference. Please note that I call it fraudulent company because XXXX XXXX XXXX provided no services to me and what is more I tried contacting them, but their phone does not answer.

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 2025-05-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
I am filing a formal complaint against TransUnion for violating the Fair Credit Reporting Act by failing to properly investigate and correct multiple inaccuracies on my credit report despite submitting XXXX separate disputes. The issues include contradictory reporting on my XXXX XXXX XXXX account which shows both " Paid in Full '' and " Charged Off '' statuses while maintaining an incorrect charge-off amount, illogical reporting on my XXXX XXXX account with mismatched balance information and unexplained changes to past due amounts, and improper verification of my XXXX XXXX XXXX account where TransUnion claimed the debt was verified but provided no documentation or proof of ownership from the original creditor. I have already submitted formal disputes to TransUnion on XX/XX/year> and XX/XX/year> via certified mail, but they failed to conduct proper investigations or correct these errors. I request that the CFPB intervene to ensure TransUnion complies with federal law by immediately correcting all inaccuracies on my report, providing complete documentation of their investigations, and removing any unverified accounts. I have attached copies of my credit reports, dispute letters, and mailing receipts as evidence of these violations and my attempts to resolve them. Please investigate this matter and hold TransUnion accountable for their failure to maintain accurate credit reporting as required by law.

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 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I was approved for an Avant credit card on XX/XX/2025. Despite multiple calls, confirmations of my correct address, and repeated promises that a card was issued, I have not received anything. I received XXXX mailed letters from Avant confirming that my address was changed, but no card followed. 

I have contacted Avant customer service multiple times. On XX/XX/XXXX, I was hung up on by a representative when I requested escalation. I called back and was told a ticket would be created, but no ticket number was given. 

On a more recent call, I was told again that a new card would be issued. I asked what would happen if I still didnt receive it and was told it would then be escalated, even though this should have already happened. I feel I am being misled and stonewalled, and I am deeply concerned about whether this is a secure and trustworthy credit issuer. 

I want this issue resolved immediately and a full explanation of why my card has not been delivered despite nearly 50 days of waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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 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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this because Equifax is still reporting a XXXX XXXX account that is nearly XXXX XXXX XXXX and should have already been purged under FCRA 1681c ( a ) ( 4 ). This account was removed from both XXXX XXXX XXXX yet Equifax continues to report it as a charge-off with a balance and a future-dated update ( XX/XX/year> ), which violates Metro 2 Field 25 and re-ages the debt illegally. 

This account is falsely listed as derogatory with a past due balance even though its closed, sold, and beyond the California statute of limitations. Equifax is in violation of FCRA 1681e ( b ) for failing to ensure maximum possible accuracy, 1681s-2 ( b ) for failing to properly investigate and correct the record, and 1681i for not removing unverifiable information after I sent a certified dispute and pre-arbitration letter.

They are also in violation of Metro 2 fields 5, 12, and 27 key information like the original creditor, terms, and highest balance is missing. This file is damaging my ability to secure housing and business credit, and I demand this account be deleted immediately. 

Equifax just got sued again for mishandling consumer disputes and they are proving my point here. I have proof of my previous disputes and they have not fulfilled their legal duty. If this isnt resolved now, I will move forward with arbitration and legal action under FCRA 1681n and 1681o. Enough is enough this account must be deleted now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00}

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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX during a XXXX phone conversation, I contacted the Mortgage Escrow Customer Service Department to inform them of a Chase Bank teller error that resulted in a shortage of our escrow account. I explained that on XX/XX/XXXX I entered the Chase Bank, at XXXX XXXX XXXX, XXXX, CA to make a deposit of {$2000.00} into our mortgage escrow account. The deposit amount of {$2000.00} represented a homeowner insurance premium refund. 
The bank teller was not acquainted with how to process a deposit into an escrow account and called the branch manager to her window to assist. I was given a receipt, and the manager informed me that the deposit had been made and that I could obtain the annual escrow analysis in XX/XX/XXXX. I am certain that bank video records can confirm this transaction. 

When we received notification of an escrow shortage in XX/XX/XXXX, I researched our mortgage account transactions and determined that in spite of my directive/request, as well as the support given by the branch manager, the {$2000.00} deposit was mistakenly made to our mortgage principal, rather than our escrow account. This bank error has resulted in a shortage. 

The agent I spoke with during my XX/XX/XXXX phone call, assured me that she would begin the process of correcting the error made by Chase and that we would be contacted within 30 days about the adjustment credit made to our escrow account. To date, we have not received any written, or electronic notification to confirm that this adjustment has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: PA

Complaint narrative:
This morning, I noticed some incorrect accounts on my credit report, and I have no clue how they ended up there. I routinely review my credit report, but this time I spotted unexpected discrepancies. I even tried refreshing the browser, thinking it might be a glitch, but nothing changed. The false accounts remained. Because of this, Im requesting a thorough review of the documents I provided so I wont have to deal with this stress again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFRA 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I purchased a property at a foreclosure auction in XX/XX/XXXX. The property was foreclosed by XXXX XXXX which had 90 day redemption period. After the purchase and transfer of ownership in XX/XX/XXXX, I contacted Shellpoint to request a payoff statement so I could settle the outstanding XXXX. My first conversation occured in XXXX, XXXX, then again on XX/XX/XXXX. I have submitted a formal request for payoff on XX/XX/XXXX via email as advised by the XXXX XXXX department, providing my id, transfer deed and proof of paid insurance. I was told that I should hear back within 30 days. 

Despite following all instructions and sending several follow-up emails during and after the initial 30 day period and then over the past XXXX months, I have not received any response or the requested payoff information from Shellpoint Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The previous owner has been evicted and is no longer available to assist. As the new legal owner, I need the payoff amount to clear the lien, but Shellpoints lack of response is preventing me from doing so. This delay may result in additional fees and is causing significant hardship. They are adding more and more late fees each month and the loan that should have been paid off at my first request on XX/XX/XXXX, has now grown by a very large number. 
Furthermore, this company does not cooperate and after numerous conversations does not have a way to communicate with customers who are in this situation. Because I am not the original lien holder they are unable to speak to me or provide any information. When asked how would the escrow company get payoff information, the response was they would get owner 's authorization. But because the previous owner who is responsible for the loan is nowhere to be found and he may not volunteer to provide such authorization, as the current property owner I should be able to payoff a lien that is clouding the title for the property.

Shellpoint mortgage does not provide any way of communicating to them to address such issues, and does not respond to the process established by them in a timely fashion. 
I am seeking CFPB assistance to obtain the payoff statement and resolve this matter promptly.

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