vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I booked airfare with XXXX. I have the barclays XXXX credit card and was told part of my benefits would include 2 free checked bags. The airline kept trying to charge me. I made a call on XX/XX/XXXX and spoke with an person XXXX who told me to present my frontier barclays card at the airport when i check my bag to receive the free bag. I did just that in XXXX. The airline told me no you have to pay for it and contact the credit card. Ok i did that. I called while i was in the airport and filed a dispute on the card. They gave me reference. Number XXXX and was told the dispute charge was filed. A while later i had not heard and called again. They then gave me a website to file dispute which i did. I think this was in XXXX. I forgot all about it until XXXX and they gave me another reference number XXXX. Now they send a letter saying i waited too long. I have been passed back and forth andwasted 8-10 hours on their lies. This is very disappointing.

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 2025-10-24 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
SSA IS NOT SENDING ADEQUATE PAYMENTS AND BACK PAYMENTS TO ME AS IM A FISCAL AGENT. GOV TO XXXX XXXX XXXX. Over {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened both a Chase Total Checking and Chase Savings account at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, Colorado, about three months ago under a Chase promotion that clearly advertised up to {$900.00} in new account bonuses for meeting specific deposit and balance requirements.

I met every condition exactly as stated : I deposited the required amounts, maintained the required balances for the prescribed period, and did not withdraw or close either account. Chase credited only {$300.00} of the promised {$900.00}.

I have contacted Chase multiple times through the branch and customer service channels to request the remaining {$600.00}. My complaints have been ignored or minimized, and I have received no meaningful response or timeline for resolution. 

The offer was a key factor in my decision to open these accounts. Chases failure to honor the full bonus amount constitutes deceptive and misleading advertising, as well as breach of promotional terms.

I am requesting that Chase review my account history, confirm that all qualifying actions were met, and issue the remaining {$600.00} bonus as originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XXXX XXXX ; we received a brochure offering a benefit of XXXX XXXX miles and {$300.00} statement credit if we upgraded to a reserve American Express card. We called the number listed on the brochure, as we had questions. We spoke with a gentleman and he convinced us to upgrade primarily by telling us that the {$650.00} fee to upgrade would be reduced to {$350.00} after we received the {$300.00} credit. After waiting more than a month and not receiving the bonus miles or the statement credit we called back and were told that we had met the published requirements ( spending {$4000.00} on the card ) and they would investigate. We were told to call back in 2 weeks for the results. We have called back at least 5 times and have still not received the credit or the miles. XXXX, we were told that all previous representatives had filed the investigations improperly and that it was now filed properly and we should again hear something within 2 weeks. Today we called back and still have no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am trying to cancel a payment with Zelle that is still processing and on hold. It was XXXX bucks. The system will not allow me to cancel it. I have already paid the recipient through another app, so I am requesting a refund for this transaction. Please advise on how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
With this fair resolution, I need to be rest assured that in my credit report will accurately reflect my timely payment history as agreed upon. For matters related to the accuracy of credit reporting, including the updating of late payments due to inaccuracies, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. Therefore, if there are inaccuracies in the reporting of late payments, XXXX would typically rely on provisions within the FCRA to dispute and correct those inaccuracies with the credit reporting agencies and furnishers of theinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
Equifax FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To : Equifax XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Dispute Inaccurate Reporting of Charged-Off Account Dear [ Equifax ] Compliance Department , I am writing to formally dispute the reporting of the following account on my credit file, which I have determined to be inaccurate and inconsistent across the three nationwide consumer reporting agencies.

Creditor/Furnisher : XXXX XXXX Account Number : XXXX Date Shown as Collection / Charge-Off : XX/XX/year> Inconsistencies of payment history : XX/XX/year> XXXX  : Paid on time XXXX  : XXXX date Late Equifax : Not reporting These discrepancies violate the Fair Credit Reporting Act ( FCRA ), including : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer reporting agencies must conduct a reasonable reinvestigation of any disputed item.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified as accurate and complete, the agency is required to promptly delete it from my credit file.

Supporting Documentation : Screenshots of the account as reported by XXXX, XXXX, and Equifax Account statements showing payment history Requested Action : Because the account can not be verified as accurate or consistent across the credit bureaus, I am requesting that you delete this account from my credit file in accordance with the FCRA. 

Please provide written confirmation of the results of your investigation within the statutory 30 day period. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposited a settlement check from XXXX XXXX into my citi bank account citi bank cleared the check and said I will get my money they then said they suspect me of fraud even after I provided identification and documentation stating the check belongs to me and they still closed my account on XX/XX/year> they even sent an email stating so. Then they ghosted me i called again XX/XX/XXXX and they had told me the check is getting sent back to the issuer XXXX XXXX and it has already been sent out I called again XX/XX/XXXX to get an update citi bank said they never sent it out and the account was under investigation and officially closed XX/XX/XXXX and they were sending the money directly to me and now they want me to wait another 30-60 days from XX/XX/XXXX i dont appreciate the lying and lack of communication this issue delayed 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 2025-10-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-24 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: CA

Complaint narrative:
Transunion FCRA Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FCRA Dispute Inaccurate Reporting of Charged-Off Account Dear [ Transunion ] Compliance Department, I am writing to formally dispute the reporting of the following account on my credit file, which I have determined to be inaccurate and inconsistent across the three nationwide consumer reporting agencies.

Creditor/Furnisher : XXXX XXXX Account Number : XXXX Date Shown as Collection / Charge-Off : XX/XX/XXXX Inconsistencies of payment history : XX/XX/XXXX TransUnion : Paid on time XXXX  : 30 date Late XXXX  : Not reporting These discrepancies violate the Fair Credit Reporting Act ( FCRA ), including : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or have reasonable cause to believe is inaccurate.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Consumer reporting agencies must conduct a reasonable reinvestigation of any disputed item.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If a disputed item can not be verified as accurate and complete, the agency is required to promptly delete it from my credit file.

Supporting Documentation : Screenshots of the account as reported by TransUnion, XXXX, and XXXX Account statements showing payment history Requested Action : Because the account can not be verified as accurate or consistent across the credit bureaus, I am requesting that you delete this account from my credit file in accordance with the FCRA. Please provide written confirmation of the results of your investigation within the statutory 30-day period. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I cancelled my XXXX XXXX XXXX XXXX in XX/XX/year> and mailed back all of the required equipment using the return packaging provided by XXXX. 
XXXX had an incorrect email address and mailing address on file for me, so I never received any follow-up notices, final bill, or confirmation after cancellation. I was unaware of any issue or outstanding balance. 

I recently discovered that XXXX sold the account to a collection agency, which is now reporting a derogatory mark on my credit report for unreturned equipment. 

I have disputed this with the credit bureaus and contacted the collection agency, but neither XXXX nor the collector has provided any documentation showing that the equipment was not returned or that I was properly notified about a balance. 

This has caused a significant drop in my credit score even though I followed XXXX instructions and mailed the equipment back when I cancelled. 

I am requesting that XXXX and the collection agency remove this account from all credit reports and confirm that no balance is owed, as this debt is invalid and the reporting is inaccurate.

Company response to consumer: Closed with explanation