vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 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: MD

Complaint narrative:
XXXX  # XXXXXXXX 
Status - Charged off, closed, closed date XXXX Bureaus - All 3 Different reporting dates across bureaus ( TransUnion & Experian show " closed due to inactivity, '' Equifax shows " disputed - reinvestigation in progress '' ). A Possible FCRA 623 ( a ) ( 2 ) violation if data not consistent. 



XXXX  # XXXX... 
Status - Closed, closed date XXXX 30-day late Bureaus -All 3 Late dates differ slightly ( TransUnion XX/XX/year> vs. Experian XX/XX/year> ). A Possible reporting inconsistency. 


XXXX  XXXX # XXXXXXXX. 
Status -Charged off, closed date XXXX Bureaus - All 3 Marked as " disputed '' with different notations across bu-reaus. A FCRA violation if reinvestigation not updated equally across all. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status - Collection Bureaus- All there Progressive collection shows different statuses ( Trans-Union - `` open/disputed FCRA compliant, '' Experian - XXXX closed/disputed, '' Equifax - " disputed not satisfied '' ) XXXX 
* * FDCPA 807 ( 8 ) * * & * * FCRA 611 ( a ) ( 5 ) ( A ) * * violation possible - disputes must be consistent and marked as " in dispute '' on all bureaus during investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
While traveling abroad, American Express abruptly reduced my credit limit without any prior notice. This occurred despite the fact that American Express was fully aware that I was traveling internationally and despite my consistent payment history. I have never missed a payment and have always met my obligations on time. 
The sudden reduction in my credit limit placed me in a serious and distressing situation while overseas. I rely on my available credit for essential expenses such as lodging, transportation, and basic necessities while traveling. The lack of warning eliminated my ability to make alternative arrangements and caused significant fear and risk to my personal safety. The reduction went from XXXX to XXXX then they said to pay XXXX to restore. Once again I never missed a payment and always paid on time. 

American Express later indicated that the action was related to my credit score, yet this risk factor existed well before my travel began. At no point was I notified in advance that my credit limit would be reduced, nor was I given an opportunity to prepare or respond. I believe this reflects an unfair and potentially dangerous practice, particularly when a financial institution knows a customer is outside the country and dependent on access to funds. 
I am not seeking special treatment, only fairness, transparency, and accountability. I respectfully ask your office to review this matter and consider whether stronger consumer protections or regulatory oversight are necessary to prevent similar situations from occurring to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: FL

Complaint narrative:
I have no connection to this account ; the information shown is incorrect and should be reviewed.

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 2025-12-21 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: EQUIFAX, INC.
State: WI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied twice for the chase freedom card and never received a response form the company I have a good credit score and have been approved by other companies i dont see any reason to be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: MD

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 2025-12-21 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: LA

Complaint narrative:
Equifax XXXX fraud XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information Greetings to whom this letter reaches. My name is XXXX XXXX and Im a XXXX XXXX XXXX college sophomore. I had received some emails about my student loans being added to my credit report. When I received them, I logged on to check the activity of my credit. I then saw over 40 inquiries in which none are from me. Ive never applied for anything with my credit outside of accepting my student loans through my school. Ive seen a major decrease in my credit over time and Im very discouraged being so young already having so many inquiries. I did research and was able to get the information to write a letter to the bureaus. I was able to retrieve a copy of my credit report and found these item ( s ) to be inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these ALLEGED items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the last 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
Statement of Truth XX/XX/XXXX To Quality Loan Servicer, I'm requesting a verification of debt, standing and accounting index and proof of proper state and Federal due process. The action taken against my property, XXXX XXXX XXXX in XXXX, California XXXX by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner are null and voidedI can no longer wait on a resolution since my attempted payment and being refused and foreclosure alternatives aren't being offered.I will file a complaint against all whom are involved. I have no choice but to be a defender of my estate... I stand by this statement. 
The following discrepancies My property record do not mention ShellPoint and XXXX XXXX legally binding documents aren't sing by lender No consideration for the collateral Material Breach Note possession ( physical ) VOD Accounting index Transfer Clause has no Transperency I Closing Documents Deed/Note not signed by lender Prove Standing Jurisdiction Personal/ Matter Servicing Agreement and Disclosures Debt Collection or Servicer?

Clouded Title and lack of Authorization Please consider a review I am a living man and not the corporate entity. I am beneficiary of the constructive Trust and I require the fiducial duty to prove subject and personal jurisdiction. All rights reserved. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX email- XXXX Sale Date Auction XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-12-21 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: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XX/XX/XXXX, I receive letter threatening to seize account, but no copy is not signed by a judge. I look up case with court and it fake.The letter threatens my property. I continue to reach to a New Jersey number for Velocity and the continent not to be reachable. I have driven to location in store front and it does not exist. I send letter XX/XX/XXXX, no response. My research tells me of the company not owning the debt. For XX/XX/XXXX and XX/XX/XXXX, the original creditor not longer reports the debt on my credit reports. This debt is extremely old and Velocity refuses to be forthcoming. The lawyer will not deal with me unless I claim the debt, and again to refuse to provide proof a well, from a call in XX/XX/XXXX. They did not have the right SS, Date of birth, or address. Velocity continues to send threats but before lawsuits in XXXX the never gave proof that I owe them for any thing. The is no balance sheet of how they arrive at the amount of over XXXX dollars. I continue to be able to reach them or understand if the really own this debt. Velocity report nothing to my credit. Solution is to provide documentation of chain of custody and bill of sale, records of balance of specific of what is owed and why. And stop the harassment of fake suits. This like XXXX XXXX XXXX debt. They keep lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: NC

Complaint narrative:
I want this account on my credit report to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: NY

Complaint narrative:
I deposited XXXX into my account now its been a week I cant withdraw my money Ive contacted customer service I daily via phone app and also email via complaints I have not been helped at all. Each day its the same thing they tell me no progress and I just want to be able to withdraw my money

Company response to consumer: Untimely response
Consumer complaint received 2025-12-21 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Linebarger Goggan Blair & Sampson, LLP furnished consumer data to a state motor vehicle agency using a federally protected trademarked name without authorization. 
The name XXXX XXXX XXXX is a federally protected trademark used in commerce. The furnishing entity did not demonstrate a lawful permissible purpose under 15 U.S.C. 1681b to use the protected name in connection with consumer data reporting or submission. Linebarger Goggan Blair & Sampson, LLP reported or transmitted alleged debt information to the Florida Department XXXX Highway Safety and Motor Vehicles, resulting in adverse governmental action, including the suspension or threat of suspension of my drivers license. I dispute the accuracy, authorization, and permissible purpose of the data furnished. The company failed to provide validation, proof of authorization, or evidence of a lawful basis to use the trademarked name, in violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ). I further requested a full accounting, CUSIP number ( if the obligation was securitized or monetized ), and disclosure of any IRS Form 1099-A or 1099-C associated with Case No. XXXX, and the company has failed or refused to provide this information. I request that the CFPB require Linebarger Goggan Blair & Sampson , LLP to : Identify the source and basis of the furnished data ; Demonstrate permissible purpose and authorization ; Provide a complete accounting of the alleged obligation ; Disclose any CUSIP or securitization reference, or state explicitly that none exists ; Disclose whether any IRS Form 1099-A or 1099-C was issued or relied upon ; Cease and desist from unauthorized use of the trademarked name ; Correct or withdraw all improperly furnished data and confirm in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Supplemental/Corrected Statement - CFPB Complaint # XXXX To Whom It May Concern : I am submitting this statement to correct and clarify information provided in my original complaint regarding unauthorized access and handling of my credit files by Clarity Services and XXXX XXXX 
Clarification : 1. I never requested, authorized, or consented to Clarity Services placing a security freeze on my consumer file. Any freeze activity that occurred without my express authorization is unauthorized.

2. I did not authorize any party to access my Clarity or XXXX consumer reports beyond my own direct requests.

3. Any actions taken by Clarity Services or XXXX  regarding my credit file, including the placement, modification, or removal of security freezes, without my express consent, constitute potential violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 1681g ).

Requests : In connection with my complaint # XXXX, I request that Clarity Services and Experian : - Confirm in writing whether a security freeze was ever placed on my Clarity consumer file, and if so, provide the details of the request, including the requesting party, date, and verification process. 
- Provide a complete audit of all inquiries and disclosures from my consumer files, including permissible purposes. 
- Confirm in writing that no consumer report was furnished without a valid permissible purpose. 
Thank you for updating my complaint record to accurately reflect that I never authorized Clarity Services to place a security freeze, and for your attention to this serious matter. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
* decreased credit from XXXX XXXX XXXX XXXX  This action maxed out my card * Account remains in good standing * Credit scores remain in good standing * Made all payments on time * I called twice spoke with customer representatives * Chatted with consumer bot * Responded to e-mail * I requested my account be restored * I recently had {$3700.00} available credit reduced to {$79.00} which maxed my credit credit card which isn't actions that I performed. 
* They rewarded me with {$300.00} " thank you points '' recently so these adverse actions came without ability to foresee corrections needed.

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 2025-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I want this account on my credit report to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have an account on the blockchain.com and have a lot of money there but some time ago my account was blocked i created a lot of tickets and they didn't help me to unblock it. just said that they will check it during several month they didn't do anything and by account is still blocked

Company response to consumer: Closed with explanation