vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
We banked with SoFi. All of a sudden, we received notice that our checking and savings accounts were " temporarily restricted due to unusual activity ''. We called to find out what was going on, and they told us that the account was in the process of being closed. We spoke with XXXX different representatives and a supervisor, and they couldn't tell us anything. They don't know when the account will be closed, but once it's closed, a check will be mailed to us. Our biggest issue is we don't know when we will have access to our money. We also don't know why they would have closed it. We've only had our money at Sofi for about a year, and the customer service has been terrible. We will never go back to them, but our concerned about accessing our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Lendmark Financial Services
State: OH

Complaint narrative:
Statement of Dispute and Identity Theft while in federal prison To Whom It May Concern : I am writing to formally dispute the loans and credit inquiries that were taken out in my name during a period when I was incarcerated in federal prison and actively participating in an intensive rehabilitation program. During this time, I had no ability to apply for credit, authorize financial activity, or communicate with outside institutions in any manner that would allow me to initiate these accounts. 

These loans and credit checks were made without my knowledge or consent and constitute identity theft. I have provided documentation proving my incarceration during the period in which these accounts were opened. 

Despite my attempts to resolve this matter, the above-referenced company has refused to work with me, acknowledge my circumstances, or assist in correcting the fraudulent information on my credit report. Their refusal is preventing me from clearing my credit and moving forward with my life. 

I respectfully request that the fraudulent accounts and inquiries be removed from my credit file and that proper action be taken to investigate this identity theft. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair outcome for me would be the quick removal and blocking of the unauthorized inquiries on my credit report. I am feeling very overwhelmed by this and I need it resolved immediately so I can finally move past the stress and shock it created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items .. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX sent a collection letter in the amount of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 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 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 2025-11-19 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: NY

Complaint narrative:
I disagree with the account listed below, which remains on my credit report despite your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, section 611, subsection A-D, please provide the names and businesses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your 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 non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I disagree with the account listed below, which remains on my credit report despite your investigation. I want this item immediately re-investigated. The inaccuracies are highly injurious to my XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, section 611, subsection A-D, please provide the names and businesses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
In XXXX I was placed on a XXXXmonth FHA forbearance due to loss of employment. As part of the requirement, I completed regularly scheduled monthly check-ins with PennyMac. During my most recent check-in in XX/XX/year>, I asked what options would be available once the forbearance ended, since my loan is now approximately {$32000.00} past due from the forbearance period. 

I was already speaking with the loss-mitigation department during this check-in. I explained that I am still unemployed and asked whether I could resume making payments and contribute what I could toward the past-due amount while I work to regain income. The loss-mitigation representative told me that because I do not currently have a job, there are no options available, and that my only option is to sell the home. No evaluation was performed, and no alternatives were discussed. 

Because this is an FHA-insured loan, I believe this response is incorrect. I believe FHA guidelines require servicers to evaluate borrowers exiting forbearance for multiple home-retention options, some of which do not require current income just to begin the review. I seemingly was not evaluated for any options, nor was I provided/made aware of any written information. To my knowledge since this is an FHA backed loan, it is federally insured and the deficit could be resolve by FHA and would at least allow me the option to resume the normal monthly payment. This did not happen in this case. 

Also, PennyMac had previously provided me a forbearance plan in writing. The document states my forbearance was through XX/XX/year>. Upon completing my monthly checking in for XX/XX/year>, I was informed that the forbearance plan had already ended. I was then coerced into to making agreed forbearance amount immediately. Further, I was told they would request that the plan be re-opened until the end of the month. They even made clear this would merely be a request. They even said the foreclosure process may have already began. According to page XXXX of PennyMac own documentation ( which I can provide ), the forbearance plan was not to expire until, " XX/XX/year>. '' I was made to believe that if I don't pay right away, they may not accept the payment later. For example on XXXX XXXXXX/XX/year> which is when I informed them when that payment was going to be issued. This conduct appears to be an unfair or deceptive practice ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am trying to resolve a collection account for {$1400.00} related to XXXX XXXX  I have contacted the collection agency multiple times by email and phone with no response. 

Emails were sent on XXXX XXXX XXXX XXXX XXXX XXXX  and I also attempted to call several times. My calls go straight to voicemail. 

I have repeatedly stated that I am prepared to pay the full balance immediately, but I need written confirmation of the terms of payment and credit reporting updates. The company continues reporting the debt but is refusing to communicate with me, which is preventing me from resolving the debt and correcting my credit report. 

I am not disputing the debt itself I am simply unable to resolve it because the company is not responding in any form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Previously send a claim for this National Credit Collection Company, in the response they indicated they have and inviction notices in this account. They information is incorrect, if that a true statement please share copy on this information. No accuracy.

Please evaluate and closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
Purchased XXXX {$250.00} XXXX XXXX online and tried to use at XXXX. XXXX was cancelled by XXXX after a few hours. 

Went to XXXX XXXXo check balances a few days later and both showed that the balance is XXXX from the XXXX transactions. 

Called XXXX to release the Giftcards ' funds but they did not hold on to any funds at all. 

Tried to resolve witXXXX XXXX XXXX phone number on the digital card ) but had no one to speak to and was hung up on twice by the automated phone system. 

It is unacceptable for XXXXXXXX XXXX XXXX to lock up customers ' funds when the merchant did not go through with the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint because American Express refused to honor a valid billing dispute under the Fair Credit Billing Act. 

I paid {$8900.00} to XXXX for 6 months of advertising services for my business. The agreement clearly stated I would receive weekly meetings, ad management, and ongoing support for the full XXXX term. 

XXXX only performed about XXXX weeks of minimal and incomplete service. After that they stopped responding, stopped scheduling meetings, and abandoned the contract entirely. I emailed them stating that I had not heard from them and attempted to cancel because they were not providing the services promised. 

This is a clear failure to deliver contracted services, and therefore qualifies for dispute protection under the Fair Credit Billing Act.

Despite multiple attempts, American Express refuses to reopen my dispute. Amex declines it without calling me, without reviewing the full evidence, and without allowing me to speak with the dispute department. I am unable to reach anyone who can evaluate the case properly. 

I am requesting that American Express reopen my dispute and issue a chargeback because the merchant did not provide the services I paid for, breached the contract, and abandoned performance after XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
Scott and Associates send me three summons without properly communicating with more then one way. They emailed me and and called me repeatedly without letting me know who they were calling from and what the debt was. They left voicemails that sounded like a robot and not a human, which was suspicious and sounded like a scam and thats why I never called them back. And then on XX/XX/XXXX I was served by them on behalf of XXXX XXXX XXXX and I have been sued by them XXXX other times without properly communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: LA

Complaint narrative:
I made a transaction through XXXX and it shows complete but nothing on the receiver end.... So now I'm out XXXX bucks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Date : XX/XX/year> To : Portfolio Recovery Associates XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Re : Formal Request for Debt Validation Amounts : {$330.00}, {$320.00}, {$130.00} To Whom It XXXX Concern, I am writing regarding the alleged debts your companies claim I owe. This letter is a formal request for full validation and verification of these debts under the Fair Debt Collection Practices Act ( FDCPA ). 
The amounts in question are as follows : Portfolio Recovery Associates : {$330.00} XXXX XXXX XXXX ( XXXX ) : {$320.00} XXXX XXXX XXXX ( XXXX ) : {$130.00} For each debt listed, I request the following documentation : XXXX. The name and contact information of the original creditor XXXX. The full amount of the alleged debt, with a complete itemized breakdown of principal, fees, interest, and any additional charges XXXX. Proof that I am legally obligated to pay, including a copy of the original agreement or contract bearing my signature XXXX. Documentation showing your legal authority to collect the debt, including ownership or assignment paperwork XXXX. The date of last payment or activity on each account XXXX. Any judgments associated with these accounts Until all of the above information is provided : I dispute the validity of all listed debts You must cease all collection activity, including phone calls and written communications Any credit reporting must show these accounts as disputed by consumer Please send all requested documentation to the mailing address listed above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
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 XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates is sending repeated phone calls, text messages and now emails. I have never had business with this company. All communications needs to stop immediately and this needs to be removed from my credit profile. Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation