vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally notify Experian Equifax and Transunion that I am a victim of a data breach and I am requesting that all accounts related to this breach be blocked and deleted in accordance with the provisions of the Fair Credit Reporting Act specifically, 15 USC 1681c-2 ( a ). 

The accounts are as follows 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

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 2025-06-21 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: TX

Complaint narrative:
I am filing this complaint due to a serious issue involving misleading information and lack of accountability from American Express ( Amex ) related to a welcome bonus offer. 

On XX/XX/year>, I applied for the Amex XXXX XXXX using a targeted link offering XXXX Membership Rewards ( MR ) points as a welcome bonus upon meeting a minimum spend threshold. After submitting my application, I was taken to a final screen instructing me to call XXXX due to a credit freeze. 

I promptly called the number provided. During that call, a phone representative at Amex approved my application and confirmed the XXXX SUB ( Sign-Up Bonus ) was attached to my account. 

To be doubly sure, I followed up with a chat representative on XX/XX/XXXX, who once again confirmed that the XXXX offer was attached to my newly approved account. 

Based on these assurances, I met the required spend threshold within the given time frame. However, when I recently contacted Amex to confirm the status of my SUB, I was informed that : There is no SUB attached to my account. 
There is no record of the XX/XX/XXXX call during which I was approved and assured the SUB would be applied. 

This is incredibly frustrating and concerning. I have never held the Amex XXXX XXXX before and was eligible for the welcome offer. I relied on Amex representatives verbal and written confirmations and fulfilled the agreed-upon terms in good faith. 

I raised an internal investigation with Amex, but they denied any responsibility and refusing to honor the welcome offer even though their employee confirmed on the offer attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I went to the Navy Federal bank in XXXX XXXX with a XXXX XXXX dollar bank. I requested cash back on the check for XXXX. My daily average is well over XXXX. They said they could not give me any cash back. They have policies that state they don't do cash back on any checks that are not Navy federal. No XXXX  or XXXX was available. The branch XXXX will be away for over a week. I called the customer service number and they said they can not accept my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This loan was falsely taken out in the XXXX by a person with a similar name. I PAID this loan under duress in approximately the year XXXX, OVER 25 YEARS AGO. The account is being reported as new, and it is not. This furnished information is inaccurate ; a zero-dollar balance can not be substantiated and is false. This false information has decreased my credit score XXXX points, and I demand removal from the credit bureaus. This is a blatant violation of the Fair Debt Collection Practices Act.

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 2025-06-21 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: OH

Complaint narrative:
In my consumer reports, there is a late payment on one of my accounts, which I have always maintained timely payments.

My account number ending in 3006, XXXX XXXX XXXX  credit card. I request a thorough investigation into these discrepancies and urge you to provide evidence to such reports. If you can not provide proof, please correct the records and update my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: OH

Complaint narrative:
In my consumer reports, there is a late payment on one of my accounts, which I have always maintained timely payments.

My account number ending in 3006, XXXX XXXX XXXX  credit card. I request a thorough investigation into these discrepancies and urge you to provide evidence to such reports. If you can not provide proof, please correct the records and update my credit report. Thank you.

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 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I am. XXXX XXXX on orders and stationed in XXXX. I am required to open and utilize a XXXX bank account to secure housing and pay utilities. I opened an account with XXXX XXXX XXXX and verified this XXXX account through Chase on XXXX XXXX. On XXXX XXXX I transferred XXXX USD from my Chase account to my XXXX bank account to confirm it was functioning. On XXXX XXXX I transferred XXXX USD to my XXXX account to pay deposits, utilities and rent for housing. On XXXX XXXX, Chase removed my access to my online account. I contacted Chase, verified my account and confirmed the transfer and was instructed to resubmit it. Chase removed access to my account a second time and removed my external XXXX account from Chase without notification. Chase refuse to provide a reason for doing so despite verifying the account through funds transfers ( chases process ) and verbally confirming the transfer after verifying my Chase account. Attempts to file a complaint with Chase were disconnected. Supervisors hung up on my call after refusing to tell me what there limit was on online transfers. I have been denied the ability to move my funds out of my Chase account and the bank has jeapordized my ability to secure housing for my family while serving in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX  XXXX business credit card was opened using my personal information, including my name, business name, XXXX, XXXX and address. I did not apply for or authorize this account. I discovered it in my credit report filed an identity theft report with the FTC. I also submitted disputes to the credit bureaus. This account has a balance of over {$5000.00} and is negatively affecting my credit. I am requesting that XXXX XXXX close the account, cancel the debt, and ensure it is removed from my credit reports. This is not my responsibility.

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 2025-06-21 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX : XXXX CARD XXXX XXXX : XXXX CARD 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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-06-21 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: FL

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 XXXX 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I received two monetary gifts in the amounts of {$290.00} and {$190.00} on XX/XX/year>. I was unable to use or transfer the funds and requested by Venmo to verify my identity via email using my picture ID and a recent bank statement. I complied with current and valid documentation resulting in permanacy of my account being " froze. '' I contacted customer support several times requesting a valid reason for this decision. One response being that I tried to link a bank or debit card that was associated with another account that had went against policy standards, when In fact the account was frozen before I had any unsuccessful attempts at linking anything to try and transfer my money elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX  ( Account number : XXXX * ) is the collection agency who is reporting on my credit on behalf of XXXX XXXX XXXX. I heard they're both the same company as well. 
They have also reported inaccurately to Rental reporting agencies like XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Now I can not move into a house or an apartment anywhere.Through Equifax, I already disputed this {$40000.00} debt as not mine. I don't know this company XXXX XXXX XXXX and I have not lived wherever their rental properties are. I also asked them to prove that this is my debt since they think it's mine. I was also named in the XXXX  and Equifax breaches over the past 4 years so I don't if my identity was stolen these ways. The credit bureaus just updated the debt as accurate and provided me no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Since XX/XX/year>, I have sent multiple letters to XXXX XXXX XXXX who was listed as the contact information for disputes with Chrysler Capital on my credit reports. In turn, I have repeatedly received the identical form letter stating that they are unable to process my dispute due to insufficient information despite the fact that I have included my SSN, copy of my driver 's license, credit bureau account numbers as reported on my report, vehicle identification number and multiple other sources of identification. I do not have access to original loan documents or account information specific to Chrysler Capital due to extenuating personal circumstances. I have also repeatedly requested validation of this debt to the three major credit bureaus, who continue to verify the dispute without supplying to me the means of their investigation to validate such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 am submitting this formal complaint against all three major credit reporting agencies : Experian, Equifax, and TransUnion. 

I have recently and formally submitted written disputes to each of these credit bureaus regarding inaccurate and unauthorized information appearing on my consumer credit reports. Specifically, this concerns an account listed under the name of XXXX XXXX, which inaccurately reflects late payments. 

These late payments were reported without my knowledge, consent, or authorization, which I believe constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not agreed to or acknowledged these derogatory marks, and they are harming my credit profile unjustly. 

Despite submitting my disputes and providing the necessary documentation, it has now been over 30 to 45 days since I first contacted each bureau, and none of them have provided a resolution or corrected the error.

Under the FCRA, a credit reporting agency is required to investigate and respond to a consumer 's dispute within 30 to 45 days. If the information in question can not be verified or is not addressed within this timeframe, it must be removed or deleted from the consumers report immediately. Their failure to comply with this legal requirement further violates federal consumer protection laws.

I am requesting the CFPB to intervene and ensure that these credit bureaus remove the unauthorized and inaccurate late payment information associated with the XXXX XXXX account from my credit reports without further delay. 

Thank you for your time and attention to this matter.

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 2025-06-21 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: FL

Complaint narrative:
I am submitting this formal complaint against all three major credit reporting agencies : Experian, Equifax, and TransUnion. 

I have recently and formally submitted written disputes to each of these credit bureaus regarding inaccurate and unauthorized information appearing on my consumer credit reports. Specifically, this concerns an account listed under the name of XXXX XXXX, which inaccurately reflects late payments. 

These late payments were reported without my knowledge, consent, or authorization, which I believe constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have not agreed to or acknowledged these derogatory marks, and they are harming my credit profile unjustly. 

Despite submitting my disputes and providing the necessary documentation, it has now been over 30 to 45 days since I first contacted each bureau, and none of them have provided a resolution or corrected the error.

Under the FCRA, a credit reporting agency is required to investigate and respond to a consumer 's dispute within 30 to 45 days. If the information in question can not be verified or is not addressed within this timeframe, it must be removed or deleted from the consumers report immediately. Their failure to comply with this legal requirement further violates federal consumer protection laws.

I am requesting the CFPB to intervene and ensure that these credit bureaus remove the unauthorized and inaccurate late payment information associated with the XXXX XXXX account from my credit reports without further delay. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
U.S. Bank closed both my credit card and checking account without prior notice or explanation. They also confiscated all my credit card rewards points, which had accumulated over time. I contacted the bank multiple times, but they refused to provide any reason for closing the accounts, simply stating that the decision is " final and confidential. '' I am not aware of any wrongdoing or violation of terms. This sudden account closure has caused me financial inconvenience and I believe it is unfair and opaque. I am requesting a clear explanation for the closure and reinstatement of my reward points or compensation for their value.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am writing to formally dispute an inaccurate item that appears on my credit report under the name Jefferson Capital Systems. This item appears on my reports from [ XXXX but has already been removed by Experian as XXXX XX/XX/year> ( see attached documentation for confirmation ). 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, incomplete, or unverifiable. I am requesting that this item be investigated and, if it can not be fully verified, immediately removed from my credit file. 

To support this dispute : I have not received any mailed verification of this alleged debt from Jefferson Capital Systems, despite my right to receive XXXX under the Fair Debt Collection Practices Act ( FDCPA ). 
Upon researching Jefferson Capital Systems, I have found no valid record or account with this company connected to me. 
Experian has already deleted this item from my file following a dispute. 

Please initiate an investigation into this matter. If the information provider ( Jefferson Capital Systems ) can not verify the accuracy of this item within XXXX days, I request that the account be deleted from my credit report. 

Attached : Screenshot showing removal of item from XXXX ( dated XX/XX/year> ) Please send written confirmation of the results of your investigation to the address listed above. I appreciate your timely attention to this matter.

Company response to consumer: Closed with explanation