vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: DE

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-30 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: AZ

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a Capital One XXXX credit card based on a promotional offer that included : XXXX XXXX  miles after spending {$4000.00} within the first 3 months A {$250.00} XXXX XXXX  Credit usable through the Capital One XXXX  portal I completed the required spending within the promotional period and the travel credit was issued to my account. 

In XX/XX/XXXX, when I logged into my Capital One account, I clearly saw the {$250.00} XXXX XXXX Credit listed with an expiration date in XX/XX/XXXX. 

However, when I logged in again recently to use the credit, it had completely disappeared. The credit was not used and had not expired. 

I contacted Capital One customer service and spent approximately 1.5 hours on the phone. During this time, I was transferred between the banking department and the travel department a total of 7 times. None of the representatives were able to locate the missing travel credit or explain why it was removed. One representative even attempted to explain how to use the credit, which showed a misunderstanding of the issue. 

Capital One has failed to honor its promotional offer and failed to provide adequate customer support or a clear explanation for the disappearance of a valid credit that had a confirmed expiration date of XX/XX/XXXX. 

I am requesting that Capital One restore my {$250.00} XXXX XXXX Credit immediately or provide equivalent compensation, along with a written explanation of why the credit was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
My requests to correct or remove false and inaccurate information related to this account have been repeatedly denied and/or disregarded. As a consumer, I am aware of my rights, and those rights are being violated by the continued reporting of information that is not being reported with maximum possible accuracy. This inaccurate reporting is harming my credit score and negatively impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This letter serves as formal notice that TransUnion continues to violate Federal Law regarding the fraudulent accounts reporting on my consumer file, including but not limited to 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 2025-12-29 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: IL

Complaint narrative:
This entry is not mine and appears on my report due to inaccurate reporting; please investigate and correct this mistake.

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 2025-12-29 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: EQUIFAX, INC.
State: RI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert from Bank of America regarding two attempted transactions. I immediately responded to that alert confirming that these were not my charges. Despite my prompt report, one of the transactions was nevertheless approved, a purchase at XXXX XXXX on XX/XX/XXXX, in the amount of {$570.00}. 

This charge is fraudulent for the following reasons : 1. The card was stored in my safe box. It had not been used for a little over a month, and that last purchase was made at XXXX store. 
2. I would not use this card at XXXX XXXX. I hold a XXXX XXXX store credit card that I exclusively use for purchases there, as it offers monthly interest-free financing. It makes no financial sense for me to use a standard credit card at XXXX XXXX. 
3. The claim that a physical card was used does not prove authorization. Counterfeit cards can be easily cloned and presented in-store. The mere fact that a terminal registered the transaction as a card-present purchase does not make it valid. 
4. I reported the activity immediately. As soon as I saw the app and text alert that there was suspicious activity, I confirmed, first on the app ( in which I was assigned a new card with a new number ), then immediately on a text message that it WASNT me. I have been a Bank of America customer for over 10 years, with no prior history of fraud. I acted in good faith and as quickly as possible upon being notified.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I lost my wallet and so I went to Lake Michigan Credit Union and since I lost my wallet I don't have my license. I have a federally recognized government-issued tribal ID with my name, address, and a photo of me, and they told me they don't accept it when it's FEDERALLY RECOGNIZED. This is discrimination.

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 2025-12-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Never received my XXXX reward from my chase XXXX  credit card. 
. I called and discussed my problem and never heard back from chase. The person I spoke to admitted the neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MI

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 2025-12-29 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: MI

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 2025-12-29 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Client Services, Inc.
State: CA

Complaint narrative:
I received a collection letter from Client Services , Inc. in XX/XX/year> attempting to collect over {$11000.00} on a charged-off XXXX credit card. I mailed a debt validation request before the deadline, asking for proof of the debt and itemized details. I stopped getting collection calls after that, and XXXX had already confirmed in a CFPB complaint response that the account was closed and could not be reopened. 

However, on XX/XX/year>, I received a Welcome to XXXX XXXX packet in the mail that included a new cardmember agreement and account terms as if a new account had been opened. I did not request a new account and never authorized XXXX to reopen anything. 

This feels like an attempt to re-age the account or mislead me into accepting new terms. It contradicts XXXX  own statement to the CFPB that the account was closed and can not be reopened. I never received a response to my debt validation request, and now XXXX concerned this could impact my credit or restart the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The company miscalculated my escrow balances, making me pay more for escrow for the next year. 
I tried to seek clarification on why my escrow deposit from XX/XX/XXXX was omitted in calculating the beginning escrow balance in the new year, but all the clarification I received was that it was the way computer programs work. The company workers ( I made XXXX calls, which overall took me the entire business day ) insisted the escrow is correct. 

My beginning escrow balance as of XX/XX/XXXX will be XXXX ( the company uses an incorrect beginning balance of XXXX ), assuming timely payment. My base escrow is the total disbursements to be made during the year ( XXXX homeowners insurance, XXXX city taxes, XXXX XXXX taxes = XXXX divided by XXXX = XXXX ). The company uses the correct base amount. However, it uses the incorrect lowest point in escrow of XXXX, while the actual correct balance would be XXXX. The minimum is XXXX. The company asks me to pay XXXX + XXXX = XXXX XXXX = XXXX per month while the actual should be XXXX - XXXX = XXXX = XXXX. Therefore, they make me overpay XXXX per month or a total of XXXX of escrow without any reason or legal or regulation base. I am attaching the beginning balance of escrow XXXX I have on my XXXX statement, which also shows the projected deposit of escrow XXXX, which can be used to the projected escrow balance as of XX/XX/XXXX. I am also attaching the escrow analysis from the company, which baselessly misses my XX/XX/XXXX deposit of XXXX escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
On XX/XX/year>, I requested a recast/re-amortization assessment for my mortgage account after making a large principal payment. On XX/XX/XXXX, after hearing nothing from Newrez, I called and was told it was sent to me by mail ( never received ) and was sent the agreement digitally, and would receive a link to sign via XXXX. After not receiving a link, I contacted Newrez again to get a link and never received it. Additional phone calls occurred ( XX/XX/XXXX and XXXX ), in which customer service told me they didn't know how to send a link, and that they would follow up ( never happened ). A representative told me on XX/XX/XXXX that I should submit a scanned and signed agreement via secure portal. Not only did I submit the signed agreement on that date, I overnighted the agreement- which was confirmed as received by Newrez on XX/XX/XXXX during a phone call on XX/XX/XXXX. I was told it would be in place by XX/XX/XXXX, but to call back and " hold them accountable. '' By XX/XX/XXXX, my recast agreement still wasn't in place and I was told, due to XXXX day processing times, it wouldn't be in effect until later in the month, by XX/XX/XXXX ( documented via email by Newrez representative ). On XX/XX/XXXX, I received a link via XXXX to sign an agreement, which I did immediately, thinking it was the final step. On XX/XX/XXXX, I was told that it was a XXXX agreement, but was received and would be in place by XX/XX/XXXX. After calling and speaking with customer service for a total of XXXX minutes on XX/XX/XXXX, I am now being told it is another 12 days until my recast will be in place.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I, XXXX XXXX XXXXXXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-30 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: CA

Complaint narrative:
I am disputing the account pursuant to the Fair Credit Reporting Act. The information being reported is inaccurate and incomplete and has not been properly verified. Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), any account that can not be fully verified with complete and accurate documentation must be deleted. Additionally, the furnisher has failed to meet its obligations under FCRA 623 to ensure accurate reporting XXXX XXXX XXXX  {$5000.00} XXXX XXXX {$26000.00} XXXXXXXX XXXX {$410.00} XXXX  XXXX XXXX {$17000.00} XXXX XXXX XXXX  {$750.00} XXXX XXXXXXXX XXXX {$690.00} XXXX XXXX {$0.00}

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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am formally submitting a complaint against Jefferson Capital Systems regarding Acct # XXXX. I am requesting this collections account be deleted from my credit report as this was disputed through the CFPB complaint system, File # XXXX on XX/XX/year> ( the original creditor is listed as XXXX XXXX ). This is negatively impacting my credit and preventing me from being able to apply for loans or credit in the near future. 
/

Company response to consumer: Closed with explanation